Interesting stuff in here
Tips
1. Pay extra every month - Yes the bank knows to put it to principal
2. If your interest rate is over 4.5% get it refinanced
3. Download the spreadsheet from excel, it helps you see the impact of you extra payments
If you are only looking for a lower payment, you could look into a Re-cast but that doesn't pay it off faster, just gives you a lower monthly payment.
Most banks will not allow bi-weekly payments which can lead to a problem because anything not the full amount will be put to principal and you'll "miss" your monthly payment.
Also, just wanted to point out most (not all) mortgages are done on a Monthly Interest calculation while car loans are done on a Daily Simple Interest. Basically, the more days between your car payments the more interest that has accrued. With a mortgage, it doesn't matter if you pay on the 1st on month and the 10th the next, the interest doesn't change.