Posts Tagged ‘mortgages’

I think I’m ready to take on the Bank again since their “Administrative Foreclosure” last year. I feel confident due to the additional information provided in this article.  I already have accused JP MORGAN/CHASE in writing of fraud, corruption, and deception, and now we have cover-up of public records during the Title Search procedure and I believe we also have a DUMMY CORPORATION out of CALIFORNIA  which I believe was actually created and owned by JP MORGAN/CHASE.  It may take a few days to pull my papers together and do the research. All I can say is: “I Am ready to do this NOW.”  Send some good energy my way so every One can be exposed to the light that I getting ready to shine into a very dark situation.

If you are new to the mortgage fraud perpetrated by the PRIVATE CORPARATIONS called the FEDERAL RESERVE SYSTEM in cooperation with the UNITED STATES OF AMERICA, INC. and need more information, I’d recommend reading the article listed below xxfirst:

You Think You Own Your Home, But Your Mortgage Could Be Compromised

By Robert Smith | Red Pill Reports

Angel Lucci

Posted from:

RedPill Report

Learn If Your Mortgage Is Compromised

How To Determine If Your Mortgage Is Compromised

The following Checklist is intended to assist you in making an initial determination as to whether or not your mortgage has been controlled, manipulated, compromised or destroyed.

If you are like me and millions of other Americans, you (1) have been made an involuntarily indentured servant (2) are a serf on what you think is your property (3) are a renter and not a purchaser and (4) will never be able to legally and securely own your home with a clear and legally perfectible Deed after you have made the last mortgage payment on what you THINK is the debt you owe on your Promissory Note.

Learn If Your Mortgage Is Compromised

This condition exists because your property’s Chain of Title is likely Broken and you, many years from now when you ultimately realize you have a serious problem, will be unable legally or otherwise, to obtain the documents required to attempt to perfect your position in the property from the True Lender and Mortgagee because that entity will likely have long since been declared “dead” by a Federal Bankruptcy Court as is currently taking place in the RESCAP Bankruptcy being adjudicated in the U. S. Federal Bankruptcy Court, Southern District of New York.

This initial review is just that, Initial. However, it is highly indicative that you may be the unknowing victim of illegal activity and fraud that has taken place during the course of your home ownership which likely began at, or prior to, loan closing.

It has been shown that this initial review has been very accurately indicative in pinpointing broken Chains of Title in thousands of individual mortgages and has been continually corroborated by the complete analyses of many individual’s mortgage documents after having undergone subsequent in-depth reviews.


This initial review must be accomplished by all mortgage holding homeowners as this is the first step and cannot be circumvented. Once the initial result is determined, the next required step is to do an in-depth analysis of all mortgage documents in your possession to investigate and identify many other areas that are likely to further pinpoint and corroborate issues of illegality and fraud of which you likely are a victim.

This process is not fun, however, it is educational and gratifying to be able to identify, with specificity, the true nature and scope of your problem.

As you go through this process, document your results for future reference as accurately and completely as possible.

Once you get started and decide to become involved with our effort described on the website, we will provide for your use and benefit many forms, procedures and processes developed and used in my own six (6) year effort, to help you minimize effort and stress and to assist you in organizing the documents that, at first, seem insurmountably massive and uncontrollable.

Take solace in the fact that you are doing what many will not do for their own benefit. You are taking positive steps to become educated and informed.

Getting Prepared

Sit at your internet-connected computer with your Mortgage or Deed of Trust (depending on how the document is termed in your State).

Have pen and paper available to write down your notes and thoughts as you go through the process.

Write down everything you think of. Don’t overlook or neglect anything. Your thoughts, ideas and memories of your mortgage transaction are very important.

During the process, you will be instructed to refer to two (2) separate MERS Member OrgID listings. The OrgID is thoroughly described below.

This is one of the most important steps in the process, so pay close attention to detail.

The most complete listing of all MERS Member OrgID’s we have ever been able to acquire is the 2009 listing that was privately posted on the MERS website for a short period after the bubble burst in late 2008. We obtained this listing prior to MERS removing it from their website. To access this list, Click Here:

To insure you accomplish as thorough a review as possible, you will also need to review the currently re-posted listing of all MERS Member OrgID’s once again shown on the MERS website. To access this list, Click Here:

Let’s Get Started

1. Refer to your Mortgage or Deed of Trust.

2. “MERS” refers to “Mortgage Electronic Registration Systems, Inc.”

3. “MIN” refers to “MERS Identification Number.”

This number is of the utmost import and is the controlling number for your Mortgage or Deed of Trust and Promissory Note from the date of closing through the expiration of the loan term. There is no more important factual indicator that your Mortgage or Deed of Trust has been compromised.

