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Don’t wait 30 years to pay off your mortgage. This mortgage payoff strategy still works in 2026. The math behind a 30-year fixed mortgage hasn’t changed just because mortgage interest rates are higher. Extra mortgage payments applied directly to principal still do one thing extremely well: they reduce interest and shorten your loan term. On a typical 30-year mortgage: • Making one extra mortgage payment per year can shorten the loan by about 7 years • Two extra principal payments can cut roughly
0:06
Don’t wait 30 years to pay off your mortgage. This mortgage payoff strategy still works in 2026. The math behind a 30-year fixed mortgage hasn’t changed just because mortgage interest rates are higher. Extra mortgage payments applied directly to principal still do one thing extremely well: they reduce interest and shorten your loan term. On a typical 30-year mortgage: • Making one extra mortgage payment per year can shorten the loan by about 7 years • Two extra principal payments can cut roughly
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