OK that makes more sense. There is no prepayment penalty on the vast majority of mortgages, but if it is paid off within 6 months for whatever reason, then there are major penalties to the originators. I helped someone out last year around christmas whose house sale wasn't going to close until after he needed to get into his new home for the holidays, and I was really up front "hey I know you are going to get a lot of money selling your house, please agree to make 6 payments and THEN pay it off, or else I actually will owe money for doing this loan, that is why no one else would help you because of the risk..." Of course he said no problem and of course I had a 4000 dollar fine taken out of my paycheck as my christmas present when he paid it off a week after closing. Rude, not illegal. That is just why I wanted to ask if they were encouraging people to do that inside the 6 month period because I would be rather upset at the prospect.