If my husband and I have come into extra cash is there any way we can pay off our mortgage earlier?
You can pay off your mortgage early, however, some mortgage companies have a pre-payment penalty. You will want to call your mortgage company and ask them what the payoff amount is. The actual payoff is typically higher than the balance you see on your statement as interest is paid in arrears. You will...

Can I apply for a mortgage with my dad?
Yes, you can apply for a mortgage with your dad.