You may have a
predatory lending case there. Many times they use switch and bait practices like the prepayment penalty. The grossly over stated income is also quite common. Many times they just slip it in the docs at signing and the notary flies through them or it was forged.
Paul J. Molinaro with Fransen & Molinaro has just joined the forum and he will address this tomorrow on this website. Both he and Nathan Fransen will be offering free legal advice now and then to assist people. So please stay tuned.