so I am in negotiations now with 2 different mortgage companies…I have to get the house appraised now. Hopefully it will result in the refi before the due date. its sick though, there is still a huge pre-payment penalty if it gets paid on before the 24 month initial time period is up. so as of 5/30, the prepayment penalty is $5500!WTF? So hopefully we can get this resolved as of 7/1, no prepayment penalty, all is happy happy…