I paid 2 payments at the beginning of my mortgage to always be a month in advance, BUT they reported a late payment on my credit!

Staying ahead of your mortgage payments is a great idea. Making double payments reduces your principal balance, but not making your regular monthly payment on time will result in your lender reporting a late payment.The best thing to do is make your payment on time every month. If you want to make extra payments, be sure to write a separate check for the extra amount and attach a note instructing the lender to apply the extra payment to your principal Balance. Hope this helps.Paul Stern Mortgage Loan Officer 1st Financial, IncTampa Bay Area