TOP INDICATORS/SIGNS YOU PROBABLY HAVE A FALSE DOCUMENTS AND A VICTIM OF FORECLOSURE FRAUD
1. Any document signed by an officer of MERS. MERS states at www.mersinc.org that: Employees of the servicer will be certifying officers of MERS. This means they are authorized to sign any necessary documents as an officer of MERS. The certifying officer is granted this power by a corporate resolution from MERS. In other words, the same individual that signs the documents for the servicer will continue to sign the documents, but now as an officer of MERS.
2. The signor of the document states that they are acting “solely as nominee” for some other party.
3. The document was notarized in Dakota County, Minnesota
4. The document was notarized in Hinnepin County, Minnesota
5. The document was notarized in Duval County, Florida
6. The document was notarized in Palm Beach County, Florida
7. The document was notarized in Pinellas County Florida
8. The document was notarized in San Diego, CA
9. The document was notarized in Fulton County, GA
10. The document was notarized in Polk County, IA
11. The document was notarized in Travis County, Texas
12. The document was notarized in Harris County, Texas
13. The document was notarized in Salt Lake County, Utah
14.The document was execute the same day it was filed with the Court
15.The party who signed the document executed it as “an authorized agent” for the servicer or the Plaintiff.
16.The party who signed the document executed it as “an attorney in fact” for the servicer or the Plaintiff.
17.The name of the signing party is stamped on the documents in block letters.
18.The name of the servicer or Plaintiff is stamped on the document in block letters.
19. The document appears to be a standard form with “fill-in-the-blanks” for the names of the signors and entities.
20. The paragraph numbers are not consistent (for example the first page may end with paragraph 7 and the second page may start with paragraph 10)
21. The party who signed the document and the notary are the same person.
22. You cannot read the signature of the signor and the name is not printed out on the document. (some people refer to these a “squiggle marks”) The bottom line is you cannot decipher any name or word on the document.
23. The signature on the document consists of one loop in the shape of an “S” or something that looks like an “8”.
24. The date of the signature and the date of the notarization are not the same.
25. The same “officer” or Vice President” of a mortgage company or lender is also the “Vice President” or “officer” of many other entities or lenders in the chain of assignments or endorsements.
26. The same “officer” or “ Vice President” of a lender signing the documents is located in various cities throughout the United States.
27. The document includes numerous pre-stamped names and signatures.
28. The document includes a second page or last page notarization that does not conform in type font, style, format, texture, age, from the primary pages of the document.
29. Backdating effective dates on assignments.
30. Signatures of officers are dated years after an entity has been out of business, merged with another company or filed for bankruptcy.
31. The party who signed the document executed it as a representative of the servicer.
32. The notary failed to attach a notarial seal.
33. The notary failed to sign the notarization.
34. The name of the party appearing before the notary is blank.
35. The name of the party appearing before the notary is block stamped.
36. The endorsement is not at the foot of the note, but on a separate page or allonge to the note. (if there is room at the foot of the note, the endorsement must appear there. An allonge may only be used if there is insufficient room at the foot of the note for the endorsement)
37. The document purports to assign the mortgage or the deed of trust from the originator directly to the trust.
38. The document that purports to assign the mortgage of deed of trust to the Trust is dated BEFORE the Trust was registered with the SEC.
39. The document that purports to assign the mortgage of deed of trust to the Trust was signed AFTER the cut-off date for the transfer of all such to the Trust pursuant to the Pooling and Servicing Agreement.
40. The origination date on the mortgage note is not within the origination and cut-off dates provided for by the terms of the Pooling and Servicing Agreement.
41. The mortgage note is assigned rather than endorsed from Party “A” to Party “B” or from any party to another party or entity.
42. The mortgage note is endorsed from the originator to the securitized Trust.
43. The mortgage note is endorsed from the originator to the current mortgage servicer.
44. The mortgage note is endorsed from the originator to the depositor for the securitized trust.
45. The affidavit is a “Lost Note Affidavit” filed by the mortgage servicer.
46. The affidavit is a “Lost Note Affidavit” filed by the Trustee for the securitized Trust and claims they never received the original Note. ( You can only file a lost note affidavit under the UCC if you possessed the Note before it was lost)
47. The assignment of mortgage or deed of trust was filed or signed after the filing of the bankruptcy case.
48.The assignment of mortgage or deed of trust was filed or signed after the foreclosure proceeding began/was filed.
49. The assignment of mortgage or deed of trust was filed or signed after the filing of the Motion for Relief from Stay in Bankruptcy Court.
50. The affidavit was signed by an employee MR Default Servicers or has the MR Default Servicers information on the document as an identification number.
51. The affidavit was signed by an employee Promiss Solutions or has the Promiss Solutions information on the document as an identification number.
52. The affidavit was signed by an employee NDEx Technologies, LLC or has the NDEx information on the document as an identification number.
53. The affidavit was signed by the same attorney that signed the foreclosure complaint.
54.The affidavit was filed by an employee of the attorney that filed the foreclosure complaint.
55. The documents are clearly two photocopies of the same document with different information filled in regarding the names of the assignore and assignee.
56.The Note is stamped with the following: “Certified True Copy”.
57. The signature of the Vice President states that they are a Vice President of Lehman Brother Holding Company, but the printed or stamped name on the document is Lehman Brothers Bank, FSB.
58. The document is signed by a “Bank Officer” without any designation of the office/position held.
59. The affidavit is signed by the “designated agent” of any entity or party.
60. The affidavit includes one or more bar codes. ( Similar to the bar codes you see on items at the grocery store, etc)
61. Any document signed by an individual who states that they are the “legal coordinator” for any entity involved in the lawsuit or chain of custody.
62. The return address on the Assignment or affidavit is to a third party provider, such as Financial Dimensions, Inc, FANDO or FNFS.
63. The transferor and the transferee have the exact same physical address including the same street and/or P.O. box numbers.
64. The document bears the image: “This is not a certified copy”
65. The document refers to a Power of Attorney, but no such document is attached or filed and recorded.