(1)  Make one extra payment each year.  Shaves off about 4 years of a loan.  (2)  Add a little extra to each monthly payment.  Probably better to simply make an extra payment when you can (less confusion).  (3)  Refinance to a shorter-term loan.  Often to do this, much have 20% cash into the loan already.  Be SURE YOUR LENDER DOES THIS CORRECTLY.  (4)  Create your own amortization schedule.  Like refinancing minus the fees & paperwork.  JUST CHECK WITH YOUR LENDER BEFORE YOU DO ANY OF THIS!