I predict that whatever is causing this clog came from either myself, my wife, or the BABY.

A note is a start, but you'll want a security instrument as well.

The aim is to avoid any backlog in the Sheriff’s office.Creates an online auction site for foreclosed properties.Modifies the appraisal and advertising process for subsequent sale attempts, while eliminating the 2/3rd minimum bid requirement on subsequent sale attempts.The OSBA Real Property Section and the Banking, Commercial & Bankruptcy Law committee were instrumental in crafting the bill and assisting with its passage.

It is hard to predict it but if you are trying, why not choose a city that has tons of jobs continuing to move there as well as a 50 year history of sustained growth.  

I certainly did not, and neither did the mortgage lender who  pre-qualified me.After closing on the HELOC  this week, I was reading through the docs last night and stumbled upon the Occupancy clause :"Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control"So I'm not sure what to do.  

You're in good shape with what he did.When I read your post I was thinking more of putting a security instrument on the house and getting a detailed outline of your agreement that it referenced.

Here's a good article from Harvard on How to Use Real Estate Trends To Predict The Next Bubble .  

The slight extra they are allowed to hold is to cover annual tax and insurance increases that they can't effectively predict and budget until that year's payments go out which is too late to collect them. 

@Rocky V.The OP is purchasing a mobile home not attached to land so a deed is not the instrument of transfer.

These are antiquated instruments and not favorably looked upon by the majority of the industry.