Home loans are usually long term commitments. In the early years, most of your payments go toward interest and very little goes toward principal. At the end of a 30-year loan, you will have paid considerably more for your home than you may realize. Look at this illustration:
A loan for $185,000 at 4.125% interest over a 30-year period will actually cost you almost $323,000!
Shocking, is't it? But you can save money by prepaying some additional amount -- on a regular basis. Clark Howard, a financial savings guru, offers up some great ideas for paying down a mortgage early. You can find his article here: https://clark.com/homes-real-estate/mortgages/amortization-schedule-calculator-pay-off-mortgage-faster/