To really cut years off your mortgage, make an extra payment a year but do it this way. Say your mortgage payment is 1200/month. Divide that by 12 ($100) and add that above and beyond that monthly payment. It will cut thousands in the life of your mortgage!
You can also save interest and years by making your payments every two weeks rather than once a month. You pay only half the amount of course. This squeezes in an extra payment every year, and also saves a lot of interest every month. My son and daughter in law did this.
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