Here is a relatively painless way to save big on your mortgage.  Give yourself a longer year.  You can easily and painlessly make 13 payments a year instead of 12.  Simply take your monthly payment and divide by 12.  Add that amount to your monthly payment and you have a do-it-yourself mortgage accelerator.  Over the long span of a mortgage, your extra annual payment will save thousands in interest and shorten the time to payoff.  Here is an example:  You have a monthly payment of $914.  Divide the monthly payment of $914 by 12 which equals $76.  If you add the $76 to your monthly payment, you will shorten your mortgage repayment by five years and six months.  You will save $38,732 in interest.  Search the Internet for "mortgage payoff calculator" and experiment.