vkg: "Why would you not record the loan?"I do not know wrjohnston91283, and cannot speak for him, and do not want to cast aspersions, but to me the two most obvious reasons are (1) the first lender does not know about the loan or (2) the first mortgage/deed of trust prohibits subordinate liens and recording would trigger a default.Just my $0.02 (and not directed at the OP).Regards, JAFO
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