To pay off a mortgage faster, consider accelerated payment schedules like accelerated biweekly to make extra payments without feeling the impact. Make lump sum payments with bonuses or tax refunds to reduce principal and interest. Shorten the amortization period to 15 or 20 years if affordable. Increase regular payments annually by 10-20%. Avoid costly penalties by choosing mortgages with lower break fees. Shop for lower interest rates to save money. Use Home Equity Lines of Credit cautiously to avoid delaying mortgage freedom.