Clark Howard has been sharing unbiased advice to help people save more and spend less for more than 30 years. It's time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Use the money transfer option and overpay the mortgage that way. The Treasurer's Office has several payment options. No application is required if the Treasurer's Office can determine who made the overpayment using bank, credit card and property records. You can purchase items up to your credit limit if you make the minimum required payments. Don't overpay on your home loan! Get updated mortgage rates, expert insights, and tips to lock in the best deal tailored to your needs. What do you need to finance a car?