I would 1st review the docs or better yet have an attorney look for loop holes, last time I did that it was only $150 and worth it. Another step would be to contact your mortgage note holder and discuss what options that they can offer. I had one lender that allowed me out of my "pre-payment penalty" loan without any cost to me by agreeing that the new buyer would do the new loan with them (Countrywide Home Loans no less).
I have also found that ....as with a current pre payment issue with a rental I wanted to sell, the pre payment penalty was only $5,000 and the profit on the sale will be in excess of $50,000 net. ITS ALWAYS ABOUT THE NET.... so a 10% loss for me is acceptable. Ez stuff.
Hope this has helped a bit. :)
MERRY XMAS.. and HAPPY NEW YEAR... 2008 will be a GREAT YEAR!
*side note: i am listening to a cd of Stevie Wonder's Greatest Hits...,
great way to start my day.