Five things to ask before you sign a mortgage

<br><br>What penalties could I face? Ask your mortgage provider what will happen if you pay off your mortgage early, refinance it or sell your house. You may be facing a three-month interest penalty or an interest-rate differential, which is the difference between the interest charged at the time you signed your mortgage and the interest available at the time of refinancing. These penalties could add up to thousands of dollars.<br><br>