4. Look for a MIN on the first page of your Mortgage or Deed of Trust. This is an eighteen (18) digit number and is styled MIN XXXXXXXXXXXXXXXXXX.

Digits 1 thru 7 identify the OrgID of the lender registered with MERS as a MERS Member. These seven (7) digits are referred to as the MERS Member OrgID.

Digits 8 thru 17 identify your loan contract number.

Digit 18 is a single check digit. You need not be concerned with this check digit at this point. It may
come into play upon further review and analysis.
5. The first section of the Mortgage or Deed of Trust is the Definitions section. Locate the Paragraph that
discusses the definition of Lender.

6. If your Mortgage or Deed of Trust is a MERS Mortgage, there will be a definition either immediately before or after the definition of Lender which gives a definition for MERS. The definition generally begins with the statement MERS is Mortgage Electronic Registration Systems, Inc.

7. Refer to digits 1 thru 7 in the MIN Number. Now refer to the two (2) lists of MERS Members and their OrgID’s as discussed above.

You are looking to determine if the name of the mortgage company you think you have dealt with is listed as a MERS Member on either of the two (2) lists and additionally, if the first seven (7) digits in the MIN Number shown on your Mortgage or Deed of Trust match the seven (7) digit MERS Member OrgID shown on either of the two (2) lists.

In many instances, these numbers do not match. This means that the mortgage company you think you borrowed the money from was not the true lender and was simply sitting at the closing table as a Table Funder. This is a MAJOR PROBLEM.

8. Check the section in Definitions that explains the Note. In most cases, the loan number for the Promissory Note will be listed in this section. If the loan contract number is not the same as digits 8 through 17 in the MIN Number, your mortgage has been compromised and likely was sold Prior To filing with the County Recorder’s Office.

9. If your loan contract number begins with one or more zeros (0’s), there likely is a major problem.

10. If, on the first page or so of your Mortgage or Deed of Trust is the statement “(Your State Name) – Single – Family – Fannie Mae/Freddie Mac” this means that both your Mortgage or Deed of Trust and Promissory Note have been prepared in accordance with guidelines specified by Fannie Mae or Freddie Mac to streamline the securitization and sale of the Promissory Note by turning your Promissory Note into Bearer Paper.

11. If the phrase Uniform Instrument With MERS or MERS Modified Form follows the statement in #10 above, the Mortgage or Deed of Trust and Promissory Note have been prepared in accordance with guidelines specifically dictated for MERS by Fannie Mae or Freddie Mac to facilitate the securitization and sale of the Promissory Note as Bearer Paper.

12. Next, go to the MERS website at to see if the Mortgage or Deed of Trust is a MERS Mortgage. MERS Members have the option internally to purchase Non- MERS Promissory Notes and integrate them into the MERS System without you knowing this is being done.
13. Type in the CAPTCHA code on the screen to gain entry. The letters are case sensitive.

14. Single left click on the logon button.

15. On the next screen, single left click on the radio button to the left of the phrase Search Property Address/Borrower Details.

16. Next, single left click on the radio button to the left of the phrase Borrower Name, SSN and Property Zip Code.

17. Next, single left click on the radio button to the left of the phrase Search by Individual Borrower, SSN and Property Zip Code.

18. In the form box that appears, enter the first and last name of the primary borrower, his or her Social Security Number and the property Zip Code.

19. Next, single left click on the Search button.

20. After receiving the search results, read the screen carefully and either print this Page or make a screen shot of it. It should tell you how to identify the current investor.

21. There is an extraordinarily high percentage of mistakes on the MERS Database, so this information must be further corroborated to assure the highest degree of probability as to its accuracy.

22. Next, look at your Monthly Mortgage Billing Statement.

23. If your account number is a ten (10) digit number, you may be a MERS Controlled Customer.

24. If your account number is a ten (10) digit number with one (1) or more leading digits being zeros (0’s), you are either a MERS Controlled Customer or are highly likely the victim of an in-house securitization and sale by your mortgage servicer.

25. Next, refer to your cancelled checks used to make your monthly mortgage payments.

26. If the name of the business to which you have been paying your monthly mortgage bills changes from one name to another, your Mortgage or Deed of Trust has been securitized and sold unless the change can be verified as having been due to a corporate merger.

27. Review the front and back of all your mortgage payment checks to identify the ABA Routing Number, the Account Number and/or the ACH Routing/Transit Number of the account depositing your payments.

28. If any of these three (3) numbers periodically change, you are a victim of securitization and your property’s Chain of Title is likely destroyed. This destruction means you will not own your home after you make your last mortgage payment. All monies invested in the property have been rent payments and NOT purchase payments used to develop equity in the property.

