Mortgage savings are available to everyone. Especially if you have a thirty year note. Did you know that you can take 7 to 8 years off your mortgage just buy giving one extra payment every year. All the banks know about it, but will not tell you for obvious reasons. This plan is known as the Bi-Monthly Plan. With this plan you pay half of your mortgage payment every two weeks instead of monthly. You can have the bank set it up for you that way and have the payments automatically withdrawn from your checking account. The trick to the plan is to pay a complete monthly mortgage payment at the begining of the plan and then 6 months later pay another full payment. This will give you that extra payment every year of your mortgage. Most thirty year mortgages are usually paid in 22 1/2 years this way. Try the math with an ammortization table and you'll be glad you did. How much is 7 1/2 years on your mortgage? Believe me, it's worth the trouble setting up the plan.