In the early 80's I was in the Navy living in Norfolk Virginia. I had bought a house when interest was 16%.
One day a man named Runnels knocked on my door and offered me a great deal to refinance. So I signed all his papers and we waited.
In a few months I was being foreclosed on. I was going to lose my house! Turns out Runnels was a fraud and a rip off. He had refinanced my house, but not paid off the old loan. They were coming after me for it.
I chased him down in his office. I tore his office apart. I beat him badly.
Look it up.... Google the key words "LandBank, William Runnells, scandal".
Several hundred folks lost their homes to him and his wife. Now he is out of jail and ripping folks off again with hyno stuff. BEWARE! I still owe him a broken nose.