If one party won't sign the title company files and interpleader with the courts and it can take over a year to get EM back.. and the offending party is not punished in any way...

I have also seen punishments handed out for damaging Rent houses.

Why not make the punishment harsh for those that break the law or are blatantly unethical?

Mortgage fraud is a serious crime, and one punished by significant penalties.

A violation of subsection (1) constitutes a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.History.

It's probably unlikely you get punished for it, but it is illegal.http://www.law.cornell.edu/uscode/text/18/1725

Bylaw tells the correct behavior, but no statements on punishment.  

The CFPB (Consumer Financial Protection Bureau) came way too late to the, “let’s punish the mortgage industry party.”

if she intends to f with you to punish her ex....roll out, if she feels the price is unreasonable, determine the point to which its worthwhile, see if you can get it for that price or less, if not roll out.

(he may have had others but those were the three he presented me with) Again, if it’s better to borrow over long term, then why would you hurt your own cause by borrowing on a fifteen loan, punishing yourself with and higher payments?