Subpoena Compliance Officer at the time the loan was made

Last night on the Neil Garfield Show, Charles Marshall brought up the idea of the use of the subpoena power of the court. I agree that this is a way of lawfully penetrating into the inner recesses of the alleged loan process. People ask me to whom should they issue a subpoena? Opinions vary. But I would say the person who served as compliance officer at the time was being “underwritten.” You’ll probably find out that loan was not underwritten by the originator. But more than that you will find that there exists a witness who can say what really happened at the alleged “loan closing.”

See below for a short list of questions that might be posed at the deposition of such a witness.

Let us help you plan your discovery requests and defense narrative: 202-838-6345. Ask for a Consult.
Purchase now Neil Garfield’s Mastering Discovery and Evidence in Foreclosure Defense webinar including 3.5 hours of lecture, questions and answers, plus course materials that include PowerPoint Presentations. Presenters: Attorney and Expert Neil Garfield, Forensic Auditor Dan Edstrom, Attorney Charles Marshall and and Private Investigator Bill Paatalo. The webinar and materials are all downloadable.
Get a Consult and TEAR (Title & Encumbrances Analysis and & Report) 202-838-6345. The TEAR replaces and greatly enhances the former COTA (Chain of Title Analysis, including a one page summary of Title History and Gaps).
https://www.vcita.com/v/lendinglies to schedule CONSULT, leave message or make payments. It’s better than calling!
THIS ARTICLE IS NOT A LEGAL OPINION UPON WHICH YOU CAN RELY IN ANY INDIVIDUAL CASE. HIRE A LAWYER.
—————-

SeePAPER CHASE AND MONEY CHASE — THE CASE AGAINST CHASE

There are dozens of questions to ask. But I think the following list is a guide toward strategically posing the right questions:

  1. Do you review all prospective loans?
  2. What risks are you looking for? Define them.
  3. What are the primary risks of loss in closing a loan in today’s marketplace?
  4. Does the prospect of “sale” of the debt, note or mortgage affect your risk analysis?
  5. Is the bank using a warehouse lender?
  6. Is the bank making the loan or playing the role of originator?
  7. Is the bank the intended ultimate secured party on the mortgage?
  8. Is the bank the intended ultimate recipient of monthly payments as described in the note?
  9. What is the annual rate of mortgage originations in principal dollars for the bank.
  10. Does the bank have buy-back exposure on its loan originations?

28 Responses

  1. Kalifornia
    thanks for pitching in but i must say i am overwhelmed by the many miscellaneous references without specific direction as to what they are each supposed to mean to us… in hindsight, if you put your argument and resources into a single PDF document on a google drive link and just give us the headlines – it might not drive me insane.
    ‘boots

    Like

  2. @ James Kelley & ALL

    Please confirm that the Custodial Agreement (Fannie Mae Form 2003 and/or Fannie Mae Form 2010) also should face a supoena?

    https://www.fanniemae.com/content/eligibility_information/document-custodians-requirements.pdf

    ~~~~

    FANNIE MAE Requirements for Document Custodians

    June 30, 2015

    The Custodial Agreement (Fannie Mae Form 2003 or Fannie Mae Form 2010)

    The Custodial Agreement (Fannie Mae Form 2003 or Fannie Mae Form 2010, as applicable) evidences the custodial relationship among Fannie Mae, the Servicer, and the Document Custodian wherein the Document Custodian agrees to hold, for the exclusive use and benefit of Fannie Mae and for the Servicer (in its capacity as Servicer for Fannie Mae and not as owner of any interest in the Documents), certain specified documents that pertain to mortgages delivered to Fannie Mae as part of an MBS pool purchase transaction. A Servicer must have a separate Custodial Agreement in place with each Document Custodian with which the Servicer has a relationship. In the case of a concurrent sale, the Servicer must execute the Custodial Agreement. If there is a sub-
    Servicer, the Servicer is still the party that must execute the Custodial Agreement.

    Upon receipt of the Servicer-signed Custodial Agreement, the Document Custodian must verify that the following information has been entered on the original Form 2003 or Form 2010:

    The Custodian institution legal name;

    The Lender (i.e., Servicer) institution legal name;

    The effective date of the Agreement (must be completed on the cover page);

    The Servicer’s Fannie Mae Seller/Servicer number;

    The Servicer’s contact information (contact name, address, telephone number, fax number); and

    The Servicer point of contact original signature and printed name and title. The Document Custodian must enter its full legal name, address, and 11-digit Financial Institution Number (FIN) on the original Form 2003 or Form 2010 and sign the form. By executing the Custodial Agreement, the Document Custodian certifies that it meets Fannie Mae’s standards for Document Custodians and agrees to review and hold all documents required by Fannie Mae.