Conclusions and Thoughts

Bank of America, Wells Fargo, Citibank, JP Morgan Chase and many other lenders are Shareholders in MERSCORP, Inc. and its wholly-owned subsidiary, Mortgage Electronic Registration Systems, Inc. (MERS).

Important: These Shareholders control the Boards of Directors of both MERSCORP, Inc. and Mortgage Electronic Registration Systems, Inc. (MERS) and are the very same Shareholders who initially funded and formed these two organizations for the purpose of administratively providing the Shareholders with the privately owned and controlled ability to secretly carry out the massive fraudulent securitization programs that have destroyed the Chains of Title and subsequently the values of millions of residential mortgages.

These entities, in some cases, have separate internal residential mortgage securitization divisions which do not deal directly with MERS. As with MERS, these securitization divisions keep their activities privately internalized.

These entities have proven to be especially adept at circumventing the legal requirements of making statutorily required filings at the County Recorder’s Office.

Failing to accomplish these filings have Broken the Chains of Title on millions of residential mortgages.

Although being the most numerically predominant participant, MERS is not the only entity securitizing and selling Promissory Notes and Breaking Chains of Title.

Although unlikely to be the case, even if it is determined that MERS is not obviously involved in your mortgage, you are not free of risk as many mortgages were privately, without the knowledge of the homeowner, moved into the totally destructive MERS System, AFTER your loan closing had taken place. If this proves to be the situation, we will lead you through an in-depth analysis once you have become involved with our effort.

For a thorough explanation of how the MERS’ operation may have affected you and your family, download and review Sections 18 thru 18-15 in my Whistleblower Jurat Affidavit located in the Documents For Download section at Save Our Family and

After Completing The Checklist

Continue reading at the bottom of this Blog and jump to the next part of this procedure.


Published on May 31, 2013

The IMF, Bank of England, Federal Reserve Bank of New York, Dallas & Chicago publications show money is created when loans are made… not before loans are made…

Original Issue Discounts result from the depositing of YOUR Promissory Note..?

Banks, as an Accommodation Party, withdraw that currency from the central banks and “LOAN” it to you..?

See also and follow a case where such evidence has been asked of the bank.

scott bartle


Thanks Scott for this explanation of the fraud in the banking industry as it relates to loans and mortgages!

Below is a link to a related article that will shed some light on the process of modification which is the same fraudulent process of deception and illusion!

Foreclosure Settlement Fails To Force Mortgage Companies To Improve


Posted from:


This was emailed to me this morning by a friend of mine.  Unfortunately there was no link to the original article nor a date.  If anyone knows this information please let me know so that I can add it to the article here.

…. just a reminder of how unbelievably corrupt the banking system really is.   Not that you guys need that reminder, but I thought it might be a great piece of the puzzle to give to those people who do not yet understand the corruption and illegal nature of the Banking mortgage system.

Edited 02/25/2013 10:52am est to add:

original article link:

