2015

How to Get the Benefits of a

Securitization Audit FREE

Securitization Audits, 1000's

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Securitization Audits, 1000's

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Securitization Audits, 1000's

Bob Hurt
MortgageAttack.com
4/1/2015

How to Get the Benefits of a Securitization Audit FREE

Benefits? WHAT Benefits? Learn below why the audit is a complete waste of resources.
Copyright 1 April 2014 by Bob Hurt. All rights reserved. http://MortgageAttack.com

TECHNICAL ALERT: I, the author, am not an attorney or practitioner, and I do

not seek in this article to solve any specific problem for any specific person. I
provide this information for academic and discussion purposes. Consultant a
COMPETENT attorney on all questions of law. To ensure competence, demand
and verify a winning record in similar cases before you trust his battle scheme.

Background: Why I Write this Article

Hundreds of people have called me personally or written to me about their
mortgage problems since 2009. I would say thousands, but I have lost count.
That year I started giving people FREE information about what works and what
does not win mortgage disputes against creditors and their agents and associates.
The majority of those callers had already blown hundreds to thousands of dollars
on a Securitization Audit or flimsy Loan Audit which did not have enough
value to buy the powder to blow them to hell. Many mortgagors had blown
thousands to pay a foreclosure pretense defense attorney for the privilege of
dragging out the foreclosure. Most of those lost the home in a foreclosure
auction. Many who did loan mods went into foreclosure again and either lost the
home or soon will.
Every one of those people bought a service from a clueless Kool-Aid Drinker or
an out-and-out scammer (charlatan, cheat, con artist). Even those attorneys who
promised Well keep you in the house as long as we can committed legal
malpractice if they failed to examine the mortgage transaction comprehensively
for evidence of fraud and other torts, contract breaches, regulation breaches, and
legal errors.
I write this commentary not just to give all those snakes-in-the-grass the literary
black eye that they deserve, but also to give the reader something FREE that bozo
scammers charge hundreds or thousands for.
I shall tell you, in short order, how to find out who owns your note and why the
chain of ownership of the note has no relevance to foreclosure courts.
Securitization audit scammers tell their desperate, clueless foreclosure victim
prospects that they will research the chain of title and find out who owns the
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note and what shenanigans happened during transfers of note ownership. They
will suggest that the chain of title to the note really matters in a foreclosure
dispute. In reality, as demonstrated by myriad foreclosure sales, it does not
matter at all to the foreclosure judge or trustee. Those scammers will talk about
their certification, credentials, and the crookedness of securitization, putting the
note into the trust after the closing date specified in the pooling and servicing
agreement (PSA), REMIC violations, Bloomberg terminals for researching
Securities and Exchange Commission information, etc. And they will show you a
wad of useless affidavits, and claim to have functioned as expert witnesses. They
will not tell you their affidavits and testimony have no notable effect on
foreclosure decisions.

Judges and Lawyers Declare the Securitization Audit CROOKED

I shall prove to you right now that those securitization audit scammers and the
charlatan attorneys who con you into paying for such audits are liars and con
artists for suggesting such audits have an iota of value.
See, Demilio v. Citizens Home Loans, Inc. (M.D. Ga., 2013) (Frankly, the
Court is astonished byPlaintiff's attempt to incorporate such an audit, which is
more than likely the product of "charlatans who prey upon people in
economically dire situation.)
In other words, after reading this, you show yourself a fool if you ever fall for
their suggestions that you need the audit to terminate a foreclosure permanently.
You do not have to take my word for it. Look at what two attorneys say about
securitization audits:

Most securitization audits that I have reviewed are inadmissible in a court of

law; they contain a mere opinion of a layman without personal knowledge (direct
experience) as to what happened with a particular mortgage note after closing.
Why pay a securitization auditor when you can have your grandmother provide
an opinion as to what happened with the note and have her sign an audit
report? In reality, in about 95% of all cases, the information supplied by a
securitization audit is either already publically available, or it is unavailable to
either the homeowner or the auditor. Thus, where a homeowner genuinely lacks
this information, an outsiders opinion (in contrast to the banks admission) is
unlikely to help.

