Texas Mortgage Fraud & Foreclosure Investigations
Identify whether your bank has a lawful, enforceable claim to your property with MCI’s “MVP” Chain of Title Investigation.
Our Key Services Include:
-Chain of Title Investigation – Review and analyze loan transfers to determine legal ownership.
-Mortgage Fraud Investigation of Securitized Loan Instruments – Examine mortgage securitization to uncover irregularities or unlawful claims.
Why Choose MCI:
MCI provides expert, state-specific analysis to help homeowners, attorneys, and advocates understand their legal rights and take informed action. Every investigation is backed by sworn affidavits, public and court records, and compliance with federal and state law.
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.