    The Document Custodian must return the executed original Form 2003
    or Form 2010 to Fannie Mae at the following address:

    Custodian Oversight
    Fannie Mae
    13150 Worldgate Drive, Mail Stop 5H-3W/SF
    Herndon, VA 20170

    Like

  3. @ ALL

    https://www.adfinet.com/forms/fnm_AllowForeclosure_0216.pdf

    ~~~~

    FANNIE MAE

    February 10, 2016

    Allowable Foreclosure Attorney Fees Exhibit

    Like

  4. @ ALL

    Subpoena, subpoena, and again: subpoena.

    https://nfronline.com/documents/FNMA%20SVC-2015-15.pdf

    ~~~~

    December 16, 2015

    FANNIE MAE

    Servicing Guide Updates

    The Servicing Guide has been updated to include the following:

    • Updates to the Servicing Defect Remedies Framework
    • Updates to Borrower Outreach Requirements
    • Updates to Requirements Related to Execution and Retention of Loan Modification Agreements
    • Updates to SCRA – Notification and Calculating Payment Requirements
    • Extension of Increased Borrower Incentives for Mortgage Release ™
    • Clarifications Related to Property Inspections for Mortgage Release
    • Updates to the Forbearance Extension Request Template
    • Updates to Filing Proofs of Claim – Form 41 OA
    • Reminder of the Servicer’s Obligation to Escalate All Non-Routine Litigation
    • Miscellaneous Revisions

    Each of these updates is described below. The servicer must review each topic in the Servicing Guide in its entirety to gain a full understanding of the policy change(s).

    Like

  5. @ ALL

    Apparently the web-link to FANNIE MAE’s Non-Routine Litigation Form (Form 20) is not working.

    The link to the content below:

    https://www.fanniemae.com/content/guide/servicing/e/1.3/01.html

    “Note: Fannie Mae reserves the right to direct and control all litigation involving a Fannie Mae mortgage loan, and the servicer and any law firm handling the litigation must cooperate fully with Fannie Mae in the prosecution, defense, or handling of the matter.”

    ~~~~

    March 14, 2018

    FANNIE MAE

    E-1.3-01: General Servicer Responsibilities for Non-Routine Matters (11/12/2014)

    “Non-routine” litigation generally consists of an action that, regardless of whether Fannie Mae is a party to the proceeding

    seeks monetary damages against Fannie Mae, its officers, directors, or employees;

    challenges the validity, priority, or enforceability of a Fannie Mae mortgage loan or seeks to impair Fannie Mae’s interest in an acquired property and the handling of which is not otherwise addressed in the Servicing Guide; or

    presents an issue that may pose a significant legal or reputational risk to Fannie Mae.

    The following table describes the servicer’s responsibilities related to non-routine litigation.

    Like

  6. @ ALL

    https://www.fanniemae.com/content/announcement/svc1504.pdf

    ~~~~

    Servicing Guide Announcement SVC-2015-04

    March 18, 2015

    Servicing Guide Updates

    The Servicing Guide has been updated to include the following:

    Updates to the Use of Multiple Custodial Accounts

    Updates to Property (Hazard) and Flood Insurance Losses

    Updates to Delinquency Status Code Hierarchy and Definitions

    New Requirements for Reimbursing Fannie Mae for a Cancelled Mortgage Loan Modification

    Updates to Fannie Mae Standard and Streamlined Modifications

    Updates to Notifying Fannie Mae of Changes to a Servicer’s Organization

    Introduction of the Non-Routine Litigation Form (Form 20)

    Each of these updates is described below. The servicer must review each topic in the Servicing Guide in its entirety to gain a full understanding of the policy change(s).

    Like

  7. @ James Kelley

    Please confirm that the Loan Schedule (Form 1068 or 1069) and/or the Schedule of Mortgages (Form 2005) also should face a supoena?

    ~~~~

    http://housingforall.org/wp-content/uploads/2015/10/fannie-on-MHs-04-03.pdf

    June 24, 2004

    FANNIE MAE

    This Announcement discusses Selling and Servicing Guide changes that update, clarify, or amend our current requirements or update policies that have been impacted by recent federal regulations.

    Selling Guide Part I: Lender Relationships; Chapter 2, Contractual Relationship; Section 203, Assignment of Servicing.

