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In securitized, fixed rate financings, the mortgage isn’t prepayable after all and it is, in effect, “locked away” from prepayment before the final couple of months of the loan allowing for a refinancing. A borrower is given the ability to defease its loan but not prepay the loan in this context. A defeasance is a system whereby a borrower replaces the security associated with the mortgaged home and a package to its cash flow of treasury securities tailored to generate an income which will produce the attention re payments that are needed beneath the real estate loan for the rest for the term regarding the mortgage loan also to allow for the main repayment upon readiness associated with the home mortgage.
A borrower would not have any right to prepay its loan during any such lockout period as a result of these restrictions. In the event that lockout duration is a total limitation, then any make an effort to prepay the mortgage could possibly be refused by the loan provider, as well as the loan provider will never have responsibility to just accept such tender of prepayment.
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