[ ] may [ X ] will not be entitled to a refund of part of the finance charge.
That means you will not be getting a refund of anything you've already paid. It is in pretty much every single mortgage document I have ever seen (and I've seen lots of them).
If you had to pay all of it regardless of when you paid it off, that would be under a clause called prepayment penalty, and that would be spelled out in your Note. Only rarely does the Mortgage document (here it's a Deed of Trust) itself refer to a prepayment penalty, and it would spell out the terms of the penalty (like 5 years, 10 years, I don't think I've ever seen one longer than 10 years).