LASKER, District Judge.
Michael E. Ferris, Jr. and two of his family members have sued both the Federal Home Loan Mortgage Corporation ("Freddie Mac") and Marine Midland Mortgage (USA), Inc., the holder and servicer, respectively, of a mortgage which Ferris executed in connection with the purchase of a three unit house in Lawrence, Massachusetts. After a bench trial, I conclude that each of the plaintiffs' claims is without merit.
I.
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