Gregory Bryl, Foreclosure Defense Attorney, Virginia and

Florida.

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http://www.veteranstoday.com/2012/03/27/beware-of-the-latestforeclosure-rescue-scam-securitization-audits/

Mortgage Loan Securitization Audits ARE A CRIME! THAT INFORMATION

IS USELESS IF IT IS NOT ADMISSABLE IN COURT! So I issue the challenge
once again.WILL ANY SO CALLED SECURITIZATION EXPERT PLEASE
STAND UP? PLEASE, SHARE WITH ME ADMISSABLE EVIDENCE OF
SUCCESS IN ANY FORECLOSURE OR BANKRUPTCY CASE!

Matthew Weidner, Foreclosure Defense Attorney, Florida.

http://mattweidnerlaw.com/mortgage-securitization-audits-they-are-acrime/

Why A Borrower Defaulting a Valid Loan Cannot Beat Foreclosure

Before I tell you how to get the benefit of a securitization audit FREE, and how to
get the name of the note owner, let us examine some essential facts. To get to
those facts, please answer these questions, assuming you have become a
mortgagor (borrower):
1. Did you borrow money to purchase, refinance, or get a line of credit on a
home?
2. Did you sign a note in which you agreed that you had received a loan?
3. Did you sign a security instrument (Deed of Trust DOT, or Mortgage) in
which you asserted having seisin (possession) and having transferred the
estate to the lender for purpose of a mortgage or deed of trust?
4. Did the lender assign a servicer to service your account (take payments
manage, escrow, distribute proceeds, answer your questions regarding
servicing the loan)?
5. Did you make any timely payments to the servicer?
Foreclosure Deals with Breach of Contract
If you answered yes to those questions, then you know you have a contractual
relationship with the lender, in which various other entities played a role (realtor,
appraiser, mortgage broker, Title Company, attorney, etc.).
Moreover, you know that if either you or the others breach the contract, then that
entitles you or the lender to take legal action. You know that in a judicial
foreclosure state the lender may sue you and take the house in a foreclosure sale
if you breached the contract. You know that in non-judicial foreclosure state, the
lender may get the trustee to foreclose.

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The lender needs to fulfill certain conditions, listed in 22 of your loan security
instrument, prior to such action, such as notify you that you breached the note,
accelerate the note to make the balance due and payable now, and then take the
matter to the trustee or sue you to get that money or the house.
You Lose the House if You Breached the Note
You SHOULD know that if the lender or his agents or associates engaged in some
crooked behavior that invalidated the note or the loan transaction, that will give
you reason to sue.
If the lender sues you for a breach and wins, the lender gets your house, or money
from its sale, because the lender has a security instrument.
Unlike the lender, you do not have a security instrument that lets you go to the
court or trustee to order the lender or his agent or associate to give up his house
in some kind of foreclosure sale. So how do you deal with injuries you suffered in
the loan process? And how do you find out who owns the note?
Why Not Ask the Servicer and Complain to the CFPB?
You should know that if you want to learn who owns the note, you do not need a
securitization audit because you can just ask the servicer. And that remains true if
you want some error in your loan corrected.
You might know, though many do not, that the US Government has established
the Consumer Financial Protection Bureau (CFPB) to resolve disputes between
borrowers and lenders and their servicers. You can file a complaint at the
following web site:
CFPB Complaint - http://www.consumerfinance.gov/

Why You Have No Standing in PSA or Note Assignment Disputes

But wait a minute. Surely you must wonder whether robo-signing, notary
falsification of note assignments, assignment to a securitization trust after the
closing date specified in the Pooling and Servicing Agreement (PSA), violations of
Real Estate Mortgage Investment Conduit (REMIC) rules, and other
securitization and assignment issues have any bearing on foreclosure, and
whether you can use related arguments to beat foreclosure. You might actually
believe a securitization audit can shine some light on these concerns.
Let us answer another set of questions to get to the truth:

