LOL.....good....glad you're paying me back.
My questions were quite relevant.....you expounding on how individuals donate their dollars, when in fact they had no choice in whether to loan you their money.....just call it checking on an investment.

I've made overpayments for a long time on my mortgage and it is down to the point where I can pay it off at any time I choose. I'll decide when to stop making monthly payments and simply do away with the mortgage, but it likely won't be happening until I decide to walk away from working. Credit score? I have no idea.....do I need a loan?