Read the following article about what Paul and I have always warned our clients about...Predatory lending.  The two of us were trained by one of the countries leading experts when we took our Residential Finance Specialist designation course in 2003.  Our instructor warned us that predatory lending was getting worse and she pointed out the warning signs to look for.  We have since always looked for these signs and have seen lots of them and have warned our clients when to find another lender.  So read the article it may open your eyes too.  http://www.msnbc.msn.com/id/17929461/