The contents of the loan documents for the most part protect the lender's rights. There is usually very little protection for the borrower. That would seem to be a motivation for borrowers to seek legal advice in order to understand their obligations under the note and mortgage as well as supporting documents. It would seem that illegal or unenforceable provisions favoring the lender's rights would not be much of a problem for the borrower since his rights are not at risk. I would think that the same would be true for contradictory and nonsensical provisions since the loan documents would be construed most harshly by the court against the lender as the drafter of the documents.