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Loans can be paid off at any time and do not carry any prepayment penalty. Chase Bank still offers modifications. You can even payback the loan in easy monthly instalments at easy terms and conditions. You must live in the home you own, your debt cannot exceed $729,750 and the loan must have been secured prior to January 1, 2009. Making late payments, missing payments, or declaring bankruptcy leads to a low credit rating for an individual.