About 34% of U.S. homeowners have paid off their mortgages, driven by a desire for stability in a changing economy. Here are three ways to pay off your mortgage early: 1. Switch to bi-weekly payments to make an extra full payment each year. 2. Consider creative refinancing options, such as refinancing to a lower rate while maintaining higher payments or opting for a shorter loan term. 3. Pay a little extra each month, even rounding up payments, to reduce the total interest paid and shorten the loan term. Always check for prepayment penalties before making extra payments.