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Assuming good faith, the borrower skims the paperwork at closing, and is screwed. If you're married, you may choose a joint-and-survivorship annuity which continues as long as either spouse lives. Congress doesn't like to give consumers any real strong consumer protections.
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As simple as this all sounds, there still might be those who are more comfortable with the idea of renting rather than owning their own home. This includes the $45,000 you originally borrowed. GSE regulator estimates that less than 30 percent of current portfolio holdings are "oriented toward affordable housing. The bank now preferred working with Egypt's bigger borrowers, some of whom used land as collateral for loans to diversify their own investments.
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We then filed with them a fraud report, and they have not taken the charges off the account. Your antagonistic attitude is not helping your company one bit. How do you get a credit card with no credit history.