Get a mortgage that will allow you to make large lump-sum contributions and increase your monthly payments if you decide to pay down your debt faster.

Increase your mortgage payment annually to the most you can afford.

Make accelerated bi-weekly payments to get a "free" principal reduction equivalent to one full mortgage payment every year - painlessly.

The average mortgage must be paid off in 25 years. By selecting a shorter amortization period you can cut years off your mortgage.

Get a portable mortgage. This means you can transfer your mortgage to your new home and combine it with a new loan, if necessary without penalty.

Get an assumable mortgage. That would allow you to leave your mortgage behind (without penalty) for another qualified buyer instead of breaking it.