This week I’m answering three questions with a common thread. They’re from readers interested in ditching their mortgage ASAP.

Question No. 1:

Could you go over some different ways to pay off your mortgage early? I am retired and have a fixed income, and would like to retire the debt on this house. I make an extra payment a year, and tried to do a 15-year fixed, but the costs to get the APR down to a reasonable rate drove the mortgage back up to my original loan amount. I felt that I was starting all over again. Thanks. — Richard

Question No. 2:

I have a mortgage loan at 2.75 percent with a variable interest rate (that adjusts) every year, with 11 years remaining. I am making an extra payment of $100 every month. Can you help me lower my interest or years left? Thanks. –Fernando

http://finance.yahoo.com/news/ask-stacy-best-way-pay-160035947.html