Maybe it depends on the mortgage servicer, but I was able to. I did it when I went on unpaid maternity leave a few years ago. Made me feel much more in control to know that my mortgage was paid for the duration.
I called to ask, and was walked through how to do it.

Anonymous wrote:If you pay electronically, you can just schedule a whole bunch of payments to go in on the dates your mortgage is due.

But the $ won't be deducted until that date. I want to make a few payments up front

If you pay electronically, you can just schedule a whole bunch of payments to go in on the dates your mortgage is due.

I am considering helping out a family member who has horrible spending habits. She had asked for x amount and I have agreed to help with mortgage payments only. As long as she keeps the house, the kids have a home and can stay in their school.

Anonymous wrote:Once when I accidentally paid the mortgage twice, they just applied the second payment to the next month. I don't know how usual that is, though.

Same thing happened to me.

Anonymous wrote:

Anonymous wrote:So you are trying to pay more now in anticipation of not being able to pay as much later? No, it doesn't work that way. If you overpay a credit card, that money will stay there and count towards your next monthly statement. For a mortgage, they will just apply it to the principal and charge you the same amount as always the next month.

I'm not asking about a credit card.

That's why PP differentiated between the two. And since you're back, why don't you answer some of the questions that PP and others have for you?

Why not just put that money aside in a separate account at home so you can pay the mortgage each month?

Anonymous wrote:So you are trying to pay more now in anticipation of not being able to pay as much later? No, it doesn't work that way. If you overpay a credit card, that money will stay there and count towards your next monthly statement. For a mortgage, they will just apply it to the principal and charge you the same amount as always the next month.

I'm not asking about a credit card.

Are you trying to pay extra, or just not have to pay a mortgage check in a certain month?

There are ways to do both, but honestly so many mortgage places will mess things up that are not regular, I would make sure you have auto-debit, and just be disciplined enough to leave the right amount in the account. For overpayment, write a separate specific check and make sure you inform them that the overpayment is to be applied directly to the principal.

Once when I accidentally paid the mortgage twice, they just applied the second payment to the next month. I don't know how usual that is, though.

Anonymous wrote:Our mortgage provider lets us designate how to apply any overpayment. We can apply it to principal, escrow, or next payment.

This is the usual arrangement, I believe. But mistakes can be made, creating big messes . . .

Our mortgage provider lets us designate how to apply any overpayment. We can apply it to principal, escrow, or next payment.

So you are trying to pay more now in anticipation of not being able to pay as much later? No, it doesn't work that way. If you overpay a credit card, that money will stay there and count towards your next monthly statement. For a mortgage, they will just apply it to the principal and charge you the same amount as always the next month.

Ask them.

Rather than paying more off of your total mortgage, can you have the bank allocate payments toward the next 4 or wherever upcoming months?