Most people were rushed through the process and have no idea what they have signed. I read transcripts where a judge kept asking, “is that your signature?” – made me want to take one of his orders and SnagIt with one of his signatures and swap it out on the note – and ask him the same question…”is that your signature, your honor?”
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In a typical day in Court, the “borrower” is asked by the lawyer for the “lender” whether THAT is his or her signature on the note and the mortgage. The initial response is yes. By admitting that signature you have validated the note and mortgage and that you signed it and that the foreclosing party has it. That is a lot of admitting based upon a single “yes” answer.
My question to you is whether you have answered truthfully. Do you really remember what you signed, what was written on the documents and exactly how you signed each document? In most cases it is years before. The homeowner answers “yes’ because he or she knows they went to a closing and signed a bunch of papers.
It frequently does not occur to either…
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