A person I met through the Greater Brunswick Area Chamber of Commerce (GBACC) has started to sell financial services through a third-party provider. She said that people could pay off their mortgage sooner and save money using her services. I did some investigating and found many of these companies to be a pyramid scheme with high upfront costs and little added value to mortgage holders.
See this article below from Kiplingers:
http://www.kiplinger.com/magazine/archives/2008/05/prepay_mortgage.html
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