Is Your House/Debt Paid For? I have found a system that can reduce your mortgage and/or debt in as little as 1/2 to1/3 the time. Just a few things to remember: Your dont have to refinance, your montly payments stay the same adn there is little to no change in your monthly budget. My Debt is scheduled to be paid off in as little as 13.35 years and I will save over 200,000 dollars in interest.