Adam Levitin posted this awhile back, but it's a great issue to raise - now that we know banks are willing to pay for document fabrication so they can foreclose.
Do We Have a Fraud Problem? The Case of the Mysteriously Appearing Allonge
The shorter version is that bank paperwork is supposed to be processed and signed in a specific manner. The chaos and complexity of life has led to an accommodation called an allonge - basically another piece of paper affixed (stapled) to the primary document that provides additional, relevant information.
This is a very unusual procedure - since most times a document can be corrected electronically and re-issued for wet ink signatures on the spot. But if a document was jam packed with text and the process was strapped for time - they might create an allonge and staple it to the transfer documents.
Again, a safety valve for the weirdness of everyday life.
But now bankruptcy courts are seeing allonges falling like rain. And after discovering that their initial trust of the banking industry was seriously misplaced - they are beginning to wonder if these allonges are merely the newest attempt to fabricate proper documents where none previously existed.
(H/t naked capitalism)
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