You might think so, but women have lost their homes because their estranged husband got his mistress to forge a signature, then left the country. The lender takes the position that it must really have been the wife who signed, despite the signature. It is a nightmare to establish that you did not sign. Some people have found clear title vacation homes sold out from under them. By the time they realised that the property had been sold the "new owners" had already moved in. Some get lucky and have someone comment that they have seen an advertisement for the property being up for sale and take action before it gets sold.