Mortgage Violations, Securitization Fraud & Consumer Remedies (Paperback) (ISBN-13: 9798277252703)

For decades, the mortgage industry has operated behind a wall of secrecy. Borrowers were never meant to understand securitization. They were never meant to question endorsements. They were never meant to look at chain-of-title, audit escrow accounts, or demand validation under federal law.

But the truth is simple:

Most mortgages violate the law the moment they are originated.
And nearly all securitized loans contain defects, fraud, or improper transfers.

This book explains-step by step-how lenders:

• fabricate income and inflate appraisals

• conceal yield spread premiums

• violate TILA and RESPA

• unlawfully split the note and mortgage

• securitize loans without proper assignments

• collect payments they are not entitled to

• foreclose without legal standing

• hide accounting errors

• mismanage escrow

• fail to produce the original note

• ignore validation requests

• violate FDCPA, UCC, and Securities laws

You will learn exactly how to uncover these violations using real evidence, public records, audit techniques, and federal law.

This book is not about theories-it is about provable facts.
And once you understand the system, you will never look at a mortgage the same way again.