Part 1: Chain of Title Investigation (State-Specific)

What We Do:

MCI conducts a Chain of Title Analysis to examine whether a loan transfer (alleged “true sale”) was legally valid. We review documents that claim to pass ownership or enforceable rights to a securitized mortgage loan, including the tangible promissory note and security instrument.

How It Works:

Our investigation compares claimed ownership rights against:

Federal & State Law – including the Uniform Commercial Code (UCC) or state equivalents.

Local Jurisdiction Requirements – statutory filing rules.

Case Law – recent legal precedents.

We determine whether an assignment of a security instrument was eligible for recordation and whether the new assignee is a true party in interest.

Deliverables:

A Sworn Factual Affidavit prepared by licensed professionals. Findings supported by public records and court records. Evidence that withstands legal scrutiny.

Why It Matters:

Understanding the true chain of title ensures that lenders, servicers, and trustees have the lawful right to enforce a mortgage loan. If these rights are broken or improperly conveyed, foreclosure actions may be challenged.

Areas of Focus:

We investigate the union of all elements that create a valid legal right to real property, including:

-The “legal link” between property owners and their deeds.

-Evidence of ownership interests in real property.

-Conditions required for a valid and enforceable claim.

Additional Analysis May Include:

Trust Law for the state where the securitized trust is held.

Endorsements – definitions and examples to counter “endorsement in blank” claims.

Prospectus Supplements (PSAs & 424B5) – to prove trusts often fail to follow their own guidelines.

Workshops & Research Materials – equipping clients with statutes and case updates for foreclosure defense.

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