With the limited information, i can say that either option will pay down the loan.  Depending on which program will apply the most money is the quickest way.  I wish i could answer your question in more detail and you may want to talk to a pro in your area about your needs.

Voyage Home Loans

Mike Kim

The amount applied to principal is what counts- they more money applied, regardless of what we call it, the quicker to payoff.