Followup: I'm pretty sure I confused the concept of "recourse" (whether the originator can pursue you for any money they couldn't recover from the collateral) w

Followup: I'm pretty sure I confused the concept of "recourse" (whether the originator can pursue you for any money they couldn't recover from the collateral) with the concept of a prepayment penalty. As best I can tell, mortgages are non-recourse in some US states, but recourse is available in others.