Agreed... when a borrower signs paperwork & disclosures it full explains what the mortgage is for & what happens in default... it's called a NOTE and DEED OF TRUST. In a MAJORITY of cases it is not the mortgage lender's fault that a borrower cannot pay on the loan they made a financial decision to obtain. The people at that service center are all highly talented; unfortunately are now a statistic of the laid off americans. Any layoff and closing is unfortunate... Prayers to all.