To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers.

How Do I Pay Off My Mortgage Early?

From adding a little extra to your principal payment every month to refinancing your loan to a shorter term, here are some ways you can pay off your mortgage early:

Budget Easy Pay

Split your monthly amount due into smaller, more frequent payments. There is no set-up fee.

Learn More about splitting your monthly payments

One-Time Payments

Make an additional payment to principal anytime by signing in to our mobile app* or online banking. Select your mortgage and click Make a Payment.

Sign In to online banking


Refinance your mortgage to a shorter term. For example, if you have a 30-year loan, refinance to a 15-year term.

Learn More about refinancing your mortgage

More About Mortgages

Find the Best Mortgage for You

Our great mortgage rates will bring you home. We've got options for military members, first-time homebuyers or those looking to finance.

Learn more about the mortgages available from Navy Federal

Make Sense of Home Buying

Get clear, step-by-step information on the home-buying process, from understanding mortgages to homeowner essentials.

Learn more about the home-buying process

Mortgage Calculators

From estimating closing costs to deciding how much home you can afford, our calculators can help you make decisions about your mortgage.

Learn more with our mortgage calculators


This content is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.