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Posters here are correct. Although I am no tax expert. The Federal Tax refund is not taxable in the subsequent year. Your State Income Tax refund is.
But, dont say that you aren't too bright. Paying off the house early can be a great thing. Having zero debt absolutely is. If your goal is to pay off the house with the $6K when you get your Tax refund....You get even more of a bang for your buck by paying the extra on the principle on a monthly basis.
Google mortgage amortization. You'll see what I mean. I have no intention really to give you financial advice, but I guess you would be able to find an investment, or some way of using that $500 a month without letting the government use it for you. Good luck.
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