[scbrvt]

OK Poppy. I'm on this for Monday. Thanks for the plan of attack. Should I get all of these docs together for each of the loans, from when I first bought the house and each refinancing including the current, or just the current loan?

I was thinking about it last night, and I'm pretty certain that there were papers I signed on the first loan that I did not sign for subsequent refinances. These may have been forged by my broker to "expedite" the closing, as I work long, strange hours. Also, sometimes there was a notary, and sometimes not. The more I read about these option ARM's the more it all makes so much more sense now then it ever did before. It's funny how this happens to a lot of people- we just sign and let people make thse horrible decisions on our behalf, thinking that's just how it's done. Nobody takes the time to explain anything, and you feel like you don't even know the questions to ask and don't want to feel like a tool for asking "dumb" questions. I remember the transition from me being freaked out by spending $20, to just thinking of hundreds of thousands of dollars going in and out of my bank account as Monopoly money. Now my lost inheiritance seems like chump change compared to the wheelings and dealings of the past 10 years. It all seems so fake, and I guess it really is. Except now I have to account for it.
-Stephanie