What is the definition of Mortgage Formula With Extra Payment?

Alright, let's crack this joke open: A 'ortgage formula with extra payment' is like a financial magic trick that allows homeowners to throw a party in their own home while paying their mortgage with a side order of joy. It's essentially a special version of the standard mortgage calculation that includes an additional cash infusion from extra payments, making it sound like the house is throwing a surprise birthday bash for you.

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Now, here's an edgy example sentence: "As I sat on my couch, watching the sunset with my mortgage whisperer, I realized my 'ortgage formula with extra payment' was turning into a cosmic dance-off between my house and a group of debt collectors demanding, 'Can you pay this?'"