unless someone took your application/loan docs and purposely altered then withour your knowledge, then you are at fault for any transaction that occured... i do not give a pass to banks or originators for some shady practices but ultimately YOU and YOU alone sign the docs and its your job to be aware of what you are getting into...i dont feel bad for the woman with 4 kids who worked at the local grocery store who was supposedly "duped" by the bank into buying a 5/4 400K home...sorry i dont buy it...anyone at anytime could have gotten a lawyer to explain the loan docs to them if they didnt understand...