Mortgage balance down to $1000

Its been 6 long years and finally the 200K loan is down to 1k and its a fantastic feeling.

I cannot pay the $1k yet..still have to wait for the mortgage company to pay my property taxes from the escrow sometime in November but hopefully in another 2-3 weeks I would have paid off the mortgage.

I calculated that if I had stayed in the 30 year loan and just paid monthly payments, I would have paid a
'Total Interest' of $52,000 and my still have a 'Pending Mortgage Balance:' of $181,000. Ouch!!!

Its definitely worth it to pay down your mortgage as quickly as possible without jeopardizing your current situation.

IRS e-file Refund Cycle Chart

Am planning on using the proceeds from this year's refund either to pay down the credit card debt or pay my mortgage down.

Am leaning towards paying my mortgage down since it has a higher interest rate than the credit card debt(which is at 0%)

Here is the current IRS Refund Cycle Chart:

Based on this chart, I should expect a refund to get pretty soon.