    The following text replaces Section 203:

    When we purchase or securitize whole mortgages or participation pool mortgages,we allow a lender that does not want to service the mortgages to assign automatically the servicing of the mortgages to another Fannie Mae-approved lender that is approved to service the particular type of mortgages for which the servicing is being assigned. The lender notifies us of the assignment of servicing by designating the 9-digit lender identification number that Fannie Mae has assigned to the assignee servicer on the Loan Schedule (Form 1068 or 1069) or the Schedule of Mortgages (Form 2005) and, if required, by including in its delivery package mortgage assignments prepared in accordance with Part IV, Section 402, of this Guide. If the servicer that
    will service the mortgages for Fannie Mae is servicing the mortgages for the lender before the lender delivers the mortgages to Fannie Mae, and the contractual relationship between the lender and the servicer is such that no assignment is legally necessary, then the lender may simply designate the servicer by notifying us as above
    described.

    An assignment of servicing should be documented by a separate contract between the lender and the assignee servicer that provides (among other things) for the transfer of the servicing of the mortgages as of an effective date that is not later than the date we purchase the mortgages for our portfolio or the issue date for the MBS
    pool. (If the transfer of actual servicing responsibilities from the lender to the assignee servicer has not already taken place, but will become effective concurrent with our purchase or securitization of the mortgages, we expect the transfer to take place in accordance with
    the requirements for transfers of servicing that are included in Part I, Section 205, of the Servicing Guide.)

    By designating another lender as servicer of the mortgages on the
    Loan Schedule (Form 1068 or 1069) or the Schedule of Mortgages (Form 2005), the lender represents and warrants that with respect to such mortgages: (a) the servicer has agreed to
    service the mortgages for Fannie Mae, and (b) the provisions of any agreement between the lender and any other party providing for servicing the mortgages will not continue after the date on which Fannie Mae funds the cash delivery or issues the MBS.

    Like

  8. @ ALL

    https://donnashi.com/NO-RATING-LIST-FNMA-GUIDELINE-BANK-RESPONSES.pdf

    FANNIE MAE

    D1­3­02: Lender Post ­Closing Quality Control Review of Approval Conditions,Underwriting Decisions, and Documentation (05/31/2016)

    Pledge of Servicing

    The Selling and Servicing Guides address a seller/servicer’s ability
    to pledge servicing rights but do not address a seller/servicer’s ability to transfer an interest in servicing income. As a result, both Guides have been updated. Selling Guide references to pledging servicing rights and transferring an interest in servicing income are
    being aligned with the changes made in the Servicing Guide released on November 25, 2015. Lenders will continue to be directed to the Servicing Guide for detailed guidance.Updated Selling Guide Topics

    Chapter A3-3, Third-Party Lending Functions and Servicing Arrangements (new title)

    A3-3-01, Outsourcing of Mortgage Processing and Third-Party Originations (Approval Procedures, Management Procedures for Third-Party Originations)

    A3-3-03, Other Servicing Arrangements (expanded Pledge of Servicing Rights and Transfer of Interest in Servicing Income block moved here)

    Effective Date

    Lenders are encouraged to implement these policy changes immediately, but must implement the changes by January 1, 2016.

    Like

  9. ????

    Calyx Software

    Uniform Closing Data in Point Webinar Q&A

    Included in a separate section below are answers to questions specific to Fannie Mae. For additional information from Fannie Mae and Freddie Mac, refer to the UCD FAQs.

