How We Paid Off Our House In 3 Years 🏠

By God's grace we paid our house off in just under 3 years. These were the 5 things that we did that helped make it happen.

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DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

[nicolehill]

Paid off the mortgage last year! I was 33 and hubs was 38. We also started giving more, which seems counterintuitive, but it's really not. Follow the lord, and He will provide.

[TheHumblePenny]

Hi Bob and Linda,
We really enjoyed this video and can totally relate to every single point you made. We paid ours off in 7 years. The feeling of not having the debt is HUGE! What I loved the most about what you shared was the important aspect of God's grace. The opportunity to start a business is also something that most people with normal day jobs can absolutely relate to. Even the opportunity to move from working 5 days a week to maybe 2 or 3 days and using that extra time to build something one is passionate about. Stay blessed, guys! :)

[TheEllaTB]

We are definitely paying off our house early! Our goal is 5 years. We just bought it and have made 2 payments and have already cut 2 yrs from our mortgage! Such a good feeling already!
We are not paying "as much as possible" because we want room in our budget for improvements. But we have set our own number of what our monthly payment should be, much higher than what the bank expects.
Our goal is to live here for just a few years until our 4 children are a bit older and then get something with a lot more land. Paying it off and adding value to it through updates should give us enough equity so that we can get something nicer for our next one, with minimal debt, if any.
And yes! We definitely started with giving too! We were already tithing, but we decided to look for any opportunity to give and help others and throw ourselves into it whole heartedly and it's AMAZING how our lives have been enriched! It's amazing how much we are already reaping and we just got started! God is so faithful!

[paulagayle]

Congratulations! I saw your video on Pinterest. Very encouraging! Thank you for sharing. To God be the glory

[dazlette]

Love this! You r a power couple. I went thru Dave Ramseys FPU twice after my 46 year old husband had 2 major strokes and became totally disabled. 5 kids at home 32k in credit card debt. You are so right- I see it almost 10 years later the wind was on my back after I started doing God's instructions. Debt free and paid off house within 3 years. Who knew that after we paid house off had to move quickly out of state leaving paid off house in a dead housing market. We've been renting out the house to christians from our church for over 5 years while we have relocated. Only God.

[garlandofbooks]

Paying off our house in full is our #1 financial goal currently! We got a 30 year mortgage, put 20% down at the start, and every year with raises and bonuses we try to put more and more towards it. Our goal is to have it paid off by year 10, and we’re nearly 8 years in now, but only have nearly 50% of the house paid off. We are still hoping and working to meet our goal! It’s ok if we don’t quite meet it, we’ll still do the best we can do, we’ve already cut the mortgage down to 23 years from 30, so that’s good. We’ve had a lot of discouraging and unexpected setbacks this last year. But, God has taken care of us in this difficult time, so there is really not much to complain of.

[craftswithlizzy]

Hi, we are on track to pay off our mortgage this August!! At the end of last year, we felt led by God to take the $1, 500 extra we were going to pay on our mort in January, and give it toward our church. We obeyed cheerfully knowing that it's God's wisdom and favor that have gotten us to this place. The following week someone gave us a $1, 000 check just because. This was nothing we expected. It turned out, we were still able to somehow put a different $1, 500 on our mort. In January. God is so amazing!
We previously paid off a house back in 2014. It is the most amazing feeling. We got a slightly bigger house a couple years back. We are so close and I'm so excited! I thank God for His wisdom and favor over our lives.
After we pay off our mortgage, our goal is to help pay off the mortgage on our church!

[shanaralewis]

Amen! This is truly wonderful. To God be the glory!!. I also pray that God will do the same for my husband and myself to accomplish this goal.

[mariaximenadiaz]

I am so encouraged with this video. We just bought a house. We are putting 20% of down payment and my goal is to pay it off in 5 years. We live in Hollywood Florida and we bought the house brand new construction in Mascotte Florida. Me husband works remotely since the pandemic but he will back to an office every other week. He will continue with his job and his company will assign him an office space in the area that we are moving, but I will finish my job in June and I will need to find a job that I can do remotely since I will be the caregiver of my mom. I am very excited of what God will do in our lives so will can bring Glory to his name. You guys are amazing, God bless you always and multiply all the goodness that you share with us.

[davefriedrichs]

You guys are awesome. Great video too. Ever since I started tithing and giving beyond that, my wife and I have been super blessed. We have one paid off house and another that is within 4 years of getting paid off. To God be the glory.

[bedandfan]

Thank you for sharing. My goal is to pay off my mortgage and be debt free.. To God be the Glory!

[trueinspire]

So true. The seed does grow and multiply. God bless you and thank you for giving God the recognition in your success. Thanks for sharing your experience

[JV-qbpr]

I'm 5 minutes into this. You have not told me how.

[ladypilliwick]

im completely out of debt and its a blessing....
the big thing is eat at home..
two eggs over easy and two sausages. add green beans, grits with cheese and oatmeal
a person can literally live on less then 20 dollars a month doing this

[williamwatersiiimba]

Hello Linda and Bob,
You all are such an amazing couple and inspiration! Linda mentioned the Kingdom principles. Speaking of tithing and sowing and reaping. Our pastor Meeks talked about this in detail this past Sunday. Saying that as you said Bob, it seemingly makes no sense, however God's ways are not our ways! As the Bible says seek ye first God and other things will be taken care of. As Pastor Meeks said, we have to have things in order or they are out of order. Meaning that God wants to be first in our thoughts when we get up in the morning and first in our giving. Linda that was special when you looked at Bob and said Hi, and he responded in kind. I felt that touch my heart! It really showed how much you love and respect each other. Sometimes the smallest things like that can convey the most. Saying I care, I love and respect you, I notice you even though we are doing this video, you are the most important thing to me after God our creator!
Bill and Cookie

[christinelyons]

Thank you for sharing this. I want my mortgage paid off and our HELOC paid off too. Please pray for me and my husband to agree on tithing and paying off our debt so we can get this done!

[GBUTR]

We want to pay off our house early! I'm teaching the Total Money Makeover as a Sunday School class and I'm benefiting as a student too! We only have our mortgages left and are starting our emergency fund next week. Thanks for sharing your mortgage story!

[quinachiquita]

Love that you are doing these videos as a couple!💜💜💜💜

[nickybooysen]

Thank you, this is very inspiring and it definitely got me thinking about how I can get my mortgage paid off quicker. Please keep me in your prayers.

[juliaderi]

Congratulations! What a major accomplishment, God bless you guys! Please keep me in your prayers, as I too am working on paying off the mortgage early (I have about 4 years left)... but the more I try to pay off the mortgage, the further my husband goes into credit card debt with unnecessary spending and refuses to get on the same page with me on cutting said unnecessary expenses. Prayers would be appreciated! 🙏