re: Will be totally debt free in about three weeks. Where to put extra $?

If you have a family and think you might relocate in a few years, don't buy lots now. Rates will eventually increase, but try to put that out of your mind (which is about impossible to do).

Here is the reason why: As hard as it is to rationalize, you are buying a home and not a house. You will need to find the right area.

Now if you are single or without kids, you can approach it slightly differently.