I know I asked a question in the subject line, and I invite answers, but for me, the answer is a very loud yes because we did it and it worked great. I'm aware that it's split down the middle and depends on who you ask... some people and even financial advisers are saying that it's not worth it, and others strongly advise it. For us it was worth it. I've also heard that the house gets paid off just a month or two faster. That's ridiculous... it amounted to years. I assume that there are some really lousy programs that cheat people and maybe *do* amount to just a couple of months, though. I do know that some programs can charge way too much, so it takes some research and talking with real estate and maybe bank people to find a good plan. Bottom line for my own case is that with the combination of biweekly payments and dumping as much extra principal payment into the mortgage as humanly possible we had the house paid off in 8 years instead of 30 because it was a 30 year mortgage.