-->"5. Is there a prepayment penalty on this loan?
There may be a prepayment penalty on your loan. Some penalties are 1 percent of the loan amount, others are equal to six months' interest, some apply only when you refinance or reduce the principal balance by more than 20 percent, and some kick in if you sell your home. Find out the duration of any penalty period and how the penalty is calculated. Some lenders offer lower interest rates to buyers who accept prepayment penalties."

http://www.bankrate.com/brm/green/mtg/mort3h.asp

So wie ich das verstehe"may be..","buyers who accept prepayment penalties" ist
Disagio bei Hypotheken in den USA die AUSNAHME, nicht die Regel!!

<ul> ~ http://www.bankrate.com/brm/green/mtg/mort3h.asp</ul>