My name appeared where I would have expected it to appear on a transaction I had actually joined.

On the final signature page, there was a signature that was supposed to be mine.

I had never signed it.

I did not know whether the document I held was a complete closing copy or one of several versions.

I did not know every rule that determined whether the lender had a valid claim against the property.

I knew my own hand.

I knew I had not sat down, reviewed these terms, and agreed to put our house behind another debt.