Audits
Forensic or Preditory Lending Audit(RESPA and TILA)
What is the audit?
The audit is a review of the mortgage related documents signed by the borrower on the day of closing. The audit focuses on disclosure violations of federal laws, commissions violations and calculation errors. Who can receive an audit? All homeowners are eligible for an audit (80% – 98% of mortgages have potential violations).
1. If you have an ARM or high interest rate
2. Your mortgage was sold
3. You have an escrow account
4. You have little to no equity
5. You are struggling to make payments
6. In foreclosure
7. Just want to check – YOU QUALIFY!!
Forensic Audit
What if I am in foreclosure and I want to sell my home? A successful audit will give you all the time you need to find the right buyer. You may find that you may not need to sell your at all.
Can this stop foreclosure? Yes! The audit can be used to stop ALL collection activity including foreclosure.
Do I need to be behind? No!
Can my loan be Cancelled? Yes. Depending on the type of loan you received, a successful audit can reveal facts that can allow the borrower to have the loan canceled and even receive the property FREE and CLEAR!
Apply For Your Forensic Audit Now
Certified Securitization Report with the Financial Data
What is Mortgage Securitization and how does a Certified Securitization Report with the Financial Data play a part?
Mortgage Securitization changes an asset into securities typically by transferring them on Wall Street (as by sale) to a special trust or corporation that issues them as securities to reallocate, reduce risk and increase liquidity for the company (as a bank) acting as the sponsor of the transaction. Mortgage securitization allows an individual promissory note to be placed in many portfolios of notes called tranches, and each tranche can then be insured based on the risk level of its contents. If an insured tranche defaults, every note contained therein is paid in full. If your note is located in 5 insured defaulted tranches, it is paid by the insurance company 5 separate times….Your financial responsibility may already be paid multiple times! This is where the Certified Securitization Report with the Financial Data comes into play. This report shows how many times your lender has been paid for your note along with other possible illegal violations.
The process of mortgage securitization is complicated, and is highly dependent on the jurisdiction or State within which the process is conducted. The Certified Securitization Report with the Financial Data clarifies each transaction. The basics are:
- Mortgage loans or notes are purchased from banks and other lenders and assigned to a trust.
- The trust securitizes each loan and places the mortgage backed securities into multiple pools or tranches, and insures each tranche.
The History of Mortgage Securitization
The Federal National Mortgage Association (FNMA or Fannie Mae) issued its first mortgage backed security in 1981, and became very popular in the last 2 decades.
Mortgage Securitization occurs in most, but not all residential and commercial mortgage loans in Wyoming either immediately or months after the loan origination.
All of the largest banks securitized their mortgages: All bank actions are to be reported, Ally Financial Inc., formerly known GMAC LLC, Bank of America Corp., Barclays Bank PLC, Citigroup Inc., Countrywide Financial Corp., Credit Suisse Holdings Inc., Deutsche Bank AG, First Horizon National Corp., General Electric Co., Goldman Sachs & Co., HSBC North America Holdings Inc., JPMorgan Chase & Co., Merrill Lynch & Co. and its unit First Franklin Financial Corp., Morgan Stanley, Nomura Holding America Inc., The Royal Bank of Scotland Group PLC, and Societe Generale, and many more.
On September 2, 2011, The Federal Housing Finance Agency, (FHFA) said the banks and mortgage lenders sold securities with registration statements and prospectuses that showed “materially false or misleading statements and omissions,” and “falsely represented that the mortgage loans in the securities complied with underwriting guidelines and standards.” They also included representations “that significantly overstated the ability of the borrower to repay their mortgage loans.”
This implies that the banks and mortgage lenders, in their haste to sell notes and make money, possibly committed fraud in a multitude of ways. Banks may have committed fraud in nearly every loan in Wyoming. But, what about YOUR loan?
The Certified Securitization Report with the Financial Data reveals what happened to your particular loan: who it was sold to (standing), if or when it was securitized, how many tranches it was in, and sometimes shows if your loan or debt was ultimately paid, even more than once, by an insurance company, usually AIG Insurance Co. Certified Securitization Report with the Financial Data with the required data are extremely important in foreclosure offense, quiet title action against lenders, and sometimes in litigation for foreclosure defense, especially for properties located in judicial states.
How to Get Your Certified Securitization Report with the Financial Data
Today, securitization reports are being offered by many businesses across the U.S., but buyer beware, they are not all Certified Securitization Report with the Financial Data . Not all securitization reports are alike. In fact, some do not even show the basic accounting data or actual numbers that prove to the courts that your loan or debt has been paid by an insurance company. Only securitization reports with Certified Financial Data show the actual numbers. Do not be fooled by claims of Securitization Reports that do not have this Certified Securitization Report with the Financial Data . The courts use the actual data: dates, amounts, names, etc… thru legal documentation, a legal affidavit and an expert witness if necessary, to prove that your note or debt has already been paid by an insurance company, so there is no debt to the bank or lender. That is what you want to show the courts. That is why you must obtain a Certified Securitization Report with the Financial Data!
If you think this doesn’t apply to you, think again. This is news for the 99%. Look at the INCOMPLETE list of banks above. Many recent foreclosures were fraudulent and many more people are currently in courts, in every state, using Certified Securitization Report with the Financial Data to fight bank fraud. If you are part of the 99% of the public, you should determine if your lender committed fraud with your loan. This is what Occupy Wall Street is all about, the 99% fighting back for what the banks and corporations have done to us.
Aquire your actual Certified Securitization Report with the Financial Data with affidavit and expert witness if needed at: Mason Realty Solutions
Note: USE THIS AUDIT AND QUIET TITLE TO FIGHT BANK FRAUD AND POSSIBLY KEEP YOUR HOME FREE AND CLEAR. This complete audit (appx 300 pages) is prepared and signed by a Qualified professional, and INCLUDES: Certified Financial Data, an affidavit, VOD (Verification Of Debt), expert witness testimony in any potential court room litigation. By ordering this audit, you are also agreeing that you have read and understand our disclaimer below. Audits will be completed in approx 7-10 business days.
Apply For Your Signed Financial And Securitization Audit Now
Disclaimer:
Mason Realty Solutions does not provide any legal advice of any nature. We provide you with evidence for legal firms and in that capacity only, we provide research for violations of existing financial requirements that could be considered subject to litigation. Mason Realty Solutions maintains a continuous relationship with legal firms on a national scale and provides its findings to be used by the law firms as needed. Mason Realty Solutions has no financial affiliation with any law firm, does not participate in any kickbacks, commissions or any financial remuneration from any attorney, law-firm or and legal organization of any kind. Mason Realty Solutions promotes workshops for Attorneys, Investors, Mortgage Brokers, Realtors, Real Estate Brokers and the general public. These workshops are designed to educate all attendees in the workings of the Quiet Title theory of law and are educational and not legal advice. Services are provided to and utilized by the legal arena for the sole purpose of representing expertise and knowledge of the area of finance, securitization, banking, fractionalized banking, credit default swaps, pooling and servicing agreements. All areas of finance in which the activities of which are potentially defective, fraudulent or with serious irregularities impacting the consumer are identified and made known to the client for use of his/her attorneys.
Note: By ordering any audit described above, you are also agreeing that you have read and understand our disclaimer.