Securitization Audit
Securitization Audit with Sworn Affidavit
Deep analysis of mortgage securitization. PSA compliance, trust closing dates, assignment timing, and REMIC status. Delivered with a sworn affidavit, court-ready and admissible.
The licensed PI difference: only a licensed investigator can swear to findings under oath.
What is Mortgage Securitization?
Securitization is the process of bundling mortgages into investment trusts and selling shares to investors. Your mortgage may have been sold to a trust, which then issued bonds backed by the mortgage payments. This process is governed by a Pooling and Servicing Agreement (PSA), a legal contract that specifies exactly how mortgages must be transferred into the trust.
The problem: securitization was done at such volume and speed that proper documentation was frequently skipped. Assignments were backdated to appear as if transfers happened before trust closing dates. Endorsements were missing. Mortgages were transferred into trusts years after the deadlines specified in the PSA.
When a mortgage was not properly transferred into a trust by the trust's closing date, the trust may not actually own the mortgage. A party that does not own the mortgage cannot foreclose on it. This is what a securitization audit investigates.
What We Analyze
PSA Compliance
Whether the transfer of your mortgage complied with the Pooling and Servicing Agreement governing the trust.
Trust Closing Dates
Whether your mortgage was transferred to the trust before its closing date. Late transfers may be void.
Assignment Timing
Whether assignments were executed on time, or backdated to appear compliant.
Endorsement Chain
Whether the promissory note was properly endorsed from the originator to the trust.
REMIC Status
Whether the trust maintained its REMIC (Real Estate Mortgage Investment Conduit) tax status, which requires strict compliance with transfer deadlines.
MERS Analysis
Whether MERS entries are consistent with actual recorded assignments and endorsements.
The Sworn Affidavit Difference
A securitization audit from a non-licensed "audit mill" produces a report. That report may identify defects, but it carries no legal weight. It is opinion, not sworn testimony.
As a licensed Private Investigator, I can swear to my findings under oath. A sworn affidavit is admissible in court. When your attorney presents a sworn affidavit documenting securitization defects, it is evidence, not argument.
This is the single most important difference between MCI and non-licensed audit services. We do not just find problems. We produce court-ready evidence of those problems, sworn by a licensed professional operating under state authority.
What You Receive
Full Audit Report
Complete analysis of securitization chain, PSA compliance, trust closing dates, assignment timing, endorsement chain, and REMIC status.
Sworn Affidavit
Court-ready, admissible sworn affidavit documenting findings, signed by licensed PI #A20449.
Source Documentation
Citations to public records, MERS data, SEC filings, and trust documents supporting every finding.
Attorney Consultation
We are available to discuss findings with your attorney and answer questions about the audit.
Pricing
$1,500 - $5,000
Depending on complexity, scope, and number of trusts involved
Full securitization audit report
Sworn affidavit (court-ready)
Source documentation
Money-back guarantee
Frequently Asked Questions
What is the difference between a securitization audit and a chain of title analysis?
Why does a sworn affidavit matter?
How long does a securitization audit take?
Do you work with attorneys directly?
Ready for a Securitization Audit?
Free consultation. Find out if securitization defects exist in your mortgage.
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