Sorry that happened to you. Your experience shows the importance of asking questions before legal documents are signed. Once a person signs a legal document, it is done with the understanding that the document was read and understood. This is especially important when refinancing a property as refinancing doesn't always carry the same consumer protection as the initial financing when actually purchasing the home. Also during 2005, there was lots of stuff going on within the secondary mortgage market that is slowly coming to light. My personal feelings are that the consumer was not well-protected during this time.
You mentioned the gentleman you called did the "digging". I was wondering if you have the documents that were given to you. You should have disclosure documents prior to the signing and the documents you actually signed. Maybe you could review these (perhaps with an attorney) to see if you were promised one thing and then given another. If so, you can register a complaint. I'd start with your senators and congressional representative.
Prudential Ambassador Real Estate