The File I Opened Like a Medical Chart
I drove home in the dark with the blanket on the passenger seat.
When I got back, I pulled the mortgage file from my cabinet.
I read it slowly, like I was reviewing a chart for something serious.
Because it was serious.
Buried in dry language was something simple:
- My name was part of the bank’s risk calculation.
- If the relationship behind that guarantee broke down, the bank could act.
- They could require the borrowers to refinance without me or face the loan being called.
I wasn’t “just helping.”
I was the bedrock of the deal.
If the bedrock moved, the whole structure would shift.
On Monday, I checked into a small hotel an hour from home and made a call.
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