Find the additional payment required to pay off your loan early.
Early payoff is a homebuyer's dream. To pay your home off early, you buy a home you can afford with a mortgage-to-income ratio that doesn't break the bank in the first place. Then you do everything you can to increase your income and use that extra money to make early principal-only payments.
Principal-only payments add up very quickly, and before you know it, your house is paid off. A paid-off mortgage is a great way to relieve stress for the rest of your life. When you don't have a mortgage bill every month, it enables you to free up that money for other things, like remodeling, taking a dream vacation, or saving for retirement.