Congrats! My wife and I just became mortgage free last month, no better feeling. We have been in the housing market for over a year but it's absolutely impossible to buy a decent home in the Lancaster area these days. That's with offering well over already-inflated list prices, waiving inspections, appraisal waivers, 25% down, offering to pay transfer taxes, etc.....the works. Still not a chance, so we just said screw it let's pay off the mortgage on our townhome instead. It's a great feeling but also the housing situation is beyond frustrating. Also, low of 57 here last night.