Make extra principal payments each month
Switch to biweekly mortgage payments
Round up each monthly payment
Apply tax refunds, bonuses, and windfalls to principal
Refinance to a shorter loan term if it lowers total interest
Make one extra full mortgage payment each year
Cut unnecessary expenses and redirect the savings to the mortgage
Recast the mortgage if your lender allows it
Avoid adding new debt that reduces cash available for extra payments
Confirm extra payments are applied to principal only
Check for prepayment penalties before paying extra
Build a budget focused on aggressive mortgage payoff
Use any raise or side income toward the mortgage
Keep an emergency fund so extra payments stay consistent