Make extra principal payments each month
Pay biweekly instead of monthly
Round up each mortgage payment
Use bonuses, tax refunds, or windfalls toward principal
Refinance to a shorter loan term
Apply lump-sum payments directly to principal
Cut unnecessary expenses and redirect savings to the mortgage
Increase income with side jobs or overtime and use the extra money for payments
Avoid taking on new debt
Confirm with your lender that extra payments go to principal
Check for prepayment penalties before making extra payments
Set an automatic extra payment schedule
Recast the mortgage if your lender allows it
Use a debt payoff plan and prioritize the mortgage
Track progress regularly and adjust payments as needed