Make extra principal payments every month
Switch to biweekly mortgage payments
Round up each mortgage payment
Apply tax refunds, bonuses, and windfalls to principal
Refinance to a shorter loan term
Cut expenses and redirect the savings to your mortgage
Use a mortgage payoff calculator to track progress
Avoid taking cash-out refinances or payment pauses
Confirm extra payments are applied to principal only
Build an emergency fund so you can keep making extra payments consistently