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A record 40% of U.S. homeowners now fully own their homes with no remaining mortgage, according to new housing data from 2025. The number has steadily increased over the past decade, with more Americans either downsizing, paying off debt early, or inheriting homes from older generations. This shift highlights growing economic inequality, as wealthier homeowners enjoy housing security while first-time buyers face soaring prices and record-high interest rates. Experts say the mortgage-free group l
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