# Early Payoff Fee Recheck

Recheck an early payoff quote against the documented penalty terms before accepting it.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Payoff quote, remaining balance and the loan penalty terms.

## Workflow
1. Record the remaining balance.
2. Compute the penalty from the documented rate.
3. Compare the quote fee to the computed penalty.
4. Return the recheck without accepting the quote.

## Output contract
loan | balance | penalty_rate | expected_fee | quoted_fee | difference

## Fictional acceptance test
Fictional payoff quote covers a balance of 80,000 with a 1% penalty, which is 800: the quote includes a 1,200 fee, 400 over the documented penalty, so it gets questioned.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/can-i-be-charged-a-penalty-for-paying-off-my-mortgage-early-en-204/

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