What you do not know will harm you beyond your wildest imagination. How fully informed must you be when falling behind on your promissory note repayment to a mortgage servicer? What did you really sign at the residential closing table? Did the documents represent a contract or covenant? Why did the bank not sign the closing documents? Did you really get a loan or did something else happen at the closing table? Last but not least, do people really care if a form of collateral was stripped from them at the closing table? We are the House jacking research consortium, and we have answers and remedy, if you fear not.