This is the second thread on essentially pulling a fast on one the bank in the form of “interest management”. I’m no expert but I’d bet my last dollar banks have thought of and insultated themselves from any opportunity of losing interest that can be schemed up.
Save for revoloving half a million dollar debt between first year zero interest rate credit cards for 30 years, I can’t imagine any legal or non-pain-in-the-ass way around it.
Just take out a 15 year loan. Lower rates, and truly pay it off in half the time, with a ~35% higher monthly payment.
