...extra more aggressively in the market, and keep paying down the remaining mortgage on an aggressive basis (e.g., extra $500 - $1,000 per month) until it's completely paid off. You'll get done with the house more than a decade ahead of schedule, you'll save tens of thousands in mortgage interest, and you'll also get the upside potential of market returns in excess of your mortgage rate. Finally, whatever mortgage interest you do wind up paying over the remainder of the payoff plan will be tax deductible (assuming you itemize).