as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
can extra mortgage payments be made to lower the monthly payment amount?
user
that's tricky. typically you lock in the minimum monthly payment when you close the loan. you can pay more but not less. options:
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