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6. Did you become a party to, become injured by, or become a third party
beneficiary of:
a. The PSA for a trust that owns your note?
b. Any assignment of your note to another creditor (owner of beneficial
interest in the note)?
If you answered NO to both a and b above, then you know that neither the
assignment nor the PSA have any effect on you whatsoever. Surely you know
they do not affect whether or not you have breached your note or owe a mortgage
loan debt. So, therefore, you know (do you not?) that you have no standing to
dispute or enforce the PSA or any assignment of the note in court. That means
robo-signing of the note (one of those ridiculous things securitization auditors
tell you they will find for you) has become irrelevant to you and to any court.
See, Javaheri v. JPMorgan Chase Bank N.A., 2012 WL 3426278 at *6 (C.D.
Cal. Aug. 13, 2012). ("Plaintiffs here do not dispute that they defaulted on the
loan payments, and the robo-signing allegations are without effect on the validity
of the foreclosure process.)

About Blank Indorsements of the Note

Furthermore, according to the Uniform Commercial Code (UCC), if a creditor
indorses the note in blank instead of naming an assignee, the note becomes
bearer paper. See, UCC 3-205 https://www.law.cornell.edu/ucc/3/3-205.
3-205. SPECIAL INDORSEMENT; BLANK INDORSEMENT; ANOMALOUS
INDORSEMENT.
(a) If an indorsement is made by the holder of an instrument, whether payable to
an identified person or payable to bearer, and the indorsement identifies a person
to whom it makes the instrument payable, it is a "special indorsement." When
specially indorsed, an instrument becomes payable to the identified person and
may be negotiated only by the indorsement of that person. The principles stated in
Section 3-110 apply to special indorsements.
(b) If an indorsement is made by the holder of an instrument and it is not a special
indorsement, it is a "blank indorsement." When indorsed in blank, an instrument
becomes payable to bearer and may be negotiated by transfer of possession alone
until specially indorsed.
(c) The holder may convert a blank indorsement that consists only of a signature
into a special indorsement by writing, above the signature of the indorser, words
identifying the person to whom the instrument is made payable.

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(d) "Anomalous indorsement" means an indorsement made by a person who is

not the holder of the instrument. An anomalous indorsement does not affect the
manner in which the instrument may be negotiated.

An enormous number of notes bear blank indorsements. That makes it easy to

hand them off without cumbersome paper trails. Thus, whoever holds the note
can enforce it, whether or not the holder owns beneficial interest in it. So, try
answering this question:
7. If the most recent indorser of your note indorsed your note in blank, why
would you care who owns it?
I suppose you realize that you should not care because the note holder, regardless
of identity, will foreclose and take the house if you breach the note.

Who May Enforce the Note, Even if Lost, Stolen, or Destroyed

The UCC defines the PETE Person Entitled to Enforce the note. See, UCC
3-301 https://www.law.cornell.edu/ucc/3/3-301.
3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT.
"Person entitled to enforce" an instrument means (i) the holder of the
instrument, (ii) a nonholder in possession of the instrument who has the rights of a
holder, or (iii) a person not in possession of the instrument who is entitled to
enforce the instrument pursuant to Section 3-309 or 3-418(d). A person may be a
person entitled to enforce the instrument even though the person is not the owner
of the instrument or is in wrongful possession of the instrument.

