Posted by Ultradog MN on October 08, 2015 at 19:26:35 from (172.56.9.171):
In Reply to: Mortgage company scam posted by MarkB_MI on October 08, 2015 at 18:05:34:
I have one mortgage on two rentals. 8 years paid on a 20 year note. Every month I send the coupon in and add a few bucks extra assuming it will go to the principal. So i lost both tenants in September and broke my leg in August so money is kind of short. I called the bank to talk to them about maybe missing October's payment. They said no problem. You are paid up in advance till mid 2016. I asked how is that possible. They said the extra payment amount you've been making accrues to the next month's payment not to principal. GRRR. There's no box to check or anything on the coupon to specify where the extra $ is to go so their default place is next month. I have to write in the coupon "extra to principal". Grrr. In this case I was glad for the buffer this month but will not be making that mistake in the future.
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