And right on cue, here's one to celebrate... After ~4 years on this thread, as of last week, it's DONE! ;-)
The mortgage is paid in full, we unlocked a nice bit of equity already put it to work in our stash and our "right size" move to our smaller digs is done. This accelerates free cash flow for us every month by reduced expenses every month to focus on FIRE. The incidental savings of downsizing (reduced property taxes, no HOA dues, less utilities, etc.) were greater than our previous mortgage payment in our case for example.
And for even better timing, just received an "Important Notice" from our former lender that the variable rate on our previous ARM was going to reset soon to just over double the initial term's interest rate. HA! So sweet to tear that letter up and just laugh out loud about it. For folks who may be worried or distracted, focus on freedom from debt and you'll get there!