I won't go on, I just don't like unethical people, rich or poor and the size of some business is no excuse as far as I'm concerned.I have mentioned before on BP that I did loans for most of our FBI agents in this area and I was rather instrumental in chasing some "registered lenders" out of town and charges against others.

@Terry SargentA deed is an instrument used to make the transfer of ownership.

@Cameron Riley I noticed you didn’t mention mastermind groups which were, by far, the most instrumental for my business to be where it is.

According to Chapter Four: "At least one borrower must occupy the property and sign the security instrument and the mortgage note in order for the property to be considered owner-occupied."

@Bill McCafferty I believe you were instrumental in the writing of this book.  

And BP has been instrumental in my early successes also.

He has saved us a ton of money and has been instrumental as we have grown our business.  

Something might say "Quitclaim Deed" at the top of the instrument, but contain words of warranty down in the body, using language nobody understands or pays attention to. 

In the abstract of title there were no mortgages found.It was my understanding that title can transfer outside a closing table as long as the deed is a written instrument, has a legally competent grantor, the grantee is identifiable and alive, there is a recital of consideration, there is a granting and habendum clause, the deed has a legal description of the property, there is a valid grantor signature, it is notarized ( for recording purposes ), and there is delivery and acceptance.If the deed was legally valid, could the transaction with Mary and Mike take place? 

So she ended up begging me for money back and since the market was hot I let it go minus the aps. fee obviously, and in return she filled me in on the details, and i also called BOA and what do you know you have to wait months to stop a payment on a Bank Certified Instrument.