Pay off your Mortgage FAST!

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Set your mortgage up for bi-weekly payments. This will shave almost 5 years off a 25 year amortized mortgage because you end up making 1 extra payment a year compared to monthly. Let's say you mortgage payment is $1000 a month. If you are paying monthly, you would make 12 payments of $1000 for a total of $12,000 a year. If this is set up bi-weekly, you would make 26 payments of $500 for a total of $13,000 a year.

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Make a lump sum payment. Most mortgages will allow you to make yearly lump sum payments to some degree. My mortgage will allow me to pay up to 15% of the principal amount yearly. If you receive a tax payment or some other form of payment that may not be expected (I.e. Inheritance, lotto winning, etc) be sure to place some or all of it towards your mortgage. This is even more effective if you have a newer mortgage because mortgages are front loaded with interest. What I mean by front loaded is that most of your payment in the early part of a mortgage is interest while in the last few years most of the payment is going to principal. Banks aren't stupid and they are also money hungry PIGS if you ask me so they ensure they get their interest early in case something was to happen down the road! As I was saying, these lump sum payments will go directly against the principal amount which can save you a tonne in interest of the years to come because every payment you make after the lump sum, more of these payments will go towards the principal. Let's go through a scenario. Assume a mortgage amount of $200,000 amortized over 25 years at 6% making monthly payments. Let's say 8 months into the mortgage you got a tax check back for $2000 and applied that to the mortgage. This would save you $6544.68 in interest payments and pay off the mortgage 6 months earlier! Imagine if you could apply a lump sum each year; you could pay off your mortgage in half the time!

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Round up your payments! That's right, you can save a good chunk of money by rounding up a few dollars. I had a mortgage payment of $710.88 which I rounded to $725. The extra $14.12 per payment is now going directly to the principal. This will save me a few thousand bucks if I start this early on!

Keep your payments the same if mortgage rates fall. If you are accustomed to paying $700 bi-weekly and you new mortgage rate lowers your payments to $675, keep paying the $700. Once again, the extra $25 each payment will go directly to the principal saving you a bunch in interest.

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Increase your payment if your income increases. If you receive a raise each year, I would suggest increasing your mortgage payment by that amount, unless you require the money elsewhere. This will have the same affect as the above scenarios. This year I received a raise that was equivalent to just over $2000. I divided this by 26 (this is the # of payments I make per year as I pay bi-weekly) and increased each payment by $79.18. This will shave a chunk off my payments over the course of my mortgage long run.

Refinance into a shorter mortgage. If you find a 15 or 20 year conventional fixed rate mortgage that offers lower interest than your 25 or 30 year loan, you will most likely save money by refinancing into the shorter mortgage. You should also keep an eye on the rates being offered by your current bank. If the rates go down they should have no problem re-financing at the new rate. Just make sure you do your homework and have a look to see what your new payments will be and how long to complete the mortgage. Then compare this to your current to ensure it's in your favour.

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Increase your payment to the most you can afford. If you can afford to pay an extra $5 or $50 per payment, do so! I can't put it any other way.

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