<prompt> Human: Hello all you smart ones. I just refinanced my mortgage to a 15 year loan and hoping to pay it off sooner. I thought about making biweekly payments, but all the companies Ive called have some crazy fees to use their service. The loan company itself doesnt have an option in place. Is there any other option that I can utilize to pay off this loan in a faster period of time?  <response>: Yep, there is. Just make an extra principal payment once per year. See here 