To be fair, AmEx has been very straightforward (and I've been lucky, so have AT&T Universal Card/Citibank). I just want to get it out of the way and I'll be so close after I get the checks from the mortgage company.

It's a very good feeling, being this close. And knowing that the mortgage will be paid off quicker helps too. :)

Next step will be to wake up the Citbank Visa with no balance for emergencies. I let it go dormant while I was paying off the AT&T card, but I had to close the latter since it's being paid off by the mortgage.