I bought my truck in July and financed through Ford for the $1000 off also. The loan papers clearly state there is no penalty for early payoff. I had to wait about 3 weeks for the payment book to arrive but the next day my wife took the title and rest of the paperwork to my CU for the refi. This ended up costing me one month of the extraordinary high interest rate from Ford (9% APR) which is about $250 on my note. I knew this going in but decided it was still worth the $750 actual I saved. My only drawback is I was home on vacation from Afghanistan (civilian contractor supporting the Army) and had to finalize the loan paperwork via e-mail.
And, my truck is sitting in my garage waiting for me to come home now
I figure it will be paid off and have really low miles next year.