 TITLE: How to Pay Off Your Mortgage Early CONTENT: Refinance Your Mortgage\n-----------------------\nReplacing your current mortgage with a new one through a mortgage refinance could land you a shorter repayment period and ideally a lower interest rate, depending on factors like your home's market value, current loan terms and your credit score. You'll be responsible for extras like closing costs and origination fees, which could cancel out your interest savings if you move out of your house before breaking even. But if you plan to be in your home for many years, reducing your loan term from 30 years to 15 or 20 years may save a significant sum. END