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How would you like a mortgage loan where you did not have to make the whole payment if you did not want to if you choose to prepay with a one time payment for payment number zero the prepayment is assume to happen before the first payment of the loan . This is the question you should be asking, and not, why. The presence of the stock in the portfolio means that both these quantities have been accounted for. Before closing your loan, get a copy of your loan papers with the final loan terms and conditions so you have enough time to examine them. Interest Rate Calculator - What rate is needed to achieve your future value.
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Include her in the decision so maybe she'll make the right choice.