That's awesome! Did you go for the kiss? It's hard to be vulnerable and open yourself up again. It's much different this time around. After going through the pain that we have you realize you don't need anyone and if you do find someone it's just icing on the cake.
We don't have early penalties for the paying the loan off but when you refi you do have closing costs added in your new loan. When I bought my XW out of the house I had to refi it for what we owed on it at that time plus I had to add into it her portion as well. Thankfully we had a ton of equity so I did not exceed the appraisal value but I lost my interest rate which was around 3% and my mortgage went up by about $600 per month. That really stunk!
