As long as your mortgage allows you to make additional payments to principle (and most do), you can usually make pre-payments any one of these ways:
- contact your mortgage broker
- if your mortgage has online access, you will likely be able to make payments online
- call the customer service line for the lender
- if your mortgage is with a lender that has a branch nearby, you can visit the branch in person
You may be able to increase your regular mortgage payment, or make a lump sum payment directly to your principle. If you’re a real go-getter, you an often do both at the same time. Make sure that you understand any maximum pre-payments you are allowed to make without incurring a penalty. Then do something fun to reward yourself for paying down your mortgage early!