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<p>[QUOTE=&quot;masterswimmer, post: 24896516, member: 102022&quot;]And there you have it. Never skipping a payment, because you think you paid for a couple of months in advance, doesn&#039;t prove that you were actually paid in advance. Your payment was almost certainly paid towards principal or escrow and you either shortened the term of your mortgage, or you were refunded the overpayment of your escrow when you paid off your mortgage.[/QUOTE]</p><p><br /></p>

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