looking for a cheap prize on the book How to Own Your Home Years Sooner -without making extra interest payment

Answer 1

I'll save you 100% right now! Pay an extra 40% of the P&I portion with each payment and you'll pay off a 30 year mortgage in 15 years. On a $200k 6% fixed mortgage, you'll save over $129,000 in interest as well! If 40% extra is too much, make it 25% extra and pay it off in 20 years and save nearly $90,000 in interest.

Just make sure that you enclose a note telling the lender to apply the extra to principal. Without the note, many lenders will dump the extra into your impound account where it will do you no good at all.