I would add though that you need to see what was contracted for. Are your loan documents specific to a cushion or is it worded such that you have flexibility? I have seen both a reference to a number of months and to a maximum allowable by law.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell