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Even if you're on fixed, depending on your bank. If you still have available room on your heloc to use you should be able to take money from the revolving portion to pay down the annual lump sum of your fixed portion. Then relock that new amount you used to pay down at current lower rates + amortize it over 30y again. You can do this to save money without having to pay the penalty, you can make your 2024 lump sum before year end and do it again in 2025.
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