A mortgage hack the banks don't want you to know about!

Over 51% of homes with mortgages in the U.S. have interest rates under 4%!
With such low interest rates, why would you ever want to refinance? Well here’s a mortgage hack that will help you lower your mortgage payment WITHOUT you having to refinance and restart your loan again.
It’s called a “mortgage recast”. A recast is when the lender recalculates your current loan balance against your current rate and the amount of years you have left on your loan.
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Question? If you make payments prior to the loans very 1st payment How should the servicer apply those payments? Is the servicer required to apply initial prepayments as a first mortgage payments or applied as principal? Does prepaying prior to the 1st payment effect the interest amount?