The whole loan process is fruadulent.  The bank cannot 'loan' any of it's depositors money so where does the money come from?  Read the Credit River Decision.  The Bank in collusion with the Fed creates money from thin air upon the borrowers signature.  The promissory note is a big fat check-and gets cashed but your account doesn't get credited.  Read your mortgage trust deed.  'For a loan i have recieved'  what the hell is that?  shouldn't it read for the $250K the bank has advanced on my behalf I will RE-PAY $250K+interest?  No it doesn't say the bank gave you any money and you are not re-paying you are paying. Karen Tappert lays it out cold.  Fire Trustee