Make one extra mortgage payment each year
Switch to biweekly payments
Round up each monthly payment
Apply windfalls to principal
Refinance to a shorter loan term
Recast the mortgage if allowed
Cut discretionary spending and redirect savings to principal
Use tax refunds, bonuses, and commissions for extra principal payments
Set up automatic extra principal payments
Avoid taking on new debt
Keep an emergency fund so extra payments stay consistent
Check for prepayment penalties before making extra payments
Confirm extra payments are applied to principal
Increase payment frequency if your lender allows it
Reevaluate and refinance only if it shortens the payoff timeline