If you have a 30-year mortgage, you may be curious if there are ways you can trim that time down, and by how much, without increasing payments too much. Luckily, there are options you can weigh carefully, depending on your situation.

Make extra payments early in the loan term

Increasing your payments each month could be the way to go. For instance, you might simply round up your monthly payments to make them even, says U.S. News. Just make sure to speak with your lender to see how they treat extra payments.

Arrange biweekly payments

Cutting your monthly payment in half and making bi-weekly payments instead could amount to 13 months’ worth of mortgage in twelve, according to Bankrate. Plus, it could save you on interest. Make sure your lender is okay with them.

Make extra payments toward the principal

A large part of your monthly mortgage payments goes toward the principal and interest. One way to pay off your loan faster is by making extra payments to the principal only, says Forbes. Let your lender know if you decide to go this route, so that extra payments aren’t going toward the interest. Doing this may save you tens of thousands of dollars, according to Bankrate.

Make lump sum loan payments

It’s called “mortgage recasting,” according to Bankrate. The idea is a borrower makes a large payment – lump sum – on the principal balance. Then you’ll have a new balance, and your loan will be updated accordingly. In short, this’ll help lower monthly payments and the interest you pay over the entire loan. Typically, a minimum of $5,000 is required to recast, says Forbes. The fee is usually only a few hundred dollars. Note, however, that FHA and VA loans can’t be recast.