Hi, it's come to my attention that MLOs are coaching borrowers not to make payments on in-house refinances because it will throw off the payoff amount. I do not believe we should ever tell a borrower not to make a payment, particularly since this could come to light in the event of a foreclosure situation. Am I overthinking this or is it acceptable for us to advise borrowers not to make payments? Any other risks I am not considering? Thanks for the input.