Was told that my loan was a soft pay and that if I sold my home before the first year of the loan there would be no prepay penalty. Mr Ed Hurwitz is a PREDATORY LENDER AND A LIAR.He has denied ever saying that this loan was a soft pay. Now I am in contract and can not get out of this loan. Remember the names: APEX MORTGAGE SERVICES AND EDWARD HURWITZ SCAM ARTISTS.