Well, let me tell you how i paid my mortgage off early and I did not have to pay a dime. I took my regular payment to the bank and i always had a separate check that said "principal only" They applied both checks and I made sure I got a receipt for two separate payments. I kept track of it on a piece of paper to make sure our records agreed. I got my first house paid off in about 10 years and I have not had a big mortgage since.
Occasionaly, we borrow to buy land and I take a mortgage. I do the same thing every month, with two checks (everything I can save up for that month) and I got my land paid off in 2 years.
Don't waste your money on anything like this.
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