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	<title>Comments on: Your #1 Defense Against Getting Ripped-Off on a Mortgage</title>
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	<description>Empowering residents and newcomers with the tools they need to make strong Silicon Valley real estate decisions</description>
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		<title>By: Brian Brady</title>
		<link>http://www.1siliconvalley.com/prepayment-penalties/comment-page-1/#comment-552</link>
		<dc:creator>Brian Brady</dc:creator>
		<pubDate>Mon, 14 Apr 2008 07:56:42 +0000</pubDate>
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		<description>&lt;p&gt;A &quot;soft prepayment penalty&quot; is often used; it is not applicable in the sale of the property.  While it doesn&#039;t lower costs as much as a &quot;hard prepayment penalty&quot;, it can be a workable option who plans to move soon. &lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>A &quot;soft prepayment penalty&quot; is often used; it is not applicable in the sale of the property.  While it doesn&#8217;t lower costs as much as a &quot;hard prepayment penalty&quot;, it can be a workable option who plans to move soon. </p>
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