I hope it's alright to start another thread with this topic. I just found the other one like it closed and I had something to say about it. We'd been talking about whether or not there was a penalty on my mortgage for paying it off early like I'm doing. I'm happy to say I *finally* remembered to look at the papers (hehe Okay, so I came across them by accident!) and there is indeed NO penalty. Whew, that was a scary one there for a while!