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IsYourMortgageStatusDesignatedInactive?
Categories
ByRickTobin 31Comments
Apartments
210 2 14 AssetProtection

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CommercialRealEstate
Manyhomeownersfindouttheirexistingmortgageislistedasinactive.Aninactivestatus CreativeRealEstateInvesting
canrefertothetransferoftheirmortgagetoanotherloanservicer,ortoafewotherfactors
asnotedbelow. FindingBuyers
FixerRehab
ThedifferencebetweenhavinganinactiveoranactiveMERS(MortgageElectronic
RegistrationSystem)loanmaydetermineifthepropertyownerhasanyimprovedor Foreclosures/ShortSales
worsenedhomeequity,oratrulysaleableasset. HouseFlipping/Wholesaling

WhatisMERS? IRA,401K,RetirementFunds

MERSfunctionsasacentralizedelectronicregistryofmortgages,anditwassupposedto Miscellaneous
tracktheownershipofthesemortgages,whicharetypicallysoldmultipletimesduringthe MotivatedSellers
loanslife.MERSpotentiallyaffectsupwardsof60millionresidentialmortgageloans NoMoneyDown
nationwide,andalmostcompletelycrashedtheU.S.housingmarketbyitselfbecauseofso
PrivateLenders/PrivateMoney
manyproblemswiththepackages.
RealEstateInvestingNews
MERSwascreatedbylendersandtitleinsurancecompanies,soitwouldbeeasierto
RealEstateInvesting
transferthebeneficialintereststoothersecondarymarketlenders.Yet,somemortgages
Strategies
endedupsignificantlydiscountedduetopackagingproblems,whichmadetheminactive.
RealEstateInvestorResources
TheMERSScandal
RealEstateSuccessStories
Missingdocuments,notaryfraud,and
RealEstateTaxStrategies
robosigningledtheway.
Therewasalotofchaosinvolvedwith MostPopular
MERSmortgagepackets,whichcontained 4BigMistakesRealEstate
nooriginalpromissorynotes(theIOUfor
InvestorsShouldAvoid
themortgagedebt)inthesesameMERS
files. 6WaystoFindOwnersof
VacantHouses
Knowledgeablehomeownerswereableto
13WarrenBuffettQuotesfor
completelystoptheirhomeforeclosures
bypointingoutthattheforeclosingentity, RealEstateInvestors
suchasthemortgageservicingcompany, WherestheIOUforthemortgagedebt? 14YearOldRealEstate
didnthavealegalrighttoforecloseon Investor,TodayaFewHouses,
theirhomes,sincetheydidnthavealloftheirvalidmortgagepaperworkintheirfiles. Tomorrow
Thesequestionableownershipinterestsinthemortgagesledtoforeclosuremoratoriums, 5MustHaveAppsforReal
courtsettlements,andinactivestatuses. EstateInvestors

Therewerealargenumberofallegationsofnotaryfraudinwhichrealorfakenotariessuch 3WaystoBuildWealthby
asLindaGreenwereallegedlypartofthemassiveRoboSigningScandalnationwide. InvestinginRealEstateNow
Top20WebResourcesforReal
Ithasbeensuggestedthatpromissorynotes,deedsoftrustormortgages,andotherloanor
titledocumentswereforged,leftblank,orillegallyassignedtonumerousmortgageinvestors. EstateInvestors
SinceMERSwassetuptobecomeaspaperless,speedy,andefficientaspossible,there WhyHouseFlippingTVShows
wasnotenoughthirdpartyoversighttocheckwhetherthesedocumentswerevalid. CanBeHazardoustoYour
QuestionableBeneficialInterests Health

NoNote=NoDebtbecamethemantraforhomeownerswhowereinthemidstoftheirown WhatTheyDontTellYouAbout
foreclosuresduetotheweakerU.S.economy.Somesavvypropertyownerswereableto FlippingHouses
legallyvoidtheirexistingmortgagedebtaltogetherbyprovingthattheforeclosing HowtoBuildaPortfolioof
mortgagecompanyhadnovalidbeneficialinterestsintheexistingmortgage,andthushadto RentalsWithoutaBank
legalrighttocollectanypayments.
6ReasonstoInvestinSingle
OtherhomeownerswereabletoshowthattheirMERSfileshadfraudulentnotarysignatures FamilyHomes
signedonbehalfofbothownersandlenders,whichmovedtheirfiledesignationsoverto Section8Rentals:TheGood,
inactiveaswell. theBad,andtheUgly
MortgagelendersthathavecollapsedorimplodedsincetheofficialstartoftheCreditCrisis
(www.thecreditcrisis.net)backin2007,suchasCountrywide,IndyMac,LehmanBrothers,
WorldSavings,DowneySavings,andWashingtonMutualstillfigurativelyexistbywayof
theirassetorbeneficialinteresttransferstothestrawmannamedMERS.
MERS,maypaynotaxesoremployanyone.WithouttheproperassignmentoftheseMERS
mortgages,thesesameimplodedmortgagecompaniesloanscouldhaveceasedtoexist.
LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
TheShadowInventory&MERS
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Insteadofupwardsof60millionresidentialMERSmortgagesbecominginactiveorpossibly
evencompletelyvoidedandworthless,manyofthelargestbanksandmortgageservice
companiesworkedcloselywiththeU.S.governmenttocreatetheNationalMortgage
Settlementinearly2012.Thisinsanelysmall$25billionsettlementisbutamerefractionof
thepotentiallytrillionsofdollarsofMERSmortgagesnationwide.
TheNationalMortgageSettlementof2012andMERSScandalweretwooftheprimary
reasonswhyhomelistingsnationallydroppeddramatically.
TherewerepotentiallymillionsofShadowInventoryhomes(mortgagepaymentsaremore
than90dayslate),whichmaynothavevalidpromissorynotes,orothermortgageortitle
instrumentsordocuments,inthefiles.Thelackoflistedhomeinventoryledtoarapid
increaseofhomepricesbetween2011and2013(alsopartlyduetotherecordlowmortgage
rates).
TheInactiveMERSDesignation
AninactiveMERSdesignationmayrelatetotheloanhavingbeenrefinancedorpaidoff,
discounted,orcompletelyvoidedduetotheinvalidmortgagedocumentsinthefile.Or,the
mortgageloanwasassignedoutoftheMERSsystemtoacompletelynewmortgage
servicingcompany.
ApropertyownerwithaMERSmortgagecanfindthestatusoftheirloanbysearchingfor
their18digitMortgageIdentificationNumber(MERSMIN).Then,thesamepersonmay
searchonlinefortheMERSServicerIDsysteminordertocheckthestatusoftheir
mortgage.
BeCareful!
BeforeattemptingtopayoffaMERSloan,itsveryimportanttofindoutifallofthemortgage
paymentshavebeenproperlyappliedtotheaccount.ThevastmajorityofMERSmortgages
havebeenassignedtomultiplemortgageinvestorsovertheyears,soitisveryimportantto
checkyourownpaymenthistoryovertheyearsinordertodetermineifallofyourpayments
havebeencreditedtoeverymortgageservicinglendersaccounts.
Itsimperativethattheownerpaysoffthecorrectamounts,whichmaymeanmoremoney
backtotheowner,andmuchlessmoneyforthecurrentmortgageloanservicer.Assuch,a
littleresearchandloananalysisbyapropertyownerontheirpersonalpaymenthistoriescan
savethemalotofmoneyandheadaches.

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210 2 14

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AbouttheAuthor...
CheckoutRick'snewbookTheCreditCrisis:10YearsandCounting(August2017
publishingdate)aswellasTheCreditCrisisDeals:FindingAmerica'sBestRealEstate
Bargains.
RickTobinhasadiversifiedbackgroundinboththeRealEstateandSecuritiesfieldsfor
thepast25+years.Hehasheldseven(7)differentRealEstateandSecuritiesbrokerage
licensestodate.Healsowritescollegetextbooksandrealestatecoursesinseveral
statesforsomeofthelargesteducationalfirmsnationwide.
Rickhasanextensivebackgroundinthefinancingofresidentialandcommercial
propertiesaroundtheU.Swithdebt,equity,andmezzaninemoney.Hisfundingsources
haveincludedbanks,lifeinsurancecompanies,REITs(RealEstateInvestmentTrusts),
EquityFunds,andforeignmoneysources.
YoucanvisitRickTobinatRealLoans.com.

