Homeowners often take longer than 30 years to pay off their mortgages, with many never fully paying them off. To pay down a mortgage faster, consider strategies like bi-weekly payments, paying slightly more each month, or making lump sum payments when possible. Refinancing to a shorter term can also help save on interest. Additionally, paying off other debts can free up funds for extra mortgage payments. Restructuring payment habits and planning can lead to significant savings and a more comfortable retirement.