My mortgage company refuses to take any payment beyond what is owed, unless it's a multiple of what is owed. I auto-pay a rounded up value, which means they mail me back the money they refuse to apply to my account. Is it really cheaper to mail it back than apply it? 🙄

That’s terrible! We pay a few hundred additional each month toward our principal balance. There is no way we can pay double. Clearly your m company doesn’t want you to pay off your loan any sooner than the term period.