Pre-payments * 12%: Percentage of mortgagors who made a lump-sum pre-payment in the past year. o So many people want 20% pre-payment privileges and so few people use them. Many would be better off trading pre-payments for a lower rate. * 16%: Percentage of mortgagors who increased their regular payments in the past year. * 7%: Percentage of mortgagors who did both.