Stop in for a cup of coffee

Yep we always pay, just a question of how much! I would much prefer to use my money all year vs let someone else hold it for a year!
We thought about that but money was so cheap when we financed.
We'll take that money we would of used to buy the house over the next few years, invest it with a much better return than the 3% we paid for our loan.
When we reach a point where the interest paid isn't generating a return then we'll pay the house off.