I purchased a home and it closed on January 24, 2007 and my mortgage broker told me that I would have a pre-pay for the first loan for $6,000.00 and that would come out of my equity out of my home when I refinance. So, I called my lender to get payoff demands because I was going to refinance in 2 months and just pay the pre-pay to lower my month mortgage payment. When I received the payoffs it showed on there that the pre-pay was for the 1st and the 2nd and it is over $17,000.00+. I have a email from the Broker stating is was supposed to be for 1 year prepay for the 1st and it would be $6,000.00 and he would refinance me in 2 months to reduce the payment and pay the pre-pay. Well, now I don't know what to do I am in a loan I cannot afford and he won't return my phone calls now more. What are my options?