@ #13, just a thought, it might help if you, in the beginning of the contract, define these terms and their relative derivatives. Like, it, its, the company's, their, theirs, etc. when referring to the creditor / lender.
For example, "the use of it, its, etc. shall refer to the financial institution, creditor, mortgage company, lender, etc. The use of you shall mean borrower, debtor, etc...."
It will give the contract some definition regarding pronouns and what they mean.