Following my Sunday story on adjustable-rate mortgages, we got talking in the newsroom about whether or not home buyers read the stacks of loan documents they sign.

I did, when I bought last spring. But only after the escrow officer told me that nobody reads all the documents, seeming to imply that I was wasting my time. She did, however, readily and thoroughly answer all my questions.

One of my reporter colleagues said she felt when buying a couple years ago that the escrow folks seemed taken aback when she insisted on sitting in a conference room with her documents and reading them.

Did you read every loan document associated with the purchase of your house? Any sympathy for those who don't and found out later about prepayment penalties or rates that adjust?