There are many mortgage elimination programs and also a published book named: “Mortgage Free of life Secrets”. I haven’t read the book yet, but I tried some trial programs. All it says: pay your loan sooner, so your loan paydown will accelerate. There is a question about early pay off. Will you lose your tax deduction? It say yes and that this is an advantage. Because you won’t have a mortgage any more. The thing is to pay less amount per month if possible. You buy something for $5, but you pay back $8. Mortgage free of life prevent you to pay more. I am not sure if this is useful. It is better to ask your bank and get a list of monthly payments for a 15 year mortgage and 30 year mortgage to compare. Only way is to pay off a mortgage, decrease the interest you pay.