Are you serious, not joking....that attorney should be hung by his toes but unfortunately, I hear those comments all the time here.  What if the fine print had an adjustable rate clause or some sort of prepayment penalty?  Loan Officers use it as well as the the Realtors but it goes something like this "You pay you stay, you don't - you don't".  Then they turn and look at me like I am wasting everyones time by going slow and taking the time to show the borrower the documents one at a time.