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Make 13 Mortgage Payments If you figure out the total interest you will pay over the life of your mortgage, you will probably faint. Try making 13 payments a year instead of 12. One extra payment applied completely to principal can cut up to a year of payments off of a 30 year mortgage. Get A Free, No-Obligation Consultation with a Mortgage Professional Home | For Sellers | For Buyers | Member Log-in | Contact Us | FAQ | Helpful Links | Site Map FSBO America LLC Content Warning FSBO America LLC |