If a loan is paid off before a stated date in the mortgage contract, then you can be subject to a prepayment clause. In addition, sometimes lenders will not allow you to pay more on the principal than what is stated in the clause. If you pay above this amount, you can also be subject to a prepayment penalty.
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Reference text: Mortgage Loans: What’s Right for You?, by James E. Bridges with Deborah J. Bridges. Copyright 1989, Published by Betterway Publications, Inc., Crozet, VA