<human>: I purchased my first home less than 6 months ago, and financed the purchase with a mortgage loan that I obtained through a mortgage broker.  Rates have dropped significantly since that then, (I estimate greater than ~.6% from my current rate) , which could save me potentially over $150/month.  Original mortgage broker tells me that if the loan is refinanced within 6 months of getting the loan, then he gets charged back the entire commission that he received from the lender for my loan.  I do not recall this ever being disclosed or explained to me when I was getting the loan, and I'm a first time home buyer so I wouldn't know any better.  I don't want to roll the dice to see if rates stay the same or drop after 6 months pass when I can do something now that would make such a financial difference my family and me, i.e., permanently reducing my payment by possibly over $150/mo.  No doubt I would feel bad about the mortgage broker being charged back commission if I refi'd now... I have no idea how much money that would cost him, but at the same time I do not recall this ever being disclosed to me while I was getting the loan through this broker, and I feel as though knowing this would have made a difference in the decisions I made when I made my original purchase and financing decisions.  Furthermore, Page 1 of my Closing Disclosure says there are no prepayment or balloon payment penalties, and that was something I absolutely required as a clause on my loan.  I signed a ton of forms though during closing, and I don't know if there was anything in there about a penalty to me for refinancing within the first 6 months as a result of the broker losing commission, however, the prevailing thought in my mind at this moment is that I need to do what's best for my family and think of them first.   

Looking for some help and advice.  Is this a common issue that comes up in real estate finance?   Do I have any liability to the original mortgage broker if I refinance now?  Loan is in California. Thanks.

Condense the text into a few key points
<bot>: Mortgage loan originator will lose his commission if I refinance my mortgage within 6 months.  If I refinance anyways, can I be sued for anything?  What's my liability exposure in this situation?