re: Mortgage Savings/Payoff Strategy

It seems like a solid plan for resolving the mortgage but it may be overly conservative for the overall scope of the problem. The mortgage appears to be a fairly small portion of your NW based on your aggressive plan to tackle it. Also, the mortgage has a max rate increase of 2% which gives you another year or 2 before the rate is a problem.

You might consider throwing a portion of that $1,400/mo into something more aggressive like an index fund. You will likely beat the current yield in the HYSA (which is obviously subject to go lower over this duration) over a 7+ year time frame. This also give you more options in the event you want a bigger home (you will). Maybe split the $1,400 to savings and an index?