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You finally bought the perfect midcentury modern home with a backyard spacious enough for entertaining your family and friends. And you even scored an outstanding mortgage loan with a fantastic 30-year fixed rate. Well done!

So you can sit back and relax for three decades, right? As long as you’re budgeting each month for that mortgage payment—for the next 360 months—you’re good to go.

Or, maybe now is the exact right time to set some long-term mortgage goals.