Figures my loan is through CalHFA, aka govt...so fat chance of getting away with that tactic...they'd find a reason to rape me.
That said, I was not the one who paid the owner of my property for it, so it would simply not feel right to all of a sudden own it based on a technicality. I realize everyone would like to screw their bank etc., but there's an ethical barrier that would be broken if they take it to that level.
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