Extra mortgage payments can make sense, but only after you compare them with other financial priorities that may carry more urgency or higher return.
When extra mortgage payments help most
If you already have strong cash reserves and little high-interest debt, extra principal can reduce total interest and shorten the payoff timeline.
When something else should come first
If you still have weak emergency savings or expensive revolving debt, those usually deserve attention before low-rate mortgage acceleration.
Bottom line
Paying extra on a mortgage is often a good optional move, not always the best first move.