If you think you can stay at the job for three years, consider taking out a loan instead. You'll avoid the penalties, and the lost earnings will be minimal. My husband and I are about to invest with a broker who sells and recommends Alliance Funds and Putnam Funds. I hope you'll keep a bit aside in bonds or money market funds if you need it that soon. More troubling is the B share question.
B shares charge no upfront sales charge, or load.
Your broker will collect his commission from the fund company. But you'll repay the fund company over the years with 12b-1 fees. Here's what worries me. Most B shares will charge you a redemption fee if you redeem before you've repaid your broker's commission. Redemption fees on the Alliance funds stop after the third year.