    http://www.calyxsoftware.com/training/webinars/Point-Uniform-Closing-Data-QA.PDF

    Like

  10. @ ALL

    https://www.fanniemae.com/content/guide_form/dus-guide-forms.html

    FANNIE MAE DUS Forms & Exhibits

    Form Title Exhibit Number Form Number

    12 Month Notice to Borrower (In Place Loans) XIII-2
    12 Month Notice (Choice Loans) XIII-1
    12 Month Notice-Marketing Oriented (Choice Loans) XIII-1a
    6 Month Notice to Borrower (In Place Loans) XIII-2a
    Return to Top
    Action Code Reject Report (LRR52901) XI-23
    Addendum to Risk Sharing agreement III-54
    Application for Fannie Mae Approval II-1 1000
    Application for Partial Release V-2 236
    Appraisal Report and Addendum III-4 1050
    Appraisal Report – Residential Income Property III-4a
    ARM Mortgage Instructions IV-5a
    Assumption of Liability Endorsement III-47 858
    Authorization for Verification of Credit and Business References II-2 1001
    Return to Top
    Cash Disbursement Request XI-28 571
    Certificate of Lender XIV-4
    Certification to Project Rent Roll and Instructions III-3 4243
    Certified Multifamily Ownership and Loan History Statement III-13
    Checklist of Issues to Consider In Doing a Workout Analysis V-23
    Commitment Request Worksheet XIV-3
    Comparison of Same Month Pooling Delivery and Standard Delivery XI-10
    Consent to Interim Loss Sharing Agreement VII-2
    Construction Advance Loan Delivery Package Table of Contents XV-2 4517.FCAL
    Counsel Designation Request 4625
    Credit Enhancement Activity Report XIV-5 4090
    Credit Enhancement Information XI-9
    Credit Enhancement Information XIV-2
    Custody Document Transmittal V-5 276
    Return to Top
    Description of Insurance Policies III-11
    DUS Collateral Notification Form VII-4
    DUS Delinquent Loan Report VII-1
    DUS Final Settlement of Loss Calculation VII-5
    DUS Interim Loss Sharing Request for Reimbursement Report VII-3
    Return to Top
    Electronic Delivery Option Consent Form Signature Page 4634
    Engagement Letter for Appraiser and Instructions V-21
    Engagement Letter for Environmental Consultant and Instructions V-22
    Engagement of Counsel Letter and Instructions V-20
    Example of Yield Maintenance Calculation In Connection with a Full Prepayment V-3
    Example of Yield Maintenance Calculation In Connection with a Partial Prepayment (application of LOC Proceeds) V-4
    Return to Top
    FHA Pre-application for a Reservation of Risk Sharing Units III-48
    FHA Risk Sharing Sources and Uses Statement III-50
    Final Maturity Due Date (LRR02801) XI-21
    Form of Bailee Letter (Warehouse Bank) – MBS/DUS XI-6
    Form of Bailee Letter (Warehouse Bank) – Cash Purchase III-35
    Form of Commitment Confirmation IV-2
    Form of Commitment Confirmation (DUS ARM) XII-1
    Form of Commitment Confirmation (MBS/DUS) XI-1
    Form of Opinion of Counsel to Issuer of Letter of Credit IV-6
    Return to Top
    Ground Lease Analysis III-14 461
    Return to Top
    HUD Region Codes and State/Area Codes and Jurisdictions III-49
    Hedge Delivery Information 4643
    Return to Top
    Instructions for Preparing the Construction Advance Loan Delivery Package XV-3 4600.FCAL
    Instructions for Preparing the Rate Lock Loan Delivery Package XV-6 4600.FRLL
    Insurance Loss Payee Notice Letter V-24
    Irrevocable Letter of Credit and Sight Draft III-6
    Return to Top
    Late and Partial Payment-Fees (Optional) Assessed Form Letter and Instructions V-16
    Late Payment-Fees Assessed form Letter and Instructions V-13
    Late Payment-No Fees form Letter and Instructions V-12
    Lead-Based Paint O&M Agreement X-3
    Lender Recap Report (LRR01201) XI-19
    Lender Record Information II-3 582
    Lender Substitution Notice Cover Memo 4647
    Letter of Authorization for Multifamily Collateral Agreement Custodial Account and Instructions VI-9 2051
    Letter of Authorization for Multifamily P&I Custodial Account and Instructions VI-8 2050
    Letter of Authorization for Multifamily T&I Custodial Account and Instructions VI-10 2052
    Letter of Credit Certification Form III-7
    Return to Top
