I am not sure how you are paid…..I am paid every two weeks and I use a bi-weekly payment plan to pay off my mortgage early. In this plan, you essentially make 13 mortgage payments a year which will save you thousands in interest over the life of the loan and will allow you to take between 3 and 7 years off the term of the mortgage. Additionally, if you are able to pay extra each month, or make a lump sum payment each year, that will also allow you to take considerable time off the term of the mortgage.
The company I use is EquityPlus.net.
Hope this helps….