By the way,
any time a bank wants to charge you for paying off a loan before it's due, tell them that you will just stop making payments and they can 'foreclose' on the loan.
Whenever a loan is 'called' or 'foreclosed' they can be paid off with no penalties.
So, if they tell you that you have to pay a fee to close it out early, just tell them they can go through all the cost and expense of filing court papers, and you will just pay it off without the fee, or they can waive the fee this one time and you will just pay it off without the fee.