Practically every homeowner fantasizes about the day their house is finally paid off, and they can kiss those mortgage payments goodbye. However, a whopping 56.2% of Americans have an outstanding mortgage [with a rate of 4% or lower](https://www.realtor.com/news/trends/majority-americans-still-feel-locked-in-by-mortgage-rates/). When your mortgage rate is so low, does it make more sense to [pay off your house
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