Advance Monthly Payments for P&I

[Jason W.]

There's a scenario where a borrower would like to pay upfront for 6 monthly P&I payments. Are there any legalities or statues to consider? I was thinking one could setup a separate bank account, deposit the upfront money then make the monthly payments per the mortgage note from this account. That way it's all separate and a bank statement can be produced and reconciled at any time for these transactions.

Any and all feedback is greatly appreciated.