<prompt> Human: A few hours after we locked in our interest rate 3.75 with our lender, she sends us a prepayment penalty agreement to sign: Once your loan is closed, youre required to keep the loan for six months prior to refinance or payoff. During six month prepayment penalty period, additional principal payment is allowed assuming you are not paying down most part of the loan principle. Violation is subjected to percentage times your loan amount as penalty fee based on the market at the time of rate lock.We requested a good faith estimate before we signed the loan contract a few weeks ago and it clearly stated no in the prepayment penalty section. We really dont know what to do at this point since we only have 15 days until closing and theres almost no time to find another lender. Any comments will be greatly appreciated!!! Thank you  <response>: If you are planning to pay off the mortgage in 6 months, dont get a mortgage. I seriously wouldnt worry about it. 