I think the most important thing to…
I think the most important thing to remember is that the Accelerated advisers make sure that the program they offer is something that "fits your profile." They have an interest in making sure that this is the case. If they don't, it will lead to unhappy clients! Allow them to see if it can work for you! I had 29 years left on my mortgage (technically 15, because I was paying extra every month). I paid if off after 1.5 years using a combination of savings and income over about 1.5 years. Even if I had not used any of the savings, the payoff would have happened at the end of 3 years.