I had a great idea. What do you think about this? How many - TopicsExpress

I had a great idea. What do you think about this? How many foreclosures could be avoided if the law required the same two or more people who sign the mortgage documents to also sign the promissory note that backs up the mortgage? Let me explain. Banks are foreclosing on mortgages signed by two people (usually husband and wife), but then requiring only one of them to sign the promissory note. Then when the one person passes away, the mortgage becomes "at high risk" because there is no person responsible for guaranteeing payment on the mortgage. Does this make sense? Or does this sound like a "loophole" being used by the banks to get the property back? If this is or has happened to you or someone you know, let me know about it. I would love to petition our government to change this from being a common excuse for foreclosing on good people.

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