I can tell you as an actual lawyer myself that wholesaling is generally legal, and that under the US Constitution states have limited power to intrude into private contracts.

Since they need 2/3rds to change the constitution. 

Wet, with money or a note (or the equivalent by definition) which is accepted as consideration in RE settlements constitutes a funded transaction.

To presuppose that misinformation on an application is by way of the borrower without due investigation seems to universally not understand the origination process of a loan and is void of possibilities of 'clerical errors' which are not fraud, they are clerical errors.I can't imagine a judge denying anyone their constitutional rights.

The law carries heavy fines and constitutes felony charges that can include jail time.David's comments imply you take an approach to "help", that would be a big mistake.

Wearing a jacket with a certain logo that constitute "conflict of interest"?

Sending over an addendum MAY constitute a new contract.

The parameters of what constitutes like kind are much stricter but that would be a possibility.

My contracts constitute a bono fide installment sale according to Internal Revenue (IRS) guidelines.  

I value my constitutional rights higher than many and perhaps our views on the role government should play in our individual lives is just different.