Make extra principal-only payments each month
Round up your mortgage payment
Switch to biweekly payments
Apply windfalls to principal
Refinance to a shorter loan term
Recast your mortgage if allowed
Cut expenses and redirect the savings to principal
Use a budget to free up extra money for payments
Avoid taking on new debt
Make one extra mortgage payment per year
Increase your payment whenever your income rises
Use tax refunds and bonuses toward the mortgage
Check for prepayment penalties before making extra payments
Keep an emergency fund so extra payments stay consistent