Is it OK to pay 1m ahead on mortgage?

[cj0203]

I'm concerned about the amount of cash we have from our tax return, so I'm considering paying ahead on our mortgage to help reduce the cash amount in case they try to take some. Is that acceptable? Meaning I'd pay Feb and March now and then pay once a month until we file (to stay one month ahead) and then let it sit until it's actually due again once we are discharged? Our mortgage is like $2k a month so paying out $4k at once would def help our 'excess money' situation. (I know $2k sounds high, but here in NH it's pretty normal for a mortgage in our area)

Oh, and before someone says something about me having a lot of money for my refund, we had NO idea how much we'd get because we bought our first house last year and this is the first year we've itemized and had so many deductions.

[lrprn]

Discuss your plan to pay ahead on your mortgage before filing with your lawyer. Some trustees may consider that a preferential payment if you do it within 90 days of filing.

Won't affect you now directly but the trustee could make your mortgage lender give back the extra payment which you would then have to pay again later.

[cj0203]

Ok, thanks!