[Enough Already]

Dazed,

Here are the questions Prof Shays would ask to determine the nature of your loan/s:

1. In what state is the home located?
2. For each loan on the property, identify the lender, the loan balance, and whether the loan was created at the time you purchased the home and the entire loan proceeds were used to buy the home.
3. Did you intend to occupy the home as either a primary or secondary residence at the time you bought it?
4. What is your estimate of the home's current fair market value?