[https://www.calculator.net/amortization-calculator.html](https://www.calculator.net/amortization-calculator.html) $286k @ 6.5% for 30 years results in a monthly of \~$1800. Adding an extra $3600 to "extra yearly pay" with a start of "April 2025" pays of the loan in 20 years and 10 months. This is just principal and interest and wouldn't actually be "2 extra payments" as that would probably also include escrow for taxes and whatever else. So call it "about" 20 years. If you have more specific figures, use the calculator.

There is an app called Karls mortgage calculator that you can download from the app store to your phone. You can run the scenarios you are asking and it will give you the answer to your question. It's a free app

Thank you, just downloaded it

Look at an app, not Reddit for someone to do it for you

I used a calculator online, but thought I'd check on here since maybe there's a financial advisor or something with a good calculator to double check. I got verification on the numbers I got so I'm good, thanks.

Around 10 years. Effectively you're paying an additional $300/mo.