Where’s the money?
This question exposes the silly world we live in and how badly we are informed.
The being informed is the core issue and how silly we all are not to think for
ourselves. Trust the media or government actors now have a whole new meaning.
There are approximately 70,000,000 homes in America
let us say that the aggregate average payment would be 2000 per month per home
per mortgage times 70 million homes.
The monthly total is $140 billion per month, Cash Flow.
This works out to 1.68 trillion per year.
The average length of a mortgage is set out in the amortization schedules as 20 years.
20 years times 1.6 8 trillion equals $33.6 trillion dollars.
I repeat $33.6 trillion dollars.
And we bailed out the banks?
Now let us look at the other side.
Where did that $33.6 trillion dollars come from that back the alleged loans to
the homeowners of America?
Good question isn’t it?
Is this 33.6 trillion dollars earned and placed into the money system by the people,
or is it created by the banks?
All of this 33.6 trillion dollars is represented in our homes, a real hard asset, and
we the American homeowner have possession!!!!!   Possession is 9/10 of the law.
Not codified in law or a maxim of law, just an urban legend.
Restated:  In a property dispute (whether real or personal), in the absence of clear and
compelling testimony or documentation to the contrary, the person in actual possession of
the property is presumed to be the rightful owner.  (Check Wikipedia).
And even better is that the titles are in our names in and on the public record as
fee simple ownership in our names.!!!!
The bank system is nothing more than a management system for our labor.
All of our labor is what backs the private money issued by the Federal Reserve,
bank credit.
Simply put we the alleged borrower gave a promissory note to a bank.
The bank exchanged the deed and possession of the house for the promissory note.
A simple exchange, an executed complete contract, paid and complete and closed
by Operation of Law. At that point you have a valid contract with consideration
and exchange of valuable property.
The alleged lender, bank, and its contract contain two parts, the Promissory Note
and the Deed of Trust.  This is a single unit of contract.
The Deed of Trust references the loan received and its note, as a single unit.
When the bank separates its own contracted position splitting the note from the
Deed of Trust, it destroys its own contract.
Thus, Carpenter v. Longan, 83 US 271 controls.  There is no available position
for the bank or those it sold pieced of its contract to, such as securities investors
that could state a claim because there is no valid contract after splitting.
The bank then sells a security, the valuable property we gave the Bank, the
promissory note sold into the open market.  Remember, the law says any note
with a maturation date greater than 9 months is a security instrument.
70% of these securities are guaranteed or backed by Fannie Mae or Freddie Mac,
or FHA, government-sponsored enterprises.
These GSE’s are now in receivership, insolvent, under Federal Housing Finance
Agency, an alleged conservator over the BAIL OUT.
When the bank sold the promissory note as bundled in a security they were paid.
The questions to all American homeowners are:
“Is the bank paid back at that time, when they received the payment for the security?”
“And, could the bank sell securities that have no value?”
Funny how that pesky promissory note has value to the securities buyers, but not
to the bank at the exchange. HOW DOES THAT WORK???????????
The real party in interest holding the security is the only party that could have
claim against our homes. Why?
Because they are the only ones with value in the transaction along with us.
The banks have no value in the transaction, they are simply a transfer agent
in an exchange.
Remember, under 1933/34/35 U.S. Securities’ law, the issuer of the value, you,
the note and Deed of Trust issuer must be advised that the instruments issued
will be used as securities.  No notice, no value later!
It would appear that after the splitting of the note and Deed of Trust and the
securities’ violations that the Promissory Note and Deed of Trust would revert
to chattel property status.
This means a demand for return might expose “Where’s the Money?”.
Given the statements being true, and I can find no evidence that they are not,
the bank proceeds against the homeowner for payments for 20+ years.
But wait!!!!  It gets even better.
The residential market is apparently only 25% of the total property value market
in America. The other 75% is tied up through commercial property, agriculture,
and raw material properties.
Even grade school math and multiplication will tell you that if we use the same
rate of $2000 a month for all of these properties were looking at over $100 trillion
dollars in value.
Essentially were looking at 130 to 140 trillion dollars in real estate assets.
Where’s the money???????????
Isn’t it held secure in our property that we have title to and possession of.
If the banks cannot identify where the Trillions of dollars came from, for an
alleged loan, funds such as depositors or investors funds, disclose the history
of these funds, and the true ownership, along with a transfer document proving
they release their ownership of their property, the trillions of whatever, then the
banks have no interest in our properties.
Is this so simple that it strikes all of you readers the same way?????
Lets finish up the silliness!!!!
For example, I am your debtor and I owe you one million dollars (FRN’s):
I say I will pay you back in 1 Million seconds and 1 Million seconds = approximately 12 days.
I say I will pay you back in 1 Billion seconds and 1 Billion seconds = approximately 32 years.
I say I will pay you back in 1 Trillion seconds and 1 Trillion seconds = approximately 32,000 years.
This is now, according to bankers and politicians and judges, 130-140 times 32.000 years, so how many years is that? REALLY SILLY ISN’T IT WHEN THE SIMPLE FACTS AND TRUTH ARE TOLD!!
The allegory of seconds is to give you a scope of what a TRILLION IS.  Try for a clear set of visuals.
Careful, don’t go into shock!
Foreclosure by a Bank or Trustee, or Attorney, or Assign is a Trespass on Title,
invasion of executed contract.
Seems like open theft, Breach of Peace, to me.
This is how simple, on point, direct questions expose the Truth.
Principles first, facts second, law third, and the procedure of a simple
question, “Where is the Money?”
Truth is sometimes stranger than the fictions we live in.
From a reviewing associate:
This added proposal should be passed around for discussion
so we can decide together what to do with it.
Now, here is the question we should all be asking ourselves;
“Do we want to change the debt slavery system to a monetary
system, “a money system”, and get ourselves out from under
their debt-slavery system?
Here is how this can be done in a matter of days.
On July 4th 2013 everyone stop paying all mortgages (residential and commercial), credit card debt and all unsecured loans.
It will only work if a majority of the people and corporations will commit to doing this.
You must get this out to everyone you know between now and July 4th for it to work so we all get out from under the debt slavery system.
We the people have all the power if we choose to use it.