We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?! 