In the event the note becomes lost, destroyed, or stolen, the PETE can enforce the
note anyway. See, UCC 3-309 https://www.law.cornell.edu/ucc/3/3-309.
3-309. ENFORCEMENT OF LOST, DESTROYED, OR STOLEN
INSTRUMENT.
(a) A person not in possession of an instrument is entitled to enforce the
instrument if:

(1) the person seeking to enforce the instrument

(A) was entitled to enforce it the instrument when loss of possession
occurred, or

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(B) has directly or indirectly acquired ownership of the instrument from a

person who was entitled to enforce the instrument when loss of possession
occurred;
(2) the loss of possession was not the result of a transfer by the person or a
lawful seizure; and
(3) the person cannot reasonably obtain possession of the instrument
because the instrument was destroyed, its whereabouts cannot be
determined, or it is in the wrongful possession of an unknown person or a
person that cannot be found or is not amenable to service of process.
(b) A person seeking enforcement of an instrument under subsection (a)
must prove the terms of the instrument and the person's right to enforce the
instrument. If that proof is made, Section 3-308applies to the case as if the person
seeking enforcement had produced the instrument. The court may not enter
judgment in favor of the person seeking enforcement unless it finds that the person
required to pay the instrument is adequately protected against loss that might
occur by reason of a claim by another person to enforce the instrument. Adequate
protection may be provided by any reasonable means.

In view of these laws, the Trustees and Courts do not require the PETE to present
the original note in order to foreclose. Some states, like Florida, which require the
original and will not admit into evidence a copy of a negotiable instrument,
provide a law allowing a creditor to reestablish a lost, stolen, or destroyed
instrument, and thereby effectively to create a new, legal original. See Florida
Statutes, Chapter 71, http://goo.gl/hrB9bY.
So, answer these questions:
8. Can a creditor foreclose a lost, stolen, or destroyed note on which you
defaulted?
9. Can a PETE who does not have creditor status foreclose a note in default?
I hope you answered YES to those two questions. If so, you have by now begun to
realize that only two questions have salient importance in your mortgage:
10. Did you breach the note?
11. Does the note lack validity?
If you answer yes to the first question, then you know that the PETE can enforce
the note by foreclosing and forcing a sale of the collateral property your house.

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The ONLY Reliable Basis for Battling the Creditor and Associates
If you answered yes to the second question, then you might have an opportunity
to undo the foreclosure and wind up with the house free and clear, or with a loan
modified to your advantage, or setoffs from your debt, or compensatory and
punitive damages awards. You may sue for injuries that made the note invalid,
whether or not you face foreclosure.
You may NOT sue until you have complied with 20 of your loan security
instrument, which provides the following delightful text:
Neither Borrower nor Lender may commence, join, or be joined to
any judicial action (as either an individual litigant or the member
of a class) that arises from the other partys actions pursuant to
this Security Instrument or that alleges that the other party has
breached any provision of, or any duty owed by reason of, this
Security Instrument, until such Borrower or Lender has notified
the other party (with such notice given in compliance with the
requirements of Section 15) of such alleged breach and afforded
the other party hereto a reasonable period after the giving of such
notice to take corrective action. If Applicable Law provides a time
period which must elapse before certain action can be taken, that
time period will be deemed to be reasonable for purposes of this
paragraph. The notice of acceleration and opportunity to cure
given to Borrower pursuant to Section 22 and the notice of
acceleration given to Borrower pursuant to Section 18 shall be
deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
You can find applicable law (RESPA Real Estate Settlement Procedures Act
12 U.S.C. 2601 et seq.) and Regulations (Regulation X 12 C.F.R. 1024 et seq.) at
the below web sites, but take note that I have provided links to the latest at this
point in time, and you might need to refer to earlier years based on your
situation:
Law 12 U.S.C. 2601 et seq.
o Current - http://www.gpo.gov/fdsys/pkg/USCODE-2013title12/html/USCODE-2013-title12-chap27.htm

