Make a large down payment
Choose a 15-year mortgage or shorter if possible
Refinance into a shorter loan term
Make biweekly mortgage payments
Add extra principal to every payment
Make one extra full mortgage payment each year
Apply tax refunds to principal
Apply bonuses, commissions, and windfalls to principal
Cut monthly expenses and redirect the savings to the mortgage
Increase your income with a side job or overtime
Use all extra cash to pay down the principal
Avoid taking on new debt
Keep an emergency fund separate from mortgage payments
Ask your lender to apply extra payments to principal only
Track your payoff progress monthly
Review your budget regularly and increase payments whenever possible