till we paid the house off unless it would cost more money long term. However we only owed 3 years on the house at the start of the loan. Everyone thought we were dirt poor and WAYYyyyy to frugal in the meantime which sucked. I am glad we did it though. I think it is a personal question. The house is paid off and a year later we are still fixing stuff. Only now we can afford to replace or repair with better stuff that will last longer. I am hoping it will cut down on repairs long term.