Phil Dumouchel (PhilDu)
#1 ranked lender in South Carolina - 2,005 contributions
An option other than another mortgage lender is the attorney or title company involved. They should review the paperwork with you including whether there is a prepay penalty. In general, there are very few loans or lenders available these days that would have a "gotcha" in them and there are strict requirements for disclosures. Your best defense is to work with a reputable lender, read the basic disclosures they provide (good faith and Truth in Lending) and ask questions until you are satisfied.