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o Specifically 12 U.S.C. 2605 http://www.gpo.gov/fdsys/pkg/USCODE-2013title12/html/USCODE-2013-title12-chap27-sec2605.htm

o Select a year http://www.gpo.gov/fdsys/browse/collectionUScode.action?collecti
onCode=USCODE
Regulations - 12 C.F.R. 1024 et seq.
o Current - http://www.ecfr.gov/cgi-bin/textidx?c=ecfr&tpl=/ecfrbrowse/Title12/12cfr1024_main_02.tpl
o Specifically - 12 C.F.R. 1024.35 - http://www.ecfr.gov/cgi-bin/textidx?SID=c62bd07809310011072f3050b166de7e&mc=true&node=s
e12.8.1024_135&rgn=div8
Take note of (carefully read) 12 U.S.C. 2605 and 12 C.F.R. 1024.35 at the above
links, for these tell you the duties of the servicer to notify you of changes of the
servicer, and explain what questions the servicer must answer for you, what
questions the servicer may ignore, and what corrective actions the servicer must
take.
So, you see, if you know the note lacks validity in some respect because the
lender, servicer, title company, mortgage broker, appraiser, realtor, or some
attorney or other third party injured you at the inception of the loan, you can ask
for a settlement from, or sue the injurious party. You start by bringing the
injuries to the attention of the servicer.
Now you face a gnawing question that you absolutely must answer:
12. How do you find out whether the note lacks validity?

Why Mortgage Borrowers Need a Professional Mortgage Examination

Obviously, YOU should examine all the documents related to your loan
transaction for evidence of fraud, regulatory breaches, contract breaches, legal
errors, and flim-flams. You might find all kinds of causes of action (reasons to
sue) that entitle you to challenge the validity of the loan in court and get the court
to compensate you for your injuries.
To examine your loan transaction and related issues comprehensively and
comprehensively, you will need a good working knowledge of tort law, contract
law, mortgage finance law, real estate law, criminal law, bankruptcy law,
foreclosure law, consumer credit law, and federal and state regulations law
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dealing with mortgages, lending, disclosures, credit reporting, debt collection,

equal opportunity, etc.
That brings us to the toughest question of all:
13. Do you have the requisite knowledge and skill to perform a comprehensive,
professional examination of your loan transaction and any related court
actions?
Frankly, I guess most home loan borrowers do not have a clue how to do that. So
naturally, you will want an answer to this question:
14. Who has such competence and experience to perform a comprehensive
mortgage loan transaction examination?
This article focuses on an entirely different issue. It deals with why you do not
need a securitization audit and how to get the putative benefits of such an audit
FREE. So, I shall address the answer to the above question briefly at the end of
the article.
But, I do guarantee you right now that NO securitization auditor or so-called
forensic loan auditor, and only the rarest of attorneys, has the remotest capability
of doing such an examination correctly without wasting your money.

How to Discover Who Owns Your Mortgage Note: Ask the Servicer
So let us get on with this final question:
15. How do I find out who owns the note?
How to Avoid Paying the Wrong Party
Most people worry about who owns the note because they do not want to pay the
wrong person and then face an accusation of breaching the note through nonpayment. Some simply want to mount a challenge against foreclosure, thinking
that if the wrong person forecloses, that will justify asking the court to dismiss
the case or stop the foreclosure.
Suppose you do not know who owns the note and you fear that the wrong person
will receive your mortgage payments. That could open you to an accusation by
the real creditor that you breached the note through non-payment. The courts
provide a means for ensuring that your payment goes to the right party: the
Interpleader Action.

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Your loan security instrument identifies whom to pay. If you ever doubt whom to
pay, you can file the interpleader action to remove doubt and comply with the
terms of your loan. The court will assign someone to take your money and pay it
to the correct party.
Federal Law Helps You Find the Owner of the Note
As to how to find out who owns the note, federal law requires the creditor and
servicer to notify you of any change in creditor or servicer timely so you do not
pay the wrong party. Read the law for yourself, here:
http://www.gpo.gov/fdsys/pkg/USCODE-2013-title15/html/USCODE2013-title15-chap41-subchapI-partB.htm
See, 15 U.S.C. 1641(f)

