<prompt> Human: Hey all,Excuse my ignorance here as I am purchasing my first home and the schooling systems here dont teach you about actual shit that is relevant in life...I got a nice little inheritance which is allowing me put a sizable down payment on a house. I am getting a 100k mortgage at 5.1, 30yr. This according to online calculators comes out to 543 a month. I anticipate paying more than that each month to pay it off quicker but also want the flexibility of paying as little as that months I have more expenses...my question is:If my mortgage note is 543 a month for 360 months from the start, if I pay say 1000 on the first payment does it prorate the rate to a lower premium or how does that work? So instead of 543 for the remaining 359 months would it lower a bit because I paid more this first month? I assume so, but wasnt sure if there were any loop holes I was missing.Thanks in advance!  <response>: 3 days ago you posted that you werent working. How are you getting a mortgage? 