BOUDIN, Chief Judge.
On August 17, 2001, Christine Lazarus and her sister purchased real property in Springfield, Massachusetts—Lazarus' residence—as joint tenants, taking out a loan secured by a mortgage from Washington Mutual. In a refinancing on June 22, 2004, both sisters executed a promissory note, and a mortgage on the property to secure the note, in favor of Greater Atlantic Mortgage Corporation ("GAMC").
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