This is either an attorney question or a good line for a W C Fields statement....
All the best, John Curci
Philip J. Cunningham Sr
V.I.P. Realty Corporation
7942 Bustleton Ave
Are you prohibited altogether from paying the loan off early or is there just a penalty if you do it?
The other thing I'm thinking is that there may be transactional costs involved in selling a home that total more than the prepayment penalty or the interest you'd ay if you held onto the loan for another few years.
From what I know, selling the property to a spouse would not be an effective (or maybe even a legal) way to sidestep the prepayment penalty. But again, seek some legal advice as opposed to opinion you'll likely find on here