ill tell you whats messed up – mortgage companies not allowing people to make more than one payment a month on their mortgages (thereby saving on interest costs) because ofcourse then they won’t make as much money. and we as consumers, can’t choose who purchases our mortgage loans. so you are STUCK – in perpetual, LONG TERM DEBT. who is pulling these strings at the helm i wonder. which of the 13 families…. you think you have freedom in first world countries.. HAHAHAHAHAH man, you are in some DEEP OBLIVION.