[quote=paranoid]ER, you pay a fee but it is waived (deducted) when you pay the total payoff amount to pusd, so effectively it is free.
I’m still amazed by the huge rate they charge: total payoff is $57.5k , but current yearly MR is $5.7k until 2042(?). I believe most people don’t know that they are charged at such a rate.[/quote]

I back calculated from your numbers. So we are looking at 9.3%.

Assuming you take out a HELOC at 4.5%, to keep the monthly payment the same, it would take 13 years to payoff. Essentially at $480/month. If you just pay $100 more per month, you can pay it off in 10 years.

Assuming you do end up selling in 10 years, you essentially break even and I think it would make a difference with potential buyers.