"RCW 59.18.352Threatening behavior by tenant—Termination of agreement—Written notice—Financial obligations.If a tenant notifies the landlord that he or she, or another tenant who shares that particular dwelling unit has been threatened by another tenant, and:(1) The threat was made with a firearm or other deadly weapon as defined in RCW 9A.04.110; and(2) The tenant who made the threat is arrested as a result of the threatening behavior; and(3) The landlord fails to file an unlawful detainer action against the tenant who threatened another tenant within seven calendar days after receiving notice of the arrest from a law enforcement agency;then the tenant who was threatened may terminate the rental agreement and quit the premises upon written notice to the landlord without further obligation under the rental agreement.A tenant who terminates a rental agreement under this section is discharged from payment of rent for any period following the quitting date, and is entitled to a pro rata refund of any prepaid rent, and shall receive a full and specific statement of the basis for retaining any of the deposit together with any refund due in accordance with RCW 59.18.280.Nothing in this section shall be construed to require a landlord to terminate a rental agreement or file an unlawful detainer action."

I provide you with the prepaid overnight label to get the docs back to me.

When we moved two mortgages to TD last year, we pre-paid a chunk of principle along with our first payment and now are eligible for a "mortgage vacation" of up to six payments.  

Get her on an ACH debiting service that takes the money from her account the day after she is paid.

Your new lender will order the payoff from the current lender whom may be HML/PML/Conv/etc and the total payoff is called the "payoff demand," typically by attorney or escrow states.The demand will be placed into attorney/escrow as a "debit," and your new loan you're obtaining from a lender will be a credit on the settlement statement. 

So my debit to income.

That way you can sleep better at night and have access to the cash 24/7.I don't really follow the "have access to cash 24/7" - since with credit/debit cards access to my money have never been an issue.

Also a lot of what you paid is prepaid charges for insurance and taxes so those aren't really fees but just inpounds as that money will be used to pay your bills.

and (3) NOTICE OF CANCELLATION, IF GIVEN BY MAIL, IS EFFECTIVE WHEN DEPOSITED IN THE UNITED STATES MAIL, PROPERLY ADDRESSED, WITH POSTAGE PREPAID.

BTW, I don't endorse "credit scores" at all, but I know I have "played the game" contrary to the opinions of people like Dave Ramsey, who declares in How To Improve Your Credit Score Without Debt and countless other videos that debit is the devil.