Make extra principal payments each month
Switch to biweekly mortgage payments
Round up each payment to the nearest hundred
Apply all windfalls to the principal
Refinance to a shorter loan term
Recast the mortgage if allowed
Cut unnecessary expenses and redirect savings
Use a budget to free up extra cash
Avoid taking on new high-interest debt
Increase income with side work or overtime
Put tax refunds toward the mortgage
Make one extra full payment each year
Verify extra payments go to principal only
Set an automatic extra payment schedule
Track your payoff progress regularly