Make extra payments toward the principal
Switch to biweekly mortgage payments
Round up your monthly payment
Apply windfalls, bonuses, and tax refunds to the mortgage
Refinance to a shorter loan term if it lowers your rate
Recast the mortgage if your lender allows it
Cut other expenses and redirect the savings to principal
Avoid taking payment holidays or skipping payments
Make one extra full payment each year
Check for prepayment penalties before making extra payments