Potential borrowers are pressured into including false information on loan applications or are asked to leave signature lines or other lines blank.
Did you sign many copies of document that appeared to be the same?

The lender or Mortgage broker alters information entered by the borrower on the loan application.  Was your loan application altered?

Excessive fees are financed into the loan.  Banks generally charge 1-2% of the loan amount in fees to originate the loan.  Predatory lenders often finance fees around 8% into a loan.
Where your closing fees excessive?

Borrowers pay interest rates which are higher than their credit warrants.

Loans are made based on equity without regard to borrower’s ability to pay.
Did your loan get approved for more that it should have?

A loan has prepayment penalties.  These penalties negatively affect a borrower’s ability to pay off a loan early and can impact the ability to refinance.
Do you have a 2 or 4 year Prepayment penalty and where you give option not to have this?

Loans are made for considerably more than the property is worth.  Refinancing is generally not possible if a borrower owes more than the property is worth.
Do you question the value of the appraisal at time of purchased?

Balloon payments make sense for some borrowers but can be extremely harmful to others.  Balloon payment mortgages require borrowers to pay off the entire loan balance in one large (balloon) payment after some number of regular payments.  Borrowers must often refinance to make the balloon payment. 
Do you have a hidden balloon payment?

Borrowers are sold loans with negative amortization, wherein the regular payment does not cover the principal and interest on the loan.  Despite making regular payments, the loan balance increases.
Where you offered 3 different payment, and did you understand what this means?

Loan flipping occurs when lenders encourage or pressure borrowers into frequent refinancing.  Benefits are often not sufficient to cover the fees charged for each refinance. Did your mortgage broker or Lender encourage you to refinance over and over?

Lenders place pre-dispute mandatory binding arbitration clauses in loan contracts.  These clauses limit the borrower’s access to injunctive relief for abuses and borrowers can be required to pay arbitration costs and travel long distances.
Can you resolve your loan issue in a local court?