title = "Prepayment and Refinance"

content = """
Borrowers may prepay mortgage principal to reduce interest.
Prepayment terms vary: some banks charge fees or restrict
timing. Refinancing replaces an existing loan with a new
one, often at a lower rate. Advise clients that these
are financing decisions; direct them to their lender
for specifics. Do not guarantee prepayment or refinance
terms.
"""  # noqa: E501

version = "0.0.1"
