Instead of taking money out of your investments that are earning a good rate ot return, show your financial planner the chart below and ask them if they can invest your money for a better rate of return than the monthly cost of our mortgage insurance. If you want to be "mortgage free" use the profits from your investments to make "principal reduction payments" each month after you make your monthly mortgage payment. The 10% you didn't use as a "down payment" can get you closer to being "mortgage-debt-free" in record speed. Ask us about "re-casting your loan for $150" instead of paying thousands to "refinance" your loan.