[legion]

My favorite is the "Equity Accelerator" that my bank offers. They will switch your mortgage payments from monthly to once-every-four-weeks at the same dollar amount per payment. This will allow you to build equity faster as you end up making an extra payment every year. All for a "convenience fee" of $50 a payment.

My mortgage is $1100 a month. This program would only gain me $450 in additional equity a year but cost me $650 in fees. I just add $100 to every mortgage payment and come out $1200 ahead...