The major factor in paying your mortgage off early is prioritization of limited resources- your income. You already have a mortgage payment and hopefully, you are contributing to a 401-K plan and if you can afford it a IRA plan. If you have children you may be contributing to a 529-Plan. With above expenditures and more, only a few can afford to pay a mortgage off early. But maybe, you can start paying your mortgage down early in the near future, as your income continues to grow. The decision to pay your mortgage off early has pros and cons and is a personal decision. Prioritizing where you spend your money is your choice. Use your knowledge to consider all options along with pros and cons.