<prompt> Human: Hi Thank for reading my post. I live in Chicago with my family, my dad ask me to help him with a house bill. and i found out that he is into a 40 year mortgage. Now this is the problem? the house is worth about 150,000 and by the end of the loan maturity, HEWE will have paid more Thant 450,000 dollars. The house is old and need a lot of improvements. What should we do?  <response>: The best thing to do is to pay more than the normal payment in order to save money in interest. 