Early mortgage payoff shocker

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In the case Madura v. Countrywide Home Loans Inc., Full Spectrum Lending mailed borrowers loan documents to sign and the borrowers signed and returned the documents via mail. (Of the borrowers, the husband signed the loan documents, and the wife only signed to exclude herself from the transaction.) Based on this, Full Spectrum extended a loan of $87,750 that was secured by the borrowers' principal residence. Five days later, Countrywide Home Loans purchased the loan from Full Spectrum. Less than eight months after closing the loan, the borrowers sought to pay the loan off in full but were advised by Countrywide Home Loans that a payoff would incur a prepayment penalty of more than $5,000.The borrowers objected that they had never agreed to a prepayment penalty and demanded to be provided with a copy of the documents Countrywide claimed obligated borrowers to the penalty.Countrywide allegedly refused to provide such a document but did provide copies of other loan documents ...