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You want $100 per month for 30 years?
Look at the interest rates today, September 2010.  With interest rates as low as 4.375% on a 30 year mortgage, your monthly payment on a $100,000 loan would be about $500 per month.  Just a few weeks ago interest rates were at 6%.  The monthly payment at 6% would have been $600 per month. 
What are you going to do, wait until spring and pay the extra $100 per month?  It's your money.
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