How can I payoff mortgage sooner?
When going over mortgage options, discuss with your lender the possible options of prepayment privileges to determine whether or not you can shorten your amortization period (the time it takes to pay off the full balance of your mortgage).
If you are already locked into a mortgage, look over your contract with your lender to see if you might be able to increase the regular monthly payments or pay a lump sum towards the principal without penalty. If the lender penalizes you for increasing payments, consider the breakage costs in your mortgage contract. Especially, if the interest rates are low and if it would save you a lot in the long run.