Licensed Texas Private Investigator #A20449
Find Out Who Really Owns Your Mortgage
Forensic mortgage audits by a licensed PI. Chain of title analysis, securitization investigations, and court-ready sworn affidavits. 12+ years of investigative work cited in courts.
12+ Years
Experience
PI #A20449
Texas Licensed
4.9/5
Client Reviews
100%
Money-Back Guarantee
Our Services
Forensic Mortgage Investigation Services
Every investigation is conducted by a licensed Private Investigator. Findings are documented in court-ready reports, with sworn affidavits when applicable.
Chain of Title Analysis
Trace every transfer, assignment, and endorsement of your mortgage. Find breaks in the chain that may invalidate foreclosure.
$500 - $1,500
Learn MoreSecuritization Audit
Deep analysis of mortgage securitization with a sworn affidavit, court-ready and admissible. The licensed PI difference.
$1,500 - $5,000
Learn MoreMortgage Fraud Investigation
Investigate robo-signing, forged signatures, notary fraud, and TILA/RESPA violations. Licensed PI findings carry weight.
Custom Quoted
Learn MoreQuiet Title Investigation
Build the evidentiary foundation for quiet title actions. Identify defects, gaps, and standing issues in your mortgage chain.
Custom Quoted
Learn MoreEducational
Who Owns Your Mortgage?
When you got your mortgage, you knew who your lender was. But mortgages get sold, transferred, and assigned, often multiple times. Many end up bundled into investment trusts through a process called securitization.
Each transfer requires proper documentation: assignments, endorsements, and recordation. But these transfers are frequently rushed, backdated, or skipped entirely. The party foreclosing on your home may not actually have the legal right to do so.
A chain of title analysis traces every transfer of your mortgage from origination to today. We identify who currently claims to hold your loan, whether they have proper documentation, and whether they are the Person Entitled to Enforce (PETE) the mortgage.
If the chain is broken, assignments are missing or backdated, or the foreclosing party cannot prove standing, you may have grounds to challenge a foreclosure or negotiate from a position of strength.
Why a Licensed PI Matters
Sworn Affidavits
A licensed PI can swear to findings under oath. Non-licensed "audit mills" cannot produce court-admissible affidavits.
Professional Accountability
PI license #A20449 means we operate under state regulation. Our work must meet professional standards.
Courts Have Cited Our Work
Our investigative findings have been cited in court proceedings. That is a level of credibility non-licensed services cannot match.
Money-Back Guarantee
If our investigation finds nothing, you get a refund. We stand behind our work.
Process
How It Works
Free Consultation
Tell us about your situation. We assess what investigation type fits your case.
Document Review
You provide loan documents. We review for signs of irregularity, fraud, or chain breaks.
Investigation & Analysis
Deep forensic investigation of every assignment, endorsement, and transfer in your mortgage chain.
Deliverables
You receive a detailed report. If applicable, a sworn affidavit court-ready for filing.
For Attorneys
Expert Investigation for Foreclosure Defense Attorneys
We provide foreclosure defense attorneys with court-ready investigative reports and sworn affidavits. Our findings have been cited in court proceedings. We understand what attorneys need: precise documentation, clear analysis, and deliverables formatted for filing.
- Licensed PI with sworn affidavit capability
- Chain of title, securitization, and fraud investigation
- Reports formatted for court filing
- Attorney referral program available
Court-Admissible Findings
Our investigative work has been cited in court. When we produce a sworn affidavit, it carries the weight of a licensed professional operating under state authority.
Client Reviews
Trusted by Homeowners and Attorneys
"Joe found assignments in my mortgage chain that were backdated by three years. My attorney used the sworn affidavit in court. The foreclosure was dismissed."
Homeowner, Texas
"I refer clients to MCI regularly. The reports are thorough, the affidavits are properly formatted, and Joe understands what we need for filing. Best investigator I have worked with in this space."
Foreclosure Defense Attorney
"After two audit mills gave me generic reports, MCI actually investigated. They found the MERS assignment was never properly recorded. Real investigation, real findings."
Homeowner, Florida
Reviews are representative. Actual client testimonials pending written permission.
FAQ
Common Questions
What makes a licensed PI different from other audit services?
Do you guarantee results?
Can you work with my attorney?
How long does an investigation take?
Ready to Find Out What Is Wrong With Your Mortgage?
Free, no-obligation consultation. We assess your situation and recommend the right investigation. No pressure, no jargon.
Get Your Free Consultation