What is a Mortgage Securitization Audit?
A Mortgage Securitization Audit (MSA) is a detailed investigation of the documentation underlying mortgage-backed securities that will identify the lawful owner of a specific mortgage. A Mortgage Securitization Audit identifies the pool of loans into which a specific mortgage was assigned or transferred and then locates the individual mortgage from among the thousands of similar documents. It also involves a detailed examination of all the related documents and the signatures appearing on those documents and will determine if there is an absence of a clear legal claim on the property. Because a lender’s property rights are tied to its ability to produce the basic lien, title and mortgage note documents, if the legal link between a mortgage loan and its real estate collateral is broken or lost, then the property rights are no longer tied to that mortgage.
How Does Foreclosure Defense, LLC Perform Mortgage Securitization Audits?
Foreclosure Defense, LLC examines all related mortgage documents, including the note, deed of trust, mortgage and all filed and recorded documents such as assignments, endorsements, allonges, and the associated notarizations. The Mortgage Securitization Audit also includes an analysis of document signatures, notarizations, and dates to uncover a faulty chain of title/ownership, fraud, forgery, robo-signing and possible backdating of documents.
Mortgage Defense, LLC’s auditors have the C.F.E. professional designation and have experience uncovering all types of financial fraud for various clients including banks and the Federal Bureau of Investigation (FBI).
What is involved in a Mortgage Securitization Audit?
A thorough analysis is also made of the signatures to uncover fraud or forgeries.
Mortgage Defense, LLC’s experienced auditors are hand writing experts who can determine the accuracy and validity of the signatures and uncover fraud and/or forgery. These auditors also verify the identification of the individuals whose signatures appear on the various documents. Of special importance is the fact that these experts have access to fraud detection databases and tools available only to professional fraud examiners and the law enforcement community.
Questions? Call Foreclosure Defense, LLC 404-919-7545 or Click Here.
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