Make extra principal payments every month
Pay half your monthly mortgage payment every two weeks
Round up each payment to the nearest hundred
Apply all windfalls to principal
Refinance to a shorter loan term
Switch to a biweekly payment schedule
Cut unnecessary expenses and redirect the savings
Use bonuses, tax refunds, and cash gifts toward the loan
Avoid taking payment holidays or skips
Make one extra full payment each year
Reduce other debts to free up more cash for the mortgage
Increase your income and put the extra toward principal
Check that extra payments are applied to principal only
Avoid extending the loan term when refinancing
Track your payoff progress regularly