<prompt> Human: My wife and I bought a house 125k 14 years ago. My wife stays home to care for our handicapped daughter and I work, but my wife has been a genius keeping the bills paid and keeping our credit score up, even through the times when I was out of work from being laid off. About 5 years ago our bank allowed us to refinance from 6 34 down to 3. Weve been putting extra towards the principle whenever we could, and we just made the last payment. The bank actually sent us a check for 3 cents that we overpaid. Feels good!  <response>: Dude, Hell yea!We did it last year in 10. No kids, so saving money is slightly easier.Its a great feeling. The first few months you think know what its like and then one day you realize that you are not getting the house bill. And its never coming again. Thats when its real!I have no idea who you are and I am so happy proud for you!! 