Mortgages are an expensive bill, which can be a grudge to pay month after month. Sometimes it seems like the payments will never end and the house will never be yours. But there are ways that you can save money on your mortgage, which can reduce the amount of time needed to pay the mortgage in full.

Refinance Your Mortgage

According to City Creek Mortgage, refinancing your mortgage can save you thousands of dollars in the long run. Refinancing takes a look at your current mortgage and reassesses the terms of your loan. The bank will give you another loan that pays the rest of the first loan, and then gives you new terms to pay them back for the coming years. Typically, when you refinance your mortgage, you’ll end up with a loan for a longer time, but with smaller payments. You do have to get approval to refinance, and you may not be accepted, so it may or may not be the option for you.

Make an Extra Payment

Another way to save money on your mortgage is to make an extra payment at least once before the end of the year. This means that you’ll make thirteen payments instead of twelve in a year. That extra payment can add up over time, reducing the number of years it’ll take to pay the loan in full. It may seem daunting to pay an extra payment, but if you save up just a little bit over the year, you can make that extra payment. You could even use extra income such as a side job or your tax return to make an extra payment.

Create Bi-weekly Payments

According to First National Bank and Trust, another way to save money is to create bi-weekly payments. Instead of paying the full amount of your loan at one time each month, pay half the payment every two weeks. You’ll still pay the full amount each month, but only half at one time. When you pay half payments over the course of the year, you’ll end up paying the equivalent of an extra payment, which again, adds up over time and saves you money in the long run. Bi-weekly payments are a faster way to pay off your mortgage.

Your mortgage may seem never-ending, but the truth of the matter is, you will eventually pay your mortgage in full one day. You can save money now on your mortgage to bring that date closer to fruition.

Looking for more housing advice? Read this next: What You Should Consider When Buying Your Dream Home