Taylor Perez

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Information is a key defense if you plan on taking action. Know exactly what happened to your loan is a vital part of foreclosure defense and should be incorporated. A Securitization Audit and Quiet Title Action is an approach that many are using to force the foreclosing entity to produce the assignments and the note in defense of the quiet title action. And if they cannot do that, it is up to a judge to decide what happens next.

Under securitization, instead of making mortgage loans directly, mortgage bankers only "originated" them, doing whatever paperwork was thought necessary, then sold them on to a Wall Street broker, which packaged them into a shell company with other mortgages. The resultant mortgage-backed security and sold the resulting package to bond investors.

A loan securitization search is not a trivial search, it’s a series of searches structured to isolate the loan inside the securitized loan pool. As a precursor to securitization search, Loan Specific Title Search is performed to identify the loan level specific characteristics to aid in loan search inside the securitized trust, as well as, exact dates of the loan status, such as foreclosure, bankruptcy, modification and REO. All of the dates mentioned are tracked by servicers of the pool for reporting to investors and are used as a search technique for loan isolation.

After the securitized loan search is completed, the pool level documentation is retrieved for pubic deals in particular the prospectus, pooling and servicing agreement, underwriter agreement, swap agreement, Master agreement, Loan Assumption and Assignment agreement, if any or all available as well as the servicer or trustee monthly statement on the pool performance with some particulars of the non-performing assets. On top of the Title Search, we present various findings and general recommendations concerning the chain of title, "ownership" of your loan etc.

Bloomberg Data feeds provide current and historical financial information on individual equities, stock market indices, fixed-income securities, currencies, commodities, and futures for both international and domestic markets. Also provides company profiles and financial statements, analysts' forecasts, news on worldwide financial markets. With the inclusion of CMO's getting complete loan level data is now available and can show a loans entire history.

Asset & Investment research firm providing data on securitized and non-performing assets

Can't Locate Your Mortgage Pool

We utilize a number of database searches to isolate the loan of interest in the securitized public pool letting you know who the loan is actually owned by and all the parties involved in the securitization.

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Need Foreclosure Help

Foreclosure laws are complex - Call now to find out if your bank is wrongly attempting to foreclose on you. In reality, banks are counting on the fact that you are not familiar with the foreclosure process.

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IPMAAR Securitization Audits

The IPMAAR (Investment Pool Mortgage Assignment Analysis Report) does not deal with best guesses or near matches it is 100% accurate in locating the mortgage pool and current bank data on your loan.

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