Banks and mortgages companies are no long subject to the rule of law. They make their own up as they go along. You tell me any persons or company that can commit perjury, forgery and fraud on the court on the scale that the banks and mortgage companies have and someone or someones not be in jail or at least indicted?
Congress and the Democrat party come to mind. Even the Republicans give it a good go from time to time.
Years ago I remortgaged my house, and the company holding the initial mortgage refused to give me my payoff amount unless I went into their office personally to get it. (1500 miles away). Nothing about it in the contract of course, the woman handling it just didn't want to give up the mortgage. I've no doubt they intended to do something else sleezy and try to steal my house from under me.
I had made it with a reputable bank but - wait for it - they sold it to a creepy outfit. Took a lot of finagling but I out finagled them. But no doubt I was lucky.
Obamas regime and congress