Lowest rate, lowest payment, cash flow, paying the least interest, or being mortgage-free faster all mean different things.
My job is to slow the conversation down until the client can clearly articulate what actually matters and why.
If cash flow is the priority, the solution changes.
If flexibility is the priority, the structure changes.
If speed to mortgage-free is the goal, everything changes.
Once you understand the why, the strategy becomes obvious.
That nuance is where real advice lives.
