but I've actually done some digging and determined that if you perform even a remotely
passable administrative process you can essentially get anything you need from the bank.
I neglect to address these banks / mortgage companies as lenders as my research has
determined what they actually do is an exchange. In this exchange scenario the bank takes
absolutely ZERO risk, without risk there is no consideration, and without consideration there
is no contract. A contract is not created when it is made, a contract is created when it's paid.
Thus banks cannot make any contract for consideration. They take a promissory note made
payable to you and either cash it or sell it, in return you get the home, BUT they charge you
interest over the course of 20-30 years. An example of this process is just like your calling me and saying "Hey
Keith, I need to borrow $10,000...So I say "Great I can do that what
kind of collateral do you have. You say  " Well I've got a diamond ring it's worth $10,000.
You give me the ring, I sell it, put the money in my checking account then write you a
check for $10,000 along with a contract that says your going to pay me
back $10,000 with interest for the next 20 years. What we just did was
an exchange, I didn't loan you anything. That's what you did with the
mortgage you signed. Wake up folks !! If you want to get to the bottom of "If anything was actually lent
to you at all" write me at [email protected]...