Your BLOC should not drop below a zero balance. This is money that you are giving away to the banks. So what should you do if your BLOC balance reaches zero:
assume you closed on the following mortgage loan four years ago to the month:
mortgage loan amount: $300,000
term: 30 years
total monthly payment: $1,798.65total payments made: 47 payments
you will then use your BLOC to make an additional payment of $5,000 on the next payment.
your BLOC will look like this: