Forensic Mortgage Audits - HOME

Securitization - We stop foreclosures !! That's why were #1

WELCOME!

Forensic Auditing Services, LLC now offers our audit products directly to homeowners regardless if they are facing pre or post foreclosure or they are upside down in their home, meaning they owe more than the home is worth.

Our Team of Certified Forensic, Securitization, and Chain of Title Auditors have performed thousands of audits. If you want to have a chance to save your home from being unlawfully taken from you, you MUST have evidence (i.e., PROOF) that the party (Bank, Servicer, Mortgage Company, etc.) attempting to foreclose has no ‘standing’ (legal authority) in a court of law to bring the foreclosure action. It’s that simple.

We can help.

Our network of clients have successfully stopped and even reversed foreclosures and have obtained substantial settlements with the Banks using the evidence we provided them.

Our Team of Certified Auditors produce a product that comes in an affidavit format and is admissible as evidence in a court of law. We provide audits for those who request our services via private contract.

So… what is “Securitization” and why is that so important?

Securitization is the process by which residential and commercial real property mortgage loans (PROMISSORY NOTES) are bundled and sold to investors. Securitization can occur months after origination, or it could occur immediately after origination. However, not all loans are securitized.

Investors and Banks routinely sell or purchase large blocks of loans and place them into trusts or REMICs (Real Estate Mortgage Investment Conduits). Shares of those are then sold to other investors.

When that happens the Note and the Deed become separated. That seperation is called “bifurcation” of Title.

And... in order to have legal standing in a court to bring a foreclosure action the ORIGINAL documents (NOTE & DEED) must be in the SAME HANDS.

The Note must be pledged as collateral and turned over to a Sponcer who converts the Note into a Certificate forever losing its ability to ever become a Note again.

"The note and mortgage are inseparable; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity."

CARPENTER V. LONGAN, 83 U. S. 271 (1872)

Once bifurcated NO ONE has legal standing to bring an action to foreclose.

Once you PROVE your Note was securitized, you are also proving that the bank or foreclosing party is committing FRAUD upon you and upon the court.

Knowing what happened to a particular loan, where it went and which investment vehicle it ended up in, can be the most important factor in foreclosure defense and litigation against lenders, especially for properties located in judicial-foreclosure states.

In non-judicial foreclosure states, this research can be useful in bankruptcy defense, and it can provide the basis for directed discovery or evidentiary hearings, and is especially useful in defense in Unlawful Detainer Proceedings as a complete defense.

This information can be used to initiate Quiet Title actions to gain free and clear title to properties that are not in foreclosure proceedings.

Our network of auditors can identify the Note holder and the specific investment vehicles into which your loan was securitized using their Bloomberg access. This is not always possible due to SEC (U.S. Securities & Exchange Commission) regulatory limitations, however, this audit Memorandum can provide a much more complete and detailed account of where the loan went and, in many cases, which investor purchased it and who the last holder of the Note was reported to the SEC.

We have recently added a "Chain of Title" audit to our product line. This audit will further evidence whether the foreclosing party is or is not the true "title holder".

BASICALLY… it comes down to a couple of things:

#1 - pre or post foreclosure - is the Bank now or was the Bank the "Note Holder" at the time the foreclosure was filed or initiated?

#2 - has the Bank complied with the terms of the Trust and Pooling & Servicing Agreement (PSA) that dictates how the sale of the security (NOTE) must be handled?

Our auditing products are an autopsy of the loan documents and where they went after the closing and where they are now. If there has been fraud, robo-signers, i.e., "Incumbency Certificate" signers, assignment flaws, false or non tax filings, cover-ups, back dating or Notary misconduct we stand a very good chance of finding it.

If you want to defend your property you will need evidence (PROOF) that is admissible in court. Our auditors can also provide affidavits that become a "Declaration of Facts" and they can also testify on your behalf.

For those of you who have been plundered by a foreclosing Bank and its attorneys we hope you find this information inspiring and we hope it empowers you to take a stand and fight for what is lawfully, legally and rightfully yours. We fully understand what's at stake here and we will serve you at the highest level. Our outcome for our clients is quite simple - we provide the evidence they need to fight back and win.

What would you do if you knew you could not fail?

Would you invest approximately 1% of what your home is worth in order to keep it?

We do not offer loan modifications, short sales or any type of foreclosure relief or settlement and we are not foreclosure consultants.

DISCLAIMER: ALL INFORMATION ON THIS SITE IS NOT TO BE TAKEN OR USED AS LEGAL ADVICE.

If you are a homeowner we will perform an Forensic, Securitiztion OR Chain of Title Audit upon your request, however, if you are interested in a Litigation Support Package for your audit you must have your Attorney or Legal Professional contact us.

This site, the Company, its agents, its people, the clients, affiliates and its sub-contractors are all protected and governed under Article 1 Section 10 of the Constitution.

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