Reply #11: No, but I did scan every page looking for key things

[Warpy]

like penalties for early repayment, something that would have had me walking to the door tout de suite, and provisions for doing anything at all to the interest rate over the life of the loan, same thing.

I didn't have enough money to pay a lawyer for anything but the title search. I did know some of the pitfalls to check out for and had they been there, I'd have closed my checkbook and walked. Lucky for me, the whole thing was routine. I expected the loan to be sold and was just surprised it was sold to a local S&L. I paid it early with no problems.

I was just lucky that I'd already scared the hell out of the mortgage company when they'd tried to sell me on an ARM, hard sell. It's always really nice to make people think you know more than you actually do. Had I bought my house later than 1996, I might have reconsidered the big down payment and paid for a lawyer. Things were starting to get pretty crooked by the time Stupid got into office.