Most “bi-weekly” payment plans are actually third parties, who, for an initial set up and monthly fee, deduct ½ your payment from your bank account every two weeks, then post it to your mortgage after they have collected two ½ payments. You end up paying 13 payments/yr, which is why you pay down the mortgage faster. I always tell my clients they can accomplish the same thing for free by including extra principle payments with their monthly payment. If you have difficulty managing your finances, you might consider setting up a separate savings account to pay your mortgage from, having ½ payment deducted from your paycheck every two weeks. There is nothing wrong with paying down your mortgage early, provided you have your other bills under control, have a decent amount of savings to fall back on if necessary, and you don’t spend too much money paying someone else to do what you can easily do for free!