This image is not from the actual mortgage itself, but rather from the record copy of the mortgage recorded in the Hancock County Recorder's Office. The holders of the note (the bank from whom my ancestors borrowed the money) retained the actual original signed copy of the mortgage.
Speaking from personal experience, I know the last name of Neill gets spelled a variety of ways and I understand spelling variations and errors. In the initial portion of the mortgage, where the mortgagors are named, these three are styled as "Charles O'Neil, Fannie O'Neil, and Nancy J. Rampley." I can easily understand how the name may have gotten spelled "O'Neil" in that initial part of the mortgage.
But it's not the original part of the mortgage that I'm wondering about. It's the part of the mortgage shown here--the part with the names in front of the "Seals." That's the part of the mortgage that the Neills and Nancy Rampley actually signed. Of course their signatures aren't reproduced exactly in this record copy of the mortgage as they were on the original--the clerk used his own handwriting. After all, it was 1905 when this mortgage was recorded and typed or handwritten copies were the norm.
But...
I've seen numerous documents signed by Charles and Fannie Neill--never once did they sign their name "O'Neil." Not on their marriage record, not when Charles testified in a pension case, not when Fannie signed court documents in 1907, etc. They wouldn't have signed their name with an "O."
Unless maybe they were told to because that's the way it had originally been put in the initial portion of the document.
Just something to think about.
And that's what we are supposed to do when we analyze the records we find-think about them. It's what makes our research better, causes us to notice things that others overlook, and helps us migrate from merely collecting data to allowing the data and records we find to tell us as much of the story of our ancestors as possible.
All from three signatures on a mortgage.
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Note: The Neills are my great-grandparents. Nancy Rampley is Fannie Neill's mother.