Make extra principal payments each month
Switch to biweekly mortgage payments
Round up each payment to the nearest hundred
Apply tax refunds, bonuses, and windfalls to principal
Refinance to a shorter loan term if it lowers your total interest
Make one extra mortgage payment per year
Cut discretionary spending and redirect the savings to principal
Use a mortgage payoff calculator to set a target
Avoid paying fees that reduce the benefit of extra payments
Confirm extra payments are applied to principal only
Build an emergency fund before making aggressive extra payments
Reassess your budget regularly and increase payments when possible