    Master Electronic Delivery Agreement and Instructions XI-8
    MBS/DUS Participating I with Subordinate Mortgage Financing Provided by Krupp XI-11
    MBS/DUS Participating II with Subordinate Mortgage Financing Provided by Krupp XI-12
    Modified Risk Supplement III-51
    Monthly Payment/Rate Change and Instructions XII-2 2040
    MORNET Version of Multifamily Financial Analysis of Operations V-7 4254
    Mortgage Bankers Financial Reporting Form II-6 1002
    Mortgage Purchase Summary III-8 4249
    Multifamily ARM Conversion Underwriting Form XII-3
    Multifamily Asset Management Delegated Transaction Form 4636
    Multifamily Authorization for Automatic Transfer of Funds and Instructions VI-7 1055
    Multifamily Collateral Agreement Custodial Account Analysis and Instructions VI-3 487
    Multifamily Document Request Release Form 4646
    Multifamily MBS/DUS Pool Delivery and Instructions XI-2
    Multifamily Pricing Screen (Cash) IV-1
    Multifamily Principal and Interest (P&I) Custodial Account Analysis and Instructions VI-1 485
    Multifamily Taxes & Insurance (T&I) Custodial Account Analysis and Instructions VI-2 486
    Return to Top
    No Payment-Fees (Optional) Assessed Form Letter and Instructions V-17
    Notice of Lender’s Address/Wiring Instructions 4259
    Return to Top
    Officer’s Certificate 4258
    Return to Top
    Partial Payment-Fees Assessed Form Letter and Instructions V-15
    Partial Payment-No Fees Form Letter and Instructions V-14
    Permanent Mortgage Loan Conversion Package Table of Contents XV-7 4517.FPML
    Phase II Environmental Assessment X-2
    Physical Needs Assessment Forms and Instructions III-12
    Physical Needs Assessment Forms and Instructions (abbreviated) III-12a 4610/4610a
    Pool Deficiency Summary/Guaranty Fees to Be Paid Report (LRR53901) XI-24
    Pool-to-Security Reconciliation Detail Report (LRR54101) XI-25
    Pre-Construction Monitoring Package XV-4 4543
    Pre-negotiation Form Letter and Instructions V-18
    Pre-negotiation Form Letter-Milder Version that deletes NOI and Loan Document Provisions and Instructions V-19
    Property Assessment Form 4262
    Property Assessment Form – Catastrophic Loss 4261
    Property and Liability Insurance Warranty III-10
    Property and Liability Insurance Warranty (Streamlined) III-10a
    Prospectus Supplements for MBS/DUS Participating I and II XI-4
    Return to Top
    Rate Lock Loan Delivery Package Table of Contents XV-5 4517.FRLL
    Receipt of Gap Collateral 4649
    Reconciliation of Interest Rate/Pass-through Rate and Instructions XI-27 473a
    Reconciliation of LASER Mortgage Portfolio and Instructions XI-26 473
    Remittance Update Report (LRR01401) XI-20
    Report of Multifamily Hazard Insurance Loss V-1 178
    Request for Approval of Multifamily Servicing Transfer II-7 630
    Risk Sharing Request Data Sheet III-55
    Return to Top
    Section 8 Housing Assistance Payment “HAP” Review Sheet III-36
    Standard Flood Hazard Determination (FEMA form 81-93) III-46
    Standard MBS/DUS (Example of Prepayment Premium Calculation using the Yield Maintenance Option), MBS/DUS Bond Credit Enhancement (Example of Prepayment Premium Calculation), and MBS/DUS Participating I and II (Example of Prepayment Premium Calculation) XI-5
    Standard form MBS/DUS Prospectus Supplement XI-7
    Streamlined Underwriter’s Narrative 4605
    Streamlined Underwriter’s Narrative Spreadsheets 4605a
    Substitution Sponsor Eligibility Request Form 4648
    Surveyor’s Certificate III-5
    Return to Top
    Title Insurer Rating Agencies III-34
    Transaction Type 32 (Servicing Transfer Record) XI-18
    Transaction Type 80 (Subservicer Transaction Record) XI-17
    Transaction Type 81 (Lender Loan I.D. Change Record) XI-16
    Transaction Type 82 (Loan Address Change Record) XI-15
    Transaction Type 96 (Loan Activity Record) XI-14
    Trial Balance Report (LRR03201, LRR53101, LRR53601) XI-22
    Return to Top
    Underwriter’s Narrative III-2
    Return to Top
    Watchlist Action Plan 4645
    Weekly Variable Rate Demand Bond – Information for Closing Memo XIV-8
    Wire Transfer Instructions IV-7 4639

    Like

  11. @ ALL

    (Thanks to James Kelley’s clue; to consider for subpoena duces tecum)

    https://www.fanniemae.com/singlefamily/selling-servicing-guide-forms

    FANNIE MAE
    Selling and Servicing Guide Forms

    Form Title

    Form 20 Non-Routine Litigation Form
    Form 30 Property Inspection Report
    Form 101 Data Access Authorization Agreement
    Form 176 Report of Property Insurance Loss
    Form 180 Request for Military Indulgence
    Form 181 Agreement for Modification, Re-Amortization, or Extension of a Mortgage
    Form 182 Adverse Action Notice
    Form 183 Adverse Action Notification Certification
    Form 187 Mortgage Release Program Lease Option Referral Form
    Form 188 Mortgage Release Program Cancellation Form
    Form 189 Deficiency Wavier Agreement
    Form 190 Promissory Note Model Form
    Form 191 Short Sale Affidavit
    Form 192 Personal Property Release Form
    Form 193 Mortgage Release Program Transition Option Referral Form
    Form 196 eMortgage Servicer Questionnaire
    Form 197 Fannie Mae eNote Transfer of Control Request
    Form 200 Servicer Selection Form (Excel)
    Form 236 Application for Release of Security
    Form 360 Certificate of Authority, Incumbency, and Specimen Signatures
    Form 472 Reconciliation of Shortage/Surplus
    Form 472 (Excel) Reconciliation of Shortage/Surplus (Excel)
    Form 472supp Schedule 3 Supplement
    Form 472supp (Excel) Schedule 3 Supplement (Excel)
    Form 473 Reconciliation of Mortgage Portfolio
    Form 473 (Excel) Reconciliation of Mortgage Portfolio (Excel)
    Form 473A Reconciliation of Interest Rate/Pass-Through Rate
    Form 473A (Excel) Reconciliation of Interest Rate/Pass-Through Rate (Excel)
    Form 482 Seller’s Designation of Wire Transfer Instructions
    Form 496 Principal and Interest (P&I) Custodial Account Analysis
    Form 496A Taxes and Insurance (T&I) Custodial Account Analysis
    Form 512 Reconciliation of Mortgage Portfolio – S/S MBS & MRS
    Form 512 (Excel) Reconciliation of Mortgage Portfolio – S/S MBS & MRS
    Form 571 Cash Disbursement Request
    Form 582 Lender Record Information
    Form 629 Request for Approval of Servicing or Subservicing Transfer
    Form 638 Participation Certificate
    Form 710 Mortgage Assistance Application
    Form 710A Home Affordable Modification Program Government Monitoring Data Form
    Form 710s Mortgage Assistance Application – Spanish
    Form 720 Real Estate Fraud Certification
    Form 745 Borrower Solicitation Letter
    Form 858 Assumption of Liability Endorsement
    Form 975 Chapter 13 Bankruptcy Reporting Form
    Form 1000A HomeStyle Approval Form
    Form 1001 Authorization for Verification of Credit and Business References
    Form 1002 Mortgage Bankers’ Financial Reporting Form (MBFRF)
    Form 1003 Uniform Residential Loan Application
    Form 1003 Uniform Residential Loan Application (redesigned version)
    Form 1003Ai Statement of Assets and Liabilities Interactive
    Form 1003Asi Statement of Assets and Liabilities Interactive — Spanish
    Form 1003i Uniform Residential Loan Application Interactive
    Form 1003si Uniform Residential Loan Application Interactive — Spanish
    Form 1004 Uniform Residential Appraisal Report
    Form 1004C Manufactured Home Appraisal Report
    Form 1004D Appraisal Update and/or Completion Report
    Form 1004MC Market Conditions Addendum to the Appraisal Report
    Form 1005 Verification of Employment
    Form 1005s Verification of Employment — Spanish
    Form 1006 Verification of Deposit
    Form 1006s Verification of Deposit — Spanish
    Form 1007 Single-Family Comparable Rent Schedule
    Form 1008i Uniform Underwriting and Transmittal Summary Interactive
    Form 1009 Residential Loan Application for Reverse Mortgages
    Form 1009i Residential Loan Application for Reverse Mortgages – Interactive
    Form 1011 Special Lender Approval Form – Co-op Share Loans
    Form 1013 Letter of Authorization for P&I Custodial Account
    Form 1014 Letter of Authorization for T&I Custodial Account
    Form 1015 Mortgage Insurance Claim for Loss
    Form 1017 Certificate of Completion of Pre-purchase Housing Counseling
    Form 1019 HomeReady Non-Borrower Household Income Worksheet and Certification
    Form 1022 Servicemembers Civil Release Act (SCRA) Disbursement Request Form
    Form 1025 Small Residential Income Property Appraisal Report
    Form 1026 Application for Project Approval
    Form 1026A Application for Project Acceptance–Type 2 Cooperatives
    Form 1029 Warranty of Project Presales
    Form 1030 Project Eligibility Review Service Document Checklist
    Form 1032 Post-Closing Loan File Document Checklist
    Form 1035 HomeStyle Renovation Maximum Mortgage Worksheet
    Form 1037 Rental Income Worksheet – Principal Residence, 2- to 4-unit Property
    Form 1038 Rental Income Worksheet – Individual Rental Income from Investment Property(s) (up to 4 properties)
    Form 1038A Rental Income Worksheet – Individual Rental Income from Investment Property