[justlurking]

Be sure to consider a 15-year loan, if you aren't doing so already. Since you only have 12 years left, the length is almost the same.

[nufsed]

If you take 100,000 in equity and invest it in a safe liquid program you can pay the 100,000 off in 12 years instead of 15 and still have a 100,000 left in the fund, plus a death benefit.