Make more money, make extra payments
There are several ways in which you can make money on the side and use it to make extra mortgage payments every month. You can get a part-time job or start a home-based business to make extra money. You can sign up with rental platforms such as Airbnb and rent out a portion of your house.
You can also rent out your car, boat, RV, bike, garage, backyard, driveway, camera equipment, tools, and pretty much anything else that you own through various online platforms and make some money. Whatever you earn, you can pay it towards your mortgage and reduce the principal as much as possible.