How to (no kidding) pay off your mortgage early (for free)!

Real Estate Agent

Pay off your home six years early with this simple strategy.

There's a lot to consider when switching your mortgage payment. But the facts are pretty simple.

  • If you pay half of your regular mortgage payments every other week, you'll have made 26 half-payments. That's the equivalent of 13 full monthly payments.

  • Bi-weekly payments take advantage of an extra annual payment. Just one extra full payment can chop about six years off a 30-year mortgage!
  • You can also add "a little something" each month or year, and pay your mortgage even sooner! Just note to your lender, it's an aditional payment against your principal. Amounts such as little as $25 or $50 go a long ways.


My wife and I did this, and we will now have our home paid off early! Some lenders charge for this service, though ours did not. I would pay for something that should be free. You can do do-it-your self bi-weekly payments. Please let me know what your bank or lender's response is.

Happy financial freedom!


If you, or someone you know is buying or selling a home, I'd be honored to represent you or your referral.


Call me at 425-610-7202 to set up a free no obligation consultation.

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Provided courtesy of the Washington Home Buyers Center

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Comments (3)

Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

     Owning your home free and clear of mortgages is the cornerstone of any good financial plan.   Good advice to pay off the mortgage as quickly as you can.


Mar 26, 2016 04:54 AM
Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

JOE RYSTROM & TEAM That is phenomenal news and certainly a strong reason to jump on the soapbox and declare yourself mortgage-free. Congratulations for adopting a financial plan early and sticking to it.

Mar 26, 2016 12:13 PM
Real Estate Professionals

Fred, Sandy and Norm, thank you for the comments! Have a great rest of the year!

Mar 28, 2016 02:43 AM