brian joo  
2018-03-31 pm 1:36:00
Dear Mrs. Lee

How are you?

It depends on how long you are going to keep the property.

When did you get 5 year ARM?

If you believe you are good at investing and you are sure you can make a profit of 3.25%, then you can invest your money to other place.
Otherwise, just make an extra payment to reduce your balance.

I think you can ask your financial ad visor about this.

Thank you asking.
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