Regarding Mortgage Interest with the $10K SALT cap, I live in CA and I’m seriously considering prepaying multiple payments, which seems extreme to me and I’m wondering if others out there also has this option.

It’s common to see many out there advising paying your January payment early (next week) to realize the extra interest deduction in 2017. In my case, I noticed that my loan servicer provides the option of submitting up to five months of payments in advance which (in theory) should give me the option of realizing the interest deduction value in 2017 for my January through May of next year. I called their customer service and confirmed that these ‘extra’ payments would push back my next loan due date to 6/1/2018 and not just be credited as additional principal payment.

It’s a good chunk of change and it seems like a lot can go wrong, is anyone else from high-tax states able to and/or considering paying multiple 2018 mortgage payments this year?