The bank will happily approve you for a payment that cancels your retirement. The rules for finding your real ceiling — taxes, insurance, maintenance and all.
There's no hack, but there is a sequence. Five moves — in the order that moves the number fastest — plus the timeline to expect and the myths to ignore.
One method saves the most interest. The other gets more people to the finish line. The honest comparison — with a $500-a-month worked example — so you can pick the one you'll actually complete.