Thanks, Ann. I appreciate your response. Though I've never asked the complaining borrower if he or she knew there might be more than one Final Hud1, I have found that to be the case, though, when comparing the lender's file, to the papers furnished to the borrower.
I used to investigate allegations of predatory lending, loan servicing irregularities, and untoward realty transactions for the MBA in DC.
Nothing surprises me.