Our mortgage company sent me a letter about its “Loan Accelerator Program” whereby instead of making my mortgage payment once a month, they would automatically deduct it from my checking account not once a month, but half the amount twice a month, and this would allow me to pay off the loan much faster. I have heard this is the thing to do, but there is a “Program Fee” of $9/month involved + a one time fee of $49. Why should I have to pay these fees just to make 2 payments a month. Is this typical? Should I do this?