12,000$ at 3.75% & pae 47$/month
time=513 montsh...42.75 yeers
yu pae 24,084.36$...twies the morgage
me suggest yu pae xtra $ evree month
If yu pae 50$ insted av 47, it take 445 months...68 months less (almost 6 yeers)
at 60$/month...315 months...26 yeers