Brett,
There's nothing stopping you from making that extra couple of hundred dollars a month payment towards your principal amount. This will dramatically shorten the loan period and save you thousands. Besides, if you do hit a dry spell and have to miss a mortgage payment or two, the bank is happy to let things slide, so long as you're net ahead of scheduled payments. They want you to take the full loan time to pay it off, they make more money that way. I know Quicken has 'what-if' type loan analysis tools that you can use to figure out net savings for any amount extra you'd contribute.

-Zeke