query: skipping four mortgage payments at closing

hmmmmm........I'm guessing you are talking about a refinance transaction.Depending on the timing of your closing, you may have a breather from payments but you're not really skipping any. Here's an example:You have an existing mortgage with a payment due date of the 1st of April. The grace period is 15 days.You schedule your refinance closing for the 10th of April. Even with the rescission