10/14/2026
What if changing WHEN you pay your mortgage could help you pay it off sooner?
A bi-weekly mortgage payment schedule allows you to make half of your monthly mortgage payment every two weeks instead of one full payment each month.
Here's where it gets interesting:
โข Monthly payments = 12 full payments per year
โข Bi-weekly payments = 26 half payments per year
That means you're making the equivalent of 13 full mortgage payments annually!
That extra payment could help reduce your principal balance, save on interest, and bring you closer to owning your home outright.
Before switching, check with your mortgage servicer to understand how payments are applied and whether a bi-weekly payment option is available.
Small changes to your payment strategy could make a big difference over the life of your loan.