A very common mistake that many people make is thinking that they are safe because they’ve learned in some way that their loan was securitized. (They read an article, or talked to the bank who told them who their investor was, or reached out and did some online web research at various websites that provide some information.) They are not safe!
No matter what information you may have collected on your own, if you have not had a complete, thorough and accurate investigation of your loan done, then it is your word against the lender’s and typically, the lender’s going to win!
You need the evidence that will protect you or help you achieve the outcome you are seeking.
Without real evidence that can be verified and testified to, you will lose.
A good Securitization Audit will not only cover the issue of Securitization, but it will also cover a review of documents filed at the county for proper assignment and robo-signing. MERS will be looked for, and if a foreclosure has been initiated against you, then a complete robo-signing investigation will be done as well. It will be done using the tools and resources of the Bloomberg Financial Platforms. Tila’s Bloomberg-based Audit is the best you can get.
Your Tila Solutions Auditor is trained in the laser precise techniques of the Bloomberg system! No more worries about wrong trusts, no trust, or inaccurate information. When we produce an audit, we used Bloomberg and we can tell you everything! If your loan has been securitized, we will find it.
When nobody else could tell you what happened to your countrywide loan, we could and we do. When Chase is busy telling the judge that your loan is not securitized, we can show you, Chase, and the judge that it was and that Chase isn’t even the rightful owner– thus they can’t foreclose! When the lender is refusing to work with your attorney on the loan mod that just never seems to come, your attorney will appreciate being able to Chase that he’s about to sue because of the findings in your audit. Watch what Chase does then!
Saving your home starts with in-depth and accurate information. That is what you get when Tila does an audit.
Some of the Info in our Bloomberg-based Securitization Audit
- What Trust was your loan placed into, and when? Is it in more than one trust? Has the servicer actually reported it as paid in full to the investor while still collecting payments from the homeowner? These are just a few examples of things we have found by using the Bloomberg Financial Research Platforms to conduct audits of your loan.
- Has the lender violated the regulations of the trust, thus voiding the trust agreement?
- What is the pooling and servicing agreement revealing in regards to your investor/servicer activities and how well are they following them?
- Have the deed and note been separated? (this is not legal – they must always remain together)
- Was MERS involved? (if yes, there’s a very good chance that wasn’t legal either!)
- Was your loan, assignment of loan, and/or foreclosure documents actually Robo signed? (forged signatures)
- Was your lender known to shred notes after placing them into trusts? (If you don’t have the note, you can’t really prove that you are the rightful owner. . .)
Bottom Line – the lender is going to try and foreclose on you before you find out that he can’t. Even if he does, we can still turn it around. For that reason it has become imperative that every homeowner who has had a foreclosure, been evicted from their home, or is in the midst of a foreclosure get a Securitization Audit to prove that the bank has or had no right to do so. We can even help those who have already lost their homes. The game is over for the lender when he knows that you know. However, as time has passed and experts have researched the area as well as tried and won cases in court, the full impact is beginning to be realized. It sums up as this: Millions upon millions of homeowners could be illegally foreclosed upon, thousands upon thousands already have been. In essence, since the real estate bubble burst, and lenders have been dealing with the fallout they created by issuing predatory loans, they have been guilty of foreclosure fraud. They’ve been presenting themselves as the rightful owners of the loans they are foreclosing on (often through their self-created agent, MERS). They are not. The lenders created mortgage backed securities (MBS) by a complex process of turning mortgage loans into stocks that could be traded on the stock market. However, they didn’t do it right. They lost the actual ownership rights to the note, they let the deed get separated from the note, and very often they set up the trusts that would hold these mortgages for maximum IRS tax benefit, which caused the trust to literally have no owners of the notes they contained. They created MERS (Mortgage Electronic Registration System) to operate as a “fast and efficient” registry and agent and thereby avoid the cost and time to properly record these legally required documents at the county. Foreign and domestic investors (banks, large companies, hedge funds, etc.) all bought into these “Mortgage backed Securities.” And they bought heavily, including the US Government. And of course the state governments, congress and even the Securities and Exchange Commission are all busy investigating and demanding answers from the banks. Class action lawsuits abound, and homeowners everywhere are still displaced through wrongful foreclosure – despite all the bank’s illegalities.CLICK TABS FOR MORE INFORMATION ON SECURITIZATION
Today, most homeowners’ notes are not owned by the investor who claims to own it. The servicer who operates to collect your payment and/or foreclose on you has no right to do so, and MERS is getting more and more supreme courts ruling against their self-imposed right to operate as an agent.
What Should You Do if You Are In Foreclosure?
Call Us Immediately at 702-508-0335 or click here for more information. You need to protect yourself and your home with a Securitization Audit.
