I live in Oakland, California where my wife and I purchased a home in 2005 near the peak of the housing bubble. Unknown to us at the time, our mortgage broker and/or lender had forged and backdated the loan application, and to cover up their misdeeds, failed to provide all the legally required disclosures prior to our signing of the mortgage documents.
Would you sign on the dotted line if you knew someone had forged and backdated your loan application? Hell no, and neither would we. It was not until 2011 that we learned of the flimflam perpetrated by those who claimed to be working in our best interests. Since then the story has taken interesting twists and turns, and this blog will tell the story and hopefully educate readers.