Okay, now explain it like I'm five...

You're saying it isn't worth investing more into the house while the rates are low because the extra room in my budget is simply better utilized elsewhere? And I should only be trying to pay more of my mortgage when higher rates force me to?

Thanks for your insight. Sorry for my ignorance, I'm very new to this.

2.64% rising .25% every year until it hits market.

2.64%, rising .25% every year until it hits market value.

Right now it's very low, but will go up incrementally over the next five years until it hits market value.

My interest rate is quite low for now. What's the reasoning behind not paying off the mortgage?