21.   --The mortgage borrowers can, and do, prepay the mortgages.

22.   The question whether to prepay the mortgage or to continue building the retirement portfolio is really a matter of personal preference.

23.   We have been prepaying our mortgage so we will own our condo by then.

24.   -- Charging penalties for prepaying the mortgage.

25.   The bigger risk for Fannie Maes, and Ginnie Maes, is that when interest rates drop, homeowners typically rush to prepay their mortgages.