Paying off your mortgage faster is 100% in your control—regardless of whether your home value grows or stalls.
In Denver, Zillow expects 0% year-over-year home price growth—meaning no equity boost from appreciation in the near term:
If you want to grow wealth, you can’t wait for the market. You need to make your move now.
1. Switch to Biweekly Payments Instead of Monthly
Biweekly payments quietly save you years and thousands in interest.
Instead of 12 monthly payments, split your payment in half and send it every two weeks. This results in 26 half-payments—effectively one full extra payment per year. That bonus payment goes directly toward your principal, shrinking your balance faster. Here’s a real example of how biweekly payments impact your loan:
2. Apply Any Windfalls Directly to the Principal
Every unexpected dollar is a tool to attack your balance.
Think tax refunds, work bonuses, and side hustle income. Instead of letting these windfalls disappear into daily expenses, apply them straight to your mortgage principal. For example, consistently putting a $3,000 tax refund toward your balance yearly could wipe out years of payments and save you six figures in interest.
Every extra payment shortens the life of your loan.
3. Refinance Strategically (Only When It Makes Sense)
A smart refinance creates breathing room and accelerates payoff.
Rates dropped or drowning in high-interest debt? Refinance—but don’t just reset your term. Focus on lowering your rate and consolidating debts without extending your mortgage unnecessarily. One client freed up $800/month through debt consolidation, redirected it to the mortgage, and eliminated nearly 5 years off the loan term.
It’s not about chasing low rates—it’s about using refinancing as a tool to grow wealth faster.
You don’t need home prices to rise to win. These steps put you back in control. Want a free biweekly mortgage calculation tailored to your situation? Message me—I’ll run the numbers for you.
