Paying off a mortgage can be liberating.
Paying off a mortgage can be liberating. Photo Credit: Getty Images/iStockphoto/hidesy

Is a mortgage the monkey that never gets off your back?

According to a new survey from First National Bank of Omaha, of the more than 1,000 people across the U.S. polled, 61% of those who have taken out a mortgage have yet to pay it off and 48% have refinanced.

Home ownership is part of the American dream, but it can also keep you up at night. Here’s how to pay off your mortgage, sooner rather than not at all.

•Make extra payments

“Once you max out your retirement for the year, have no credit card debt, and 6 months cushion of savings, allocate extra money every month towards the principal. There is no perfect number, do what you can afford, but make it a priority. Use any online calculator…