Trace Every Transfer of Your Mortgage

Chain of title analysis is a forensic investigation of every transfer of your mortgage from the original lender to the current loan holder. Each time a mortgage is sold or assigned, a legal document, called an assignment, must be properly executed and recorded.

In practice, these assignments are frequently mishandled. They are backdated, missing signatures, improperly notarized, or skipped entirely. When the party foreclosing on your home cannot produce a complete, unbroken chain of assignments, they may lack legal standing to foreclose.

We trace every link in the chain: origination, endorsements on the note, assignments of the mortgage, MERS entries, and recordation in county records. We identify where the chain breaks, where documentation is defective, and whether the foreclosing party is actually the Person Entitled to Enforce (PETE) your mortgage.

A broken chain of title can invalidate a foreclosure. Courts have required foreclosing parties to demonstrate proper chain documentation before proceeding. If the party foreclosing on your home cannot produce a complete, properly executed chain of assignments, they may not have legal standing.

Chain of title analysis gives you and your attorney the evidence needed to challenge a foreclosure, negotiate a modification, or pursue a quiet title action. It transforms "I think something is wrong" into "here is exactly what is wrong, documented and verified."