Although the thought of a debt free home is entertaining, financially it's not a smart move. Mortgage interest is a tax off set against income, real estate increases in value over time (granted there was a pull back in 2008-09 but most of that has recovered). I could go into a very long discussion as to how to leverage todays money to build wealth over time, but that's not something I'm trying to sell here - I'd suggest you study up on long term real estate investing and how it establishes not only set payments (P&I) which get cheaper over time, but major tax advantages and steady increased resale value over time (there are exceptions).
Just to give you a very quick example, 3600 SF 3 level single family home purchased in major metro area (suburbs) in 1989, purchase price $143k, PI = $1009, PITI = $1595, tax write off every year $10k + interest plus $4300 real estate taxes, meaning of the $19k total payments per year, over $14k is a tax deduction which lowers federal/state income tax each year. I understand that the real estate tax one pays is a tax deduction, mortgage or no mortgage.
Current value $450,000 +/- current rent for a 2BR 2BTH apt (no utilities included or garage) in the same area, $2000 to $2500 a month, with NO tax atvantage.
I will say that I purchased a brand new Condo in Myrtle Beach in early 2003, 2BR 2 BTH with a 1 car garage - purchase price $80k, mortgage 50k. I paid off the mortgage in just under 3 years and sold it just under 4 years for $130k. This was a vacation home, not a rental or shared place, and in that case I didn't want a mortgage, if it had been a rental property, 100% sure I'd have carried a mortgage for as long as possible.
Like I said, it could be a very long discussion.....
