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hi im neil garfield of the garfield continuum and the author of the living lives blog at wwe i invite you to go there for a lot of free information forms and resources in connection with the mortgage crisis foreclosure defense and foreclosure offense todays segment is the assignment and assumption agreement something that some of you may never have heard of first i need to introduce the concept and context of what were talking about number one were talking about securitized loans number two were talking about residential mortgages number three were talking about the actual process the details of what happened in the securitization of the typical residential loan now these issues dont go to predatory loan practices per se but they have their own impact on the recording requirements of various documents the timing of those documents and they also have their own impact on the apr that is stated in the good faith estimate given to the borrower before closing now of course we all kno