I bought home almost 4 years ago. When buying the home I did not plan on moving so I took a 80/20 with a $3000 prepayment penalty if I paid it off in the first three years (I almost wonder if I saved my butt sine it changed into a variable rate after three). I ended up moving after 2 and a half months A mortgage broker friend suggest and helped me get a Opt 4 mortgage incase there are no tennants and I could pay a very low payment if I chose. In refinancing, it added on that prepayment penalty a

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