Most mortgages are unaffected by a lump sum payment. Sorry.Some banks will reamortize (recalculate the payment schedule) a loan for a fee, but I think itu2019s kind of rare. So making that lump sum payment just reduces the term of the loan (youu2019ll pay back the loan sooner).An exception to the above would be adjustable rate mortgages. ARMs reset at various dates, depending on the type of ARM. At the reset date, your rate will change and the payment is recalculated. That calculation takes into account the remaining principal balance on the loan.