Results
Case Results
Representative cases showing what forensic mortgage investigation can uncover. Each case involved unique facts. Past results do not guarantee future outcomes.
Backdated Assignments Invalidate Foreclosure Standing
Chain of title analysis revealed three assignments executed after the trust closing date but backdated to appear compliant. Sworn affidavit filed by attorney.
Outcome
Foreclosure dismissed. Bank could not establish standing.
Texas
Mortgage Never Properly Transferred to Trust
Securitization audit found the mortgage was transferred to the trust 18 months after the closing date, violating PSA requirements. REMIC status at risk.
Outcome
Lender negotiated modification rather than face challenge to standing.
Florida
Identical Signatures Across 200+ Documents
Fraud investigation identified the assignor as a known robo-signer with identical signatures across hundreds of county filings. Notary dates did not match signature dates.
Outcome
Assignment voided. Case settled favorably for homeowner.
Nevada
Gap in Chain of Title Breaks Standing
Chain of title analysis found a 4-year gap with no recorded assignment. The foreclosing party could not produce the missing document.
Outcome
Foreclosure delayed. Homeowner negotiated favorable modification.
California
MERS Entry Inconsistent with Recorded Assignment
MERS audit found MERS indicated the mortgage was transferred to Trust A, but the recorded assignment transferred to Trust B. Inconsistency documented.
Outcome
Standing challenged successfully. Case dismissed.
Ohio
Note Endorsement Chain Incomplete
Securitization audit found the promissory note was missing a critical endorsement from the sponsor to the depositor. Chain broken.
Outcome
Foreclosure dismissed with prejudice.
Illinois
Case results are representative and based on common patterns in mortgage investigations. Individual results depend on specific facts, jurisdiction, and legal strategy. MCI is an investigative service, not a law firm. We do not guarantee legal outcomes.
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