In addition, you signed a Security Instrument, which made clear that you will be in default if you gave materially false, misleading, or inaccurate information to UM in connection with the Loan.It has come to our attention that you provided materially false information in the Uniform Residential Loan Application and are therefore in default of the Security Instrument.

That "believe in the program and yourself" is right out of "The Music Man" a musical about a con artist selling band instruments, he couldn't play any of them, so he told them, use the "think method", if you think you can then you can. 

(d) A lender may not exercise its option pursuant to a due-on-sale clause upon--, (1) the creation of a lien or other encumbrance subordinate to the lender's security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

I love music and use it a lot on some sites but am unsure as to how effective it is in getting the message across.

My dad had a master's degree in music, was a missionary to Europe, and is a real estate investor.

Where things get extremely tricky is whether or not this instrument is considered a security.

CERN along with the NCSA at the University of Illinois at Urbana-Champlaign (UIUC) were instrumental in getting the web launched.

The last recorded instrument is the Quit Claim from Wells Fargo.

(Road, cross country, and this odd one where they carry their bikes over obstacles)Art and music festivals every week, free concerts weekly in the summer, assort food festivals, several boutique brewers for a beer tour.Great shopping, no sales tax.Quilt festival that brings in over 30,000 visitors every year, Lots of interesting fund-raisers (one where they bring in 8 famous chefs and each chef cooks one course).A philharmonic orchestra.

Back on topic...I'm friends of many years with an economist who was instrumental in bringing "risk based pricing" (RBP) to the mortgage industry through his company, GHR Systems.