If I did question the appraisal would that have made a difference? My question is what were the quality of the loans in the loan pool they put us in and how many of those loans were too risky and failed? They created the bubble, caused the bubble to burst and it was intentional. We knew they would possible sell our “loan” off to a second lender but we did not know about the bundling of the loans. That was the biggest crime here. I would have never agreed to that, not for one minute. The credit default swap insurance they aquired is the proof they knew what they were doing was incredibly risky.

Jim, what about the bundling of too many UNSECURED bad loans with a fraction of good loans which caused all of the loans in that pool to fail. That is where the proof of intent to harm is. They hid that GIANT RISK and packaged those up and sold those as AAA rated. THE LIARS LOANS are also proof of intent to cause harm. The people did not approve their own loans. It was up to the bank to investigate. When I bought my house in 1992, it took 4 months to get a mortgage approved with A+ credit and $100,000 dollars down on a $290,000.00 home. When we re-fied in 2007 it took 2 weeks to get approved though we still fully qualified for the re-fi but I knew the house value appraisal was way to high and the comps they used did not even come close to our house..Not one house they comped with ours was valued anywhere near what our house appraised out at. What we did not know was they were doing a PONZI SCHEME with home “loans” but the average person could have never known this though there were warning signs we trusted too much and had no reason not to..There were no protections for consumers and the “lenders” used the weapon of gaining our trust to deceive us.

Give me any of the contract forms used by the banks that are approved by the Fed Res and Fannie Mae and I will point-out to anyone from the lowest one with 24 violations to Bank of Am’s with 31 violations of contract law…..

The constructive fraud element is where the had full and prior knowledge of this fraud when these contracts were drafted to be used by millions of loan originators [most of the lower levels did have a clue, just doing what they were told to do] but the really criminal part is when they get the consumer to agree to these terms [which many attorneys cannot decode] so you become a party to these crimes yourself???

Kinda like the credit card agreements which are totally “QUASI COMTRACTS” [meaning take it or leave it] and Congress allows the cc companies to continue to use these documents that are enudated with fraud and violations of contract law??

If the banking regulators [what a crook] the attorney generals, the banksters attorneys, the judges or any juror [if you are lucky enough to have requested one] cannot find anything wrong with these promissory or mortgage notes, then send them to me and I will hi-lite them at no fee……….lol

The 100 year old web of deceipt. theft and extortion has made the Rothschild Dynasty rich beyond any mathematical measures, as well as, all of the other crooks that have been and are now involved…

The Bible states that there will at a time so needed that it will be called the Day of Jubilee when all encroached and stolen lands will be returned to the rightful owners………..