(f) Treatment of servicer

(1) In general
A servicer of a consumer obligation arising from a consumer credit
transaction shall not be treated as an assignee of such obligation for purposes
of this section unless the servicer is or was the owner of the obligation.
(2) Servicer not treated as owner on basis of assignment for administrative
convenience
A servicer of a consumer obligation arising from a consumer credit
transaction shall not be treated as the owner of the obligation for purposes of
this section on the basis of an assignment of the obligation from the creditor
or another assignee to the servicer solely for the administrative convenience
of the servicer in servicing the obligation. Upon written request by the
obligor, the servicer shall provide the obligor, to the best knowledge of the
servicer, with the name, address, and telephone number of the owner of the
obligation or the master servicer of the obligation.
Federal law also requires the servicer and creditor to notify the borrower of any
change in the servicer or creditor.
See, 15 U.S.C. 1641(g)

(g) Notice of new creditor

(1) In general
In addition to other disclosures required by this subchapter, not later than
30 days after the date on which a mortgage loan is sold or otherwise
transferred or assigned to a third party, the creditor that is the new owner or
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assignee of the debt shall notify the borrower in writing of such transfer,
including
(A) the identity, address, telephone number of the new creditor;
(B) the date of transfer;
(C) how to reach an agent or party having authority to act on behalf of
the new creditor;
(D) the location of the place where transfer of ownership of the debt is
recorded; and
(E) any other relevant information regarding the new creditor.
(2) Definition
As used in this subsection, the term "mortgage loan" means any consumer
credit transaction that is secured by the principal dwelling of a consumer.
Thus, the borrower should always have timely notice in order to pay the right
party and to know whether the right party has made any effort to foreclose a
defaulted loan.
If in doubt the borrower need only call or write to ask the servicer. The servicer
must give the borrower the identity and contact information for the creditor, and
the details regarding escrow for insurance and property tax, and other
information regarding servicing the loan.
Get Help from the Consumer Financial Protection Bureau
If the servicer plays dumb or either the servicer or creditor fail to inform the
borrower, then the borrower may seek enforcement assistance from the CFPB.
As I mentioned above, you can file a complaint via the web site:
CFPB Complaint - http://www.consumerfinance.gov/
Sue the Creditor and/or Servicer
As to punishing servicer recalcitrance, federal law provides borrowers with a
private right of action against the creditor and/or servicer as appropriate. The
court can order the defendants to pay the borrower up to $4000, plus any actual
damage, plus legal fees and costs of the action. The court can force the
defendants to give the proper information to the borrower.
See, 15 U.S.C. 1640(a)

1640. Civil liability

(a) Individual or class action for damages; amount of award; factors
determining amount of award
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Except as otherwise provided in this section, any creditor who fails to

comply with any requirement imposed under this part, including any
requirement under section 1635 of this title, subsection (f) or (g) of section
1641 of this title, or part D or E of this subchapter with respect to any person is
liable to such person in an amount equal to the sum of
(1) any actual damage sustained by such person as a result of the failure;
(2)(A)(i) in the case of an individual action twice the amount of any
finance charge in connection with the transaction, (ii) in the case of an
individual action relating to a consumer lease under part E of this subchapter,
25 per centum of the total amount of monthly payments under the lease,
except that the liability under this subparagraph shall not be less than $200
nor greater than $2,000, (iii) in the case of an individual action relating to an
open end consumer credit plan that is not secured by real property or a
dwelling, twice the amount of any finance charge in connection with the
transaction, with a minimum of $500 and a maximum of $5,000, or such
higher amount as may be appropriate in the case of an established pattern or
practice of such failures; 1 or (iv) in the case of an individual action relating
to a credit transaction not under an open end credit plan that is secured by
real property or a dwelling, not less than $400 or greater than $4,000; or
(B) in the case of a class action, such amount as the court may allow,
except that as to each member of the class no minimum recovery shall be
applicable, and the total recovery under this subparagraph in any class action
or series of class actions arising out of the same failure to comply by the
same creditor shall not be more than the lesser of $1,000,000 or 1 per centum
of the net worth of the creditor;
(3) in the case of any successful action to enforce the foregoing liability or
in any action in which a person is determined to have a right of rescission
under section 1635 or 1638(e)(7) of this title, the costs of the action, together
with a reasonable attorney's fee as determined by the court; and
(4) in the case of a failure to comply with any requirement under section
1639 of this title, paragraph (1) or (2) of section 1639b(c) of this title, or
section 1639c(a) of this title, an amount equal to the sum of all finance
charges and fees paid by the consumer, unless the creditor demonstrates that
the failure to comply is not material
Please read the full Civil Liability law at the below link. I have only provided the
part important to this discussion.
http://www.gpo.gov/fdsys/pkg/USCODE-2013-title15/html/USCODE2013-title15-chap41-subchapI-partB.htm
The SEC Web Site
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You can satisfy your curiosity about the PSA and other documents related to your
loan, such as the banks 424(b)(5) prospectus form filing. You need only dig
around in Edgar at the Securities and Exchange Commissions web site here:
http://www.sec.gov/edgar.shtml
You can find the regulations requiring such filings in 17 C.F.R. 230.424
http://www.ecfr.gov/cgi-bin/textidx?SID=57184594b5d369711682228bbd070274&mc=true&node=pt17.3.2
30&rgn=div5#se17.3.230_1424

Thus, You Need NO Securitization Audit to Receive its Alleged Benefits

As you can see, I have just saved you the cost of a securitization audit. I have
given you the main benefit of it, knowledge of how to discover the identity of the
creditor, the person who owns beneficial interest in the note, and I have shown
your entitlement to get the court to award damages to you for a failure to give
that information. And I gave you all that ABSOLUTELY FREE.
Now you know also that you do not need to pay some scalawag huckster of a
securitization auditor to find out who owns your note. Most of the time the socalled auditor gives clients a bunch of useless information like a copy of the PSA,
but fails to tell you who owns the note. Why? Because creditors indorsed most
securitized notes in blank and most notes have become securitized.
If in doubt, check the Fannie Mae or Freddie Mac web site and enter your loan
number, for they own many if not most of the mortgage notes.
Fannie Mae Loan Lookup https://knowyouroptions.com/loanlookup
Freddie Mac Loan Lookup https://ww3.freddiemac.com/loanlookup/

If still in doubt, pick up the phone. Call the servicer, and ask, Who owns my
note? If you get the bums rush, try it in writing, then contact the CFPB, and
complain. If that does not work, SUE.
But under NO CIRCUMSTANCES should you bother with a securitization audit.
It will only waste your money and your time, and give you zero benefit.
Yes, I know I titled the article to make it seem like securitization audits provide
benefits you can get free. Well I gave you FREE those benefits that a
securitization auditor fools victims into thinking they will get for a big fat fee, but
which the victims do not get at all.
How to Get the Benefits of a Securitization Audit FREE

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If you already made the ill-informed mistake of paying a securitization auditor for
that useless audit, I suggest that you demand a full refund and report that
scalawag to the State Attorney General. Why? Because those crooked auditors
know they sell useless junk.

Save Your Money for a Professional Mortgage Examination

Besides, you will need all that money to pay a competent, professional mortgage
transaction examiner to examine your transaction documents. That will reveal
injuries you have suffered. And when you show the injuries to the servicer, the
injurious parties, the CFPB, and the court, you thereby give yourself the ONLY
opportunity of pressing your adversary into a settlement or of obtaining a
damage award judgment from the court.
Yes, I know the ONLY such examination firm in the USA, the only one I can
confidently recommend.
If you have a mortgage and you want help with it, familiarize yourself with the
articles and concepts at the Mortgage Attack web site here:
http://MortgageAttack.com
Then write me using the contact form at the site, or pick up the phone and call me
at
1 (727) 669-5511
Bob Hurt

How to Get the Benefits of a Securitization Audit FREE

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