I know people do this but I don't understand why. Business is business. Do you feel you owe the contractor something for hiring you? I don't. Doing the job you agree to is all that you owe. If it is a contractor that is more or less keeping you in business it might be worthwhile to give them a little better deal but even then your bills still need to be paid. I doubt the mortgage company is going to give you a courtesy discount.
