<prompt> Human: Im in the process of refinancing so this isnt a huge issue, but I just went to make my mortgage payment to my original mortgage company, and when I went to add my usual extra amount to pay down my principle I saw that they tacked on a fee 30!!. Im even happier Im refinancing now, but this is still very annoying. Is this something that the lender can just suddenly start doing?Edit: Im in WA state and I have a conventional loan. Some have said it may be because I have paid down more than 10 this year, but that hasnt happened. My current lender is some huge company based in Texas that my loan was sold to a while back I am now refinancing with my local credit union. I just checked my original loan, and it does specify that there will be no prepayment penalties. In any case, I wasnt sure if that was something that was bound by the original contract or if it could change if my loan was sold, which it eventually was. Now I know that I need to call my lender and give them an ear full. A little more detail on what happened. When i go to pay the mortgage theres a screen that lists the minimum payment, plus boxes for additional escrow and principal. Well now theres a 30 fee listed, and when I click the explanation bubble next to it it reads amount is not included in the Total Amount Due if paying only the delinquent amount. So when I click the box that says pay minimum amount this fee, along with the boxes for additional principalescrow, goes away and is not included in the total at the bottom. Seems like a prepayment penalty to me. Anyway its the holiday weekend so I probably cant get a hold of the company now anyway, so Ill have to deal with this next week. Thanks for all the help.  <response>: They cant do it unless your original mortgage allows it. Check the documentation and make sure they arent charging a fee which isnt allowed. 