Make extra principal payments each month
Pay biweekly instead of monthly
Round up your mortgage payment
Apply all windfalls to principal
Refinance to a shorter loan term
Recast your mortgage if allowed
Cut unnecessary expenses and redirect savings
Use bonuses, tax refunds, and raises for extra payments
Avoid taking out new debt
Make one extra full payment each year
Switch to a more aggressive budget
Increase your income and apply the difference to your mortgage
Set up automatic extra payments
Verify extra payments go toward principal
Eliminate high-interest debt first if it improves cash flow
Consider renting out space for extra income