A Chain of Title Investigation is an attempt to establish a clear and unbroken chronological record of ownership for a specific piece of property for the current homeowner. This investigation attempts to establish or trace the successive conveyances of title or endorsements, starting with the current Deed of Trust and going forward through the securitization process. Each lender is linked to the previous lender, and to any subsequent lenders, through transfers and endorsements, forming a chain of title as disclosed through various public and private databases.

This is tantamount to establishing a Chain of Custody. 'Chain of Custody' refers to the chronological documentation or paper trail (endorsements, assignments and or/any allonges) clearly showing the seizure, custody, control, transfer, analysis and disposition of title to property.

Our Chain of Title Investigation is conducted by Texas State Licensed Private Investigators who will do a complete, thorough and competent Investigation into both public and private documents concerning a homeowner's property.

Public Records Investigation includes investigation of all public records regarding a homeowner's property.

Background checks on individuals who signed those documents are conducted to ascertain the validity of the individual themselves. Many times we find that these individuals, in fact, are robo-signers, are bankrupt, never had a state-issued ID, have multiple social security numbers, have multiple birth-dates, have multiple aliases, and/or are disbarred attorneys acting as trustees. In one instance we even found that legal documents were being signed in one state by an "individual" who had passed away three years earlier in another state.

The documents filed into the county records with these individuals' signatures have compromised the integrity of the banking system, judicial system and the county records system.

In order to establish what the homeowner's chain of title should look like, our "Real Property Asset Securities Audit" is conducted to establish the movement of the mortgage in the secondary securities market and shows the Private Investigator what the public records are supposed to be regarding the transfer and "true sale" from one entity to another.

In addition, your Private Investigator, using your private pre-closing, closing and post-closing documents, will also have a NAMU Certified Forensic Loan Auditor conduct a Forensic Mortgage Loan Audit to ascertain whether State and Federal Consumer protection laws, rules and regulations were followed during the origination of the mortgage, and that the mortgage was perfected so as to create an enforceable lien instrument.

*** For all of our client homeowners who are already in foreclsoure, we will have the foreclosure thoroughly investigated to validate the integrity and status of the individuals who are pursuing the foreclosure. ***

A gap in a chain of title creates a break in the strength of this chain (referred to as a 'cloud on title'). A cloud on title creates uncertainty, putting the property owner at a potential disadvantage! To help the reader easily understand this, the "Securitization" of home loans is the pooling and selling of the cash flow from thousands of mortgages. Mortgages are pooled into an entity, often referred to as a 'Special Purpose Vehicle' (SPV) or 'Trust', in order to separate them from the banks who originally lent the money.

The structures of these transactions are governed by State and Federal Rules and Regulations, as well as by the terms of the Pooling and Servicing Agreement (PSA) that creates the trust. The PSA is the primary contractual document between all parties involving the transfer of specific home loans from the Originator, Servicer, and ultimately to the specific Trust. The general language in a PSA provides for the following regarding an "unbroken chain of endorsements":

"In connection with such sale, the Depositor has delivered to, and deposited with, the Trustee or the Custodian, as its agent, the following documents or instruments with respect to each Mortgage Loan so assigned: (i) the original Mortgage Note, including any riders thereto, endorsed without recourse (A) in blank or to the order of "bank" or (B) in the case of a loan registered on the MERS system, in blank, and in each case showing an unbroken chain of endorsements from the original payee thereof to the Person endorsing it to the Trustee"

The Trust is required to have an unbroken chain of endorsements from the original payee to the person endorsing it and to the Trustee. This requirement stems from a particular business concern in securitization -- namely, to evidence that there was, in fact, a "true sale" of the securitized assets and that they are in no way still property of the originator, sponsor or depositor, and thus not subject to future claims made by creditors of the originator, sponsor or depositor.

A broken Chain of Assignments renders the "Deed of Trust" void and unenforceable under UCC 3-201, 3-204 & 3-302 and, as such, no triggering of the foreclosure clause in the Deed of Trust is possible.

In short, if a break in the chain of title has occurred, a cloud on title is created, and the foreclosure clause in the Deed of Trust cannot be triggered.

It's easy to get started. First and foremost, you must gather all pre-closing, closing and post-closing documents, along with any letters or notices provided by any lenders/servicers. Additionally, if you are already in foreclosure we will need all of your foreclosure-related documents as well. Because, as we realize, the documents we'll need from you can potentially amount to a sizeable package, and because we receive many such packages, your organization of the documents you send us in a fashion that makes them easily accessible will enable us to begin our work for you immediately. Please make copies of these documents and send them to us to be scanned into PDF file format.

The County Clerks and Judges have a duty to safeguard the integrity of both the county and court records. This was for centuries the foundation of our trust in the public records system. The recent disintegration of these records in the various states' county records and courts have severely compromised this integrity.

If the "public trust" in the public recording system is compromised it undermines the rule of law.

In order to restore this trust, the American people need to remove, by way of an Honorable Judge, any documents that compromise the integrity of the public records system. Problems, however, can be encountered in this judicial record removal:

• Judges can not be expected to be experts in every facet of every case that goes through their courts. That is why the judicial system has experts in specific fields.
• Judges are not expert forensic loan underwriters.
• Judges are not experts on finding where the mortgage is in the secondary market.

Our duty as Americans is to assist the Honorable Judges of these courts in maintaining integrity and public trust. In order to do just that, we can provide you with samples of Ex Parte hearings wherein homeowners and/or their attorneys have submitted our Investigative Report, along with all the supporting evidence, for an administrative judicial review process. The purpose of this process is to have the Honorable Judge of said court make a determination of the facts regarding the public record documents pertinent to your property, and of the validity of those documents.

Based on the cases we have reviewed, and in some instances with the homeowner being the only "real party in interest," the home's title is cleared (removing the 'cloud on title') and handed to the homeowner free of any encumbrances and or liens.

Endless Fraud Detection Services is a Texas State licensed Private Investigation company [license # a-17660] and, as a Better Business Bureau accredited business, we are a "Consumer Advocate" and "Due Diligence" industry leader that empowers our clients to achieve their tactical and strategic goals by unifying technology solutions, reducing costs, decreasing overall time, and seamlessly managing these complex processes to encourage individuals in this country to enforce their "Rights of Remedy!"

We are not a Law Firm, so we can not represent you, offer legal advice or provide you with legal council (although we have a limited network of attorneys that can do that). We are not a loan modification company. We do not do short sales. We cannot file paperwork for you in a court of law in any way, and we cannot stop a legal action against you, although proper utilization of our products and services has been effective for some of our clients in stopping, for instance, foreclosure processes.

Please contact our staff by web, telephone or traditional mail to get started. As time lines in foreclosure processes are very strict and precise, there's no time to waste!