Comments

Marysays:
20131023at5:40pm

Wehaventmadeamortgagepaymentinalmost4years.wehaveappliedfor
modificationstimeandtimeagain,butkeptgettingdenied.NooneatChasecananswer
anyquestionsorgiveanydetailsabouttheaccount.Wehavetriedtogetincontactwith
somelawyersthatwererecomendedhereandthere,butnoneofthemwillreturnour
calls.Weknowthattherearedocumentsmissingatthecourthouse.Thecommissioner
oftherevenuetoldusthathedoesntseehowtheycanforeclose.Doesanyonehave
anysuggestions?Wehavehavedecidedtostayuntilthesherifftellsustomove.Itstillis
notacomfortablefeeling.Anyhelpwouldbegreatlyappreciated.
REPLY

Larrysays:
20131024at11:19am LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
Name Email
Ihaveresearchedmortgagefraudforseveralyears.Asaresult,Iuncoveredseveral SignMeUp!
occurrencesoffraudinmyownmortgagewithGMAC.Astheybegantoforecloseon
 me,Isuedthemandhavebeenincourtwiththemfor1.5years.Sincethen,Ihave
foundamuchmoreeffectivemethodthroughadministrativeremedycoupledwitha
QuietTitleAction.Timedoesnotallowmetogetintoalotofdetail,butthe
organizationofferingthishasa100%trackrecordoverthepast3years.Itis
estimatedthattheaverageloanhas20instancesoffraud.Iwishyouwellinyour
effortstowinyourcase.Ifyouwantmoreinfo,pleasecontactmeat
bizlocs@gmail.com.Thanks,Larry
REPLY

CarmenPlanadeballsays:
20161107at11:51am

HelloLarryIhavebeenfightingaforeclosurecaseagainstWellsFargo..Ihave
askedmylawyerifhehaddoneaproperchainoftitlesearchandIknowthey
havenotnowImgoingtocourtNovember14,2016.whereWellsFargoisgoing
fortheLostNote..ineedsomeonethatcanhelpmecheckiftheyhavestandingto
dothisdoyouknowofanyonethatcanhelpme?haveyouheardof
http://www.cfla.com?Pleaseletmeknow..Thankyou!3216891336Carmen
REPLY

SERENAmaysays:
20160327at5:57am

OrderyourPOOLINGserviceagreement.ItwillprovethereisnoASSIGNMENTS,IF
THEREISNOVALIDASSIGNMENTTHENTHEYCANNOTSTANDINCOURT.
WRITETHEYASSUPFORFRAUDONTHECOURT.TOTHEBAR
ASSOCIATION.SENDPSAWITHBLUERIBBONCERTIFEDTOJUDGE.THATS
IT.WITHA1099AYOURTHELENDER,OKITWORKSEVERYTIME
REPLY

RickTobinsays:
20160327at11:17am

@Serena:ThanksfortheMERStips.Yourpointsseemveryinteresting.Havea
greatday.
REPLY

GustavoCuencasays:
20160411at9:02am

HowwecanorderourPSA?Serena?
REPLY

KellyBurnssays:
20170426at9:01pm

Serenathanksfortheinfo!Ididfindmypoolingserviceagreementhowevernot
surewhatImlookingforontheretoprovetherewerenovalidassignmentscan
youhelpplease
REPLY

RayA.Angelessays:
20131024at12:14am

Wellwritten.Informative.WhatisyoursuggestionforACTION.
REPLY

RickTobinsays:
20131024at8:12am

Thankyouforyourcomments.Therearevariouswayswhichmayormaynotworkin
onespersonalsituation.Asforlegalandmortgageworkoutexpertswhomayassistyou,
onemustjusttrytoaskaroundtheirlocalregionforreferralstopeoplewithadecent
trackrecordofsuccess.
Firstoff,Isuggestthatpeoplethoroughlyanalyzethepaperworkintheirfiles.Istherean
existingPromissoryNote(theIOUforthedebt)?Arethenotarysignaturesvalidonthe
variousdocumentsinthefile?IstheGrantDeed,DeedofTrust,orMortgageinthe
properformat?
LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
IfyoucantfindyourPromissoryNote,thenpleasecontactyourexistinglenderfora
Name Email
copyintheirfiles.Iftheytellyouthattheycannotfinditeither,thenthismaybepotentially SignMeUp!
goodnewsforyou.Itmayalsoalertyourlendertotrytobemorecooperativewithyou
sincetheyknowtheyhavenoPromissoryNoteintheirfileeither.
Istheoriginalmortgagefundingcompanystillinexistence,ordidtheyimplodeinrecent
years(i.e.,Countrywide,WashingtonMutual,WorldSavings,DowneySavings,Lehman
Brothers,IndyMac,etc.)?Weretheirownershipinterestswipedouttooafterthey
formallycollapsedorfiledforBankruptcyprotection?
Doesyourexistingmortgageloanservicecompanyactuallylegallyowntheloan,orhave
validbeneficialinterests?Isyourlocalcourtandindividualjudgetrulyfairandunbiased?
Onejudgemayruleinthehomeownersbehalfwhileanothermorebiasedprobankjudge
maynotbesofriendly.
Iknowofstoriesinwhichhomeownerswereabletostayintheirmultimilliondollarfor
welloverfive(5)yearsbeforetheirexistingmortgagelenderbegantheforeclosure
process.Inmanycases,frustratedbanksknowthattheirexistingloandocument
packagesaredefective.
Asaresult,thesesamebanksmayeventuallyofferaRelocationFeetothe
homeownerssothattheywillmoveinthenearterm,andnottrashthehomeorsteal
appliancesonthewayout.SomeoftheseRelocationFees(aglorifiedbribeto
cooperatewiththemortgagecompany)havebeenashighas$35,000fromwhatIhave
heardinrecentyears.
Idopersonallyknowsomeonewholegallywipedoutherexistingmortgagedebtby
pointingoutinCourtthattheexistingmortgagelenderhadnotruevalidownershipor
beneficialinterestsinherexistingmortgage.Asaresult,sheendedupwithafreeand
clearhome,andcleartitleaswellwithnodefectsintheChainofTitle.Shethensoldthe
homeshortlythereafter,andpocketedanicechunkofchange.
Bestoflucktoyouall.
REPLY

RickTobinsays:
20131031at8:37am

HereisalinkwhichmayhelppeoplefindoutmoreinformationabouttheirpotentialMERS
account:http://www.mersinc.org/informationforhomeowners/mymortgageinfo
REPLY

CynthiaJacksonsays:
20140403at6:52am

HelloMr.Tobin,
Ibelievemyexistingmortgagelenderhasnotruevalidownershiporbeneficialas
well.AttherecordingofficeinmyCounty.ThelastrecordingiswithWorldSavings
BankandthebeneficialisGoldenWestFinancial.Thereisnotanybanklegallyactive
onthisparticularloan.Itriedseveraltimesforaloanmodificationwrittenandorally
andwasdenied.Iaminafinancialsituationthathasmebehindinmymortgageforthe
past8months.Idonothaveanoticeofdefaultasofnow.Ihavebeenthreatofone
recently.Canyoupleasehelpmewithsomeadviceifpossible,Thankyou
Cynthia
REPLY

RickTobinsays:
20140403at11:17am

@Cynthia:Iamsorrytoreadaboutyourstruggleswiththeexistinglender.Itypically
suggestthatthehomeowneraskthecurrentmortgageservicecompanyforacopyofthe
PromissoryNoteforyourrecordssinceyoucantseemtofindyourcopyinyourfile
either.Inmanycases,thereisnocopyofthePromissoryNote(theIOUforthedebt)
anywheretobefoundbyanyone.
Therehavebeenhomeownersinthepastwhohaveusedthisstrategytoeithervoidor
postponetheforeclosure,toforceamodificationoftheloan,ortocompletelyeliminatethe
loandebtaltogetherasitrelatestotheNoNote=NoValidDebtconcept.Sinceyour
mortgageservicerhasyettofiletheNODwhichbeginstheforeclosureprocessinmany
states,thentheymayhavesomeacknowledgedpaperworkproblemsinyourfile.
Ifyouaskten(10)differentpeoplefortheiropinionsinregardtowhatmayworkbestfor
yoursituation,youmayreceiveten(10)differentanswerspartlybaseduponwide
rangingcourtrulingsaroundtheUSA.Obviously,WorldSavingsimplodedmanyyears
ago,sonowitisuptotheexistingmortgageservicecompanytotrytoworkwithyou.
Regardless,itmaybebettertokeepthelinesofcommunicationopenwiththecurrent
lenderormortgageservicerwhichmaymakethemwanttoworkmorewithyoutofind
bettersolutions.Performingloansarebetterforthemthannonperformingloans.
Again,pleaseaskthemortgageservicecompanytofaxormailyouacopyofthe
LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
PromissoryNoteforyourrecords.DuetotheMERSScandalwhichmayhaveadversely
impactedover60millionmortgagesnationwide,theremayactuallybenovalid
Name Email SignMeUp!
PromissoryNoteanywhereinyourfilesinceitmayneverhavebeenoriginallycreated
and/orlegallynotarizedalongwithavaliddeedoftrust.
TolearnmoreabouttheMERSandLIBORScandals,pleasereadthisarticlewhichI
wrotelastyearaswell:
http://www.creonline.com/blog/shadowinventoryvsdeclininghomelistinginventory/
IfyourmortgageservicecompanycannotproduceavalidPromissoryNote,thenyou
mayhavemoreleveragetoencouragethemtoworkwithyou.Bestoflucktoyouand
yourfamily.
REPLY

constancebogdansays:
20150210at5:10am

thisarticlehasbeensuchabighelp,myMERSisnowinactiveandmyloanisowned
by3majorbankstheywanttocancelmychapter13over3missedpaymentswhileI
haveappliedforaloanmodification,mycountyrecordshavenotbeenupdated,and
theoriginalloancompanyclosed20daysaftermyclosinginNov2006.My
bankruptcylawyergoestocourtthisFriday,Iamcallingmyservicerrightnowsince
thisisthe4thserviceranddemandingacopyofmypromissorynote..
REPLY

Terrysays:
20150928at7:42pm

Acopyisnotthesameasthe
originalnote.Demandyouseethe
originalincourt.Acopyisnotnegotiable
orenforceable!
REPLY

albosays:
20140531at8:47am

IhaveanassignmentofmortgagedatedAugust2012byBankofAmericafromMERS.
ThedateofthemortgagewaswithCountrywideinJanuaryof2006andputintoMERS.
Doyouthinkmynotewassecuritizedandbundledandsoldofftoinvestors.?Inowhave
NationstarLLCasmyservicerandaskedthemforawetinkcopyofmynoteseveral
times.Theysaidtheyhaveitintheirpossessionbutwontshowittome.Ijustsentthem
aQWRcertifiedlettertoshowmethenote.WhatactionshouldItakeiftheydontshow
memycopyofmygenuineoriginalwetinkcopy?
REPLY

RickTobinsays:
20140608at3:33pm

@Albo:Sorry,Ijustsawyourquestiontoday(June8,2014).Theoddsareprobably
fairlygoodthatyourloanwasbundledandsecuritizedmanyyearsago.Thecurrentloan
servicershouldhopefullyeventuallyansweryourrequestsforproductionofthe
documentsfromyourfilesuchaswhetherornottheyhaveavalidpromissorynoteinthe
file.
Ireadthisarticlejusttodayfromanotherpublicationwhichcoveredindetailhowmore
U.S.propertyownersarefightingbackagainsttheirbanksormortgageservicing
companies.Thearticlelinkedbelowmayinterestyouaswell:
http://www.salon.com/2013/08/12/your_mortgage_documents_are_fake/
Bestoflucktoyouwithyourrealestateandfinancialsituation.
REPLY

albosays:
20150429at8:09pm

Anybodycangiveyouacopyofyourpromissorynote.Icansendyouoneifyouask
meforit.Thebanksareonlyshowingyoucopies.Itstheoriginaltheydonthave.
SendthemaproductionofDocumentsrequestthroughthecourtifyouwanttoknowif
theyreallyhaveit.Theywillhavetoproduceitincourt.Morethanlikely,theywillfile
foralostnoteandchancesarethattheywillnothavetherighttoforecloseonyou.
Theyshouldntevenbecollectingyourmortgagepayments.Ihaveseverallawyers
workingonmycaseandsomanywrongwaysthebanksarehandlingofhomeowners
mortgages.Itwouldbesoeasyforthebankstojustdothingstherightwayasthey
havedonemanyyearsago.Icantunderstandthegreedoftheseinstitutionsatthis
LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
time.Howmuchmoneydoesonepersonneed?Thebankscanstillchangetheir
tacticsandgetthehomeownersconfidencebackiftheywantedto.Theycansend
Name Email SignMeUp!
offersofmodificationtothehomeownerswithoutalltheredtapeandB.S.applications
 theywantfilledout.IfilledoutaHAMPwithacertainbankIwontmentionandthey
putmethroughhellformorethanayearandthenturnedmedown.Thiscountryis
lettingallofthishappenandnobodyseemstocareaboutthecitizensofthiscountry
anymore.Everythingisallmoney.Whatasadthingthisis.Goodlucktoallthe
homeownersthatwilllosetheirhomesbecauseofthefraudandlackofcaringbyour
system.
REPLY

Terrysays:
20150928at7:44pm

Verywellsaid.Couldnthavesaiditbetter
myself.
REPLY

RickTobinsays:
20150929at9:55am

Therearesomeveryinformativecommentshere.Yes,oneofthemaincoresofthe
MERSScandalisrelatedtothelackofanORIGINALpromissorynote.Ipersonallyknow
someonewhowasabletolegallyvoidtheirentiremortgagebalance($300,000+)by
battlingtheirlenderincourtoverthelackofanoriginalnoteissue.
REPLY

leefararsays:
20151020at5:25pm

RickTobin,
pleasegivefurtherdetails.IvebeentryingtofindourloanforsolongIdontbelieve
thereisanymortgageeitherbutdontknowhowtogoaboutit.
REPLY

leefararsays:
20151020at5:05pm

Verysimilarstory.A2005MERSloanassignedtoCountrywide2008.Another
assignmentatregistryin2012CountrywidetoBankofAmerica.HOWEVER,documents
fromthebankshowmymortgageinvestorFNMAwithinthesametimeframeasabove.
DoesanyoneknowwhatFNMAACT/ACTmeansthatisoneofmyinvestornamesalso.
Getsbetter.MERSliquidatedourFannieMae,investorloanin2013toanonMERS
status.HowcanIfindoutwhereourloanendedup.Ivebeenthroughthemillwiththis
andcantgetanyanswers.BOAdoesnowownmyloanbutIcantfindtheinfomyself
andtheylie,lie,lie.
Anysuggestionsanyone?
Thanksinadvance
REPLY

Melaniesays:
20151203at3:27am

MymomandItookoutaloanwithIndymacbankin2007,mymompassawayin20011
Onewestwastheserviceratthetimetheydropmymomnameoftheloan.NowOcwen
ismyservicer.IwasontheMERSwebsitelookingformymortgageinformationand
couldnotfinditundermynameonlymymomsname.Shouldntmynameberegister?
REPLY

FredSchneidersays:
20151222at5:02pm

Whatafrickinmess,tosaytheleast.IhavebeenfightingnastyoldBankofAmericafor
overfortyfivemonthsnowandhavenearlyafour(4)footthinkfileofuselessandtelling
correspondence.IwassohappythethegreatstateofMontanastooduptoBankof
AmericawiththeSupremeCourtrulingintheMorrowCaseandwiththeMontanaAG
filinganAmicusBriefinsupportoftheMorrows.Afterthecasegotkickeddownforthe
jurytrialtocontinueoldBofAeffectedaquickoutofcourtandconfidentialsettlement
withtheMorrowssotheMorrowsgotlotsofmoney,butletthemoffthehookforALLthe
injusticethathasbeendoneanddownrightfraudonbehalfofthisnastyGoliaththatis
apparentlytoobigtofail.
LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
EveryoneseemstohaveselectivememorynowthattheNationalMortgageSettlement
wascompletedandtheepcisettlementwiththeUSDOJlastAugustfornearly$17Billion
Name
dollarsthebigquestionIhaveiswhereisthemoney?? Email SignMeUp!
IresearchingmycaseonthefiveconformingloansthatwereoriginatedbyCountrywide
andMERSastheirnomineeandbeneficiaryIamfindingtherobostampsand
checkedwithalistofpossiblerobosignorsthatisoutthereandallthesignatures
matchtheallegedrobosignors.EvenmorestrangeisthefactthatBofAhas
proceededwithrecordingthesephoneyassignmentslatein2013,2014and2015after
thesupposedbigsettlementtoomuch,
WithallthethousandsofcomplaintsagainstBofAtotheuselessCFPB,thehundredsof
lawsuits,andthebigsettlementstheBBBhasBofAratedwithaBBBratingonlyin
AmericaandBofAhasbeenratedoneoftheworstAmericanCompaniesthesepast
years.Someoneneedstostanduptotheseturkeysandputthemoutofbusinessonce
andforalltheyareterribleassomanysuggestandtheyreallysuckassomanyhave
indicatedontheInternet.
REPLY

Chauntasays:
20160319at12:04pm

IcheckedMERSandmyaccountsaysinactive.ItispossiblebecauseIfiledbankruptcy.
IoriginallygotamortgagewithCountrywidein2008andtheloanwastransferredtoBank
ofAmericain2009.However,onMERSthereisnomentionofCountrywideatall.It
statesBankofAmerica2008.Whatdoesthatmean?Doesanyoneknow?
REPLY

Tracysays:
20160428at1:11pm

Hello,IamhopingsomeonecangivemesomeadviceIhavealoanthatoriginatedwith
CountrywideandclosedinAug2006.Ihadan80/20withaballoonpayment.Ihave
neverqualifiedforarefibecauseitisarentalandtheloantovaluehasalwaysbeen
upsidedown.Ihaverequestedaloanmodificationandbeendenied.Myserviceris
currentlyNationstar.Iaskedthemwhothenoteholderisonmyloanandtheywouldnt
tellme.IsentaQWRtotheirresearchdept.IcheckedMERSanditsaysmyloanis
active.ItalsotoldmethatoneloanisheldmyFannieMae.Ilookedupmyloanon
Fannieswebsiteanditcamebackwithnothing
ThepersonatNationstardidagreetosendmewhattheyhaveonfileformyPromissory
Note.Whattheyforwardedme(viaemail)hasastamponitfrommytitlecompanythat
saysitisacertifiedcopyofmyPromissoryNote.SoobviouslynottheoriginalIhave
notreceivedaresponsefromNationstarinregardstomyQWRyetIcontactedmytitle
company.ThegentlemanIspoketotoldmehepersonallyknowssomeonewhohadtheir
loandissolvedbecausetheoriginalPromissoryNotecouldnotbelocated.Theguydidnt
evenknowanythingwaswronguntilisnoteholdercontactedhimandofferedhima$250
giftcardifhecouldproducetheoriginalPromissoryNote!!
Icalledarealestateattorneywhodealsinthesetypedofclaimsandhesaidhefeelsthat
thesetypesofcasesdontholdenoughweightandthattheycanstilljustgetajudicial
foreclosureandforecloseonmeanywayHelp???
REPLY

Stephaniesays:
20161110at12:18am

Hopingsomeonecanoffersomeinsightforme.Refiloanfrom2007(whichincludeda
balloonriderw/termsstatingthatloansmaturitydate,Ihavetopayofftheloaninfullan
amountdoublewhatmyhomeisworth..butthatsnotreallymyconcern,believeitor
not).Besidestheballoonrider,myinterestrateonthenoteis9.5%,andwellitsjusta
ridiculousloan.Lastyearthebanktriedtoforecloseandwefoughtthemforoverayear
untilwewereforcedtosignaloanmodinordertocanceltheforeclosure.Prettymuch
signedunderduress,awfulloantermsyetagain.Lostmyjobandtriedtocontactthe
lenderforhelporsomekindofworkoutagreementuntilIfoundemployment.Nothing
fromthemsentaQWRandletteraskinglenderandservicerinformation.Noresponse.
Ayearlater,foreclosurecomplaintfiledagainandduetothecomplexityofthiscaseand
alltheforgeddocumentsalongwiththeoriginallenderonmynotenotmatchingthe
originallendersnameonthemortgageassignment,attorneysearchingandthenthe
unexpectedpassingofmyallforcedmetomissthecutoffdatetofiletheanswer.NowI
havetofileamotiontosetasidePlaintiffsrequestforentryofdefaultandImstuck.At
thispoint,ImsoconfusedmyselfthatmaybeIreallydonthaveacaseatall?Anyone
haveanysensetheycanknockintome?Thanks!
REPLY

Deesays:
20161230at10:53am

Hi,
LetUsHelpYouAchieveBetterResults.(IT'sFREE!)
ThissiteisVERYinformative.Ihaveacoupleofquickquestionsbasedonthesefacts:
1.OnacopyofmyDeedofTrust(DOT),theMERSnumber1001944correspondsto
SGGH,LLCinShermanOaks,CA. Name Email SignMeUp!
 2.ThelenderlistedontheDOTisFremontInvestmentandLoan(notaffiliatedwith
MERS)whichisnolongerexists
3.AsoftodaywhenIlookedupmyaddressintheMERSsystemitlistedBankof
AmericaasservicerandGoldmanSachsMortgageCompanyasInvestor.
4.SelectPortfolioServicing(SPS)istryingtoforeclosestatingthattheyrepresentthe
shareholdersofthemortgagebackedsecurityGSAMP2005HE1trust
5.AccordingtotheSECthattrustterminateditsRegistrationonJanuary6,2006
IsthereawayformetodefendmyselfagainstSPSsattemptstoforeclose,(which
shouldbeinvestigatedbytheCFPBforfraud)?Lawyersaretooexpensive.
FYIIpurchasedmyhome08/24/2004.
REPLY

Juliannasays:
20170410at7:57pm

YesthereisIcangiveyouinsightonwhatIdidhowIamfightingbackagainst
Nationstar,CitiMortgageandMers.
REPLY

SusanRimessays:
20170129at9:56pm

HelloWOWwhatgreathugeamountofinformation!Thankyouinadvance!!
Ipurchasedahomein2012courthousestepsifyouwill.NoIdidntdoatitlesearch
waterunderthebridgeatthispiont.Imtryingtosellitandthetitlesearchshowa
unsatisfiedloanfrom2005..7yearsafterIpurchaseditandin2010CHASEForeclosed
onthebuyerthatboughtitin2008thisbuyergotaFHAloan(Ihavecase#)lenderwas
Wachovia.The2005loanwouldhavebeenpaidwiththisWachoviaFHAloanin2008(It
alsosaysMERonhisloandocumentsbuttheaddressdoesntappearonMERsite.
FromwhatIreadtheMersiteshouldhavethechainofeventsbutnothingcomesupon
theresitebytheaddressorFHACASEnumberorhisname.AllImtryingtodoisgetthe
documentthatloanwassatisfied.TheloanhastoofbeensatifiedbecauseNOONEhas
contactedmetocollectonedinein5.5years.Theoriginallenderofthe2005loanwas
AAMESoutofbusinesstheretitlecompanyoutifbusinessIveresearchandfoundout
thatAccreditedHomeLendersboughtAAMESloanwhichtheyfiledBankruptcyandnow
IfoundoutthatlonestarinTexaspurchasedloansfromAccreditedhomesIknow
thesepeoplehavethedocumentImlookingforbutgettingaholdofanyoneislikepulling
teeth!OnequestionIhaveiswhywouldtheaddressorfhacasenumbershowuponthe
MERSite?Alsotheloanfrom2005isnotonthepropertyappraisercountywebsite
wherealltransactionsaretoberecorded?Cananyoneoffermeinsiteofhowtogetthis
document..besideaquiettitlelawsuitIveinvestigateditallitscleartomethatifIcan
getsomeoneatHUDorWachoviatotellmewhatloanwaspaidwiththismansfhaloan
hegottobuythishousein2008itstheloanfrom2005!BINGOIdhaveit..Any
informationwouldbegreatlyappreciatedthankyou
SRIMESINFLORIDA
REPLY

Susansays:
20170208at9:22pm

HellowhywhenIsearchbyMIN#itcomesupinactivewithJPMorganMorganservicer
notedate2/11/08.IfIsearchanyotherwayaddressFHAcasenumberisshoesno
results.Herestheweridthingalsothenotedateis2/11/08Thedateofpurchaseof
propertywas2/11/08herestheweridpart.On2/11/08TheloanisWachoviathatswho
thelenderwasonthedateofpurchase2/11/08SowhyisJpMorgantheserviceronthe
samedateofpurchase?LastlydoesMerhaverecordofsatisfactionthatthesellerloan
waspaidoffon2/11/08dateIpurchased?ItisnotrecordedintheCountyrecordslikeit
isrequiredtobewhichIbelieveJpMorganChasewouldbetheonesthatweresupposed
todothatsincetheyarelistedonthenotedate2/11/08ThedayIboughtmyhouse.
Thankyou
REPLY

CarolTulsasays:
20170410at10:15pm

AttheendofthedayYOURSCREWED!!!
TrygettinghelpfromanAttorneywhenyoutellthemthevalueofyourhomeisunder
100k.
NOT
REPLY

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