At one time they offered twice a month payments, but only if it was automatic payments. I don't trust automatic payments, especially something as big as a mortgage. I occasionally need the money temporarily to fix my car or something, so I'd rather pay later a couple times a year. I sometimes send in extra principle with a payment. If I sent in 1/2 a payment early, I don't think that they would apply it until they received 100%, because of an answer I got back from them about this before.

https://docs.google.com/spreadsheet/ccc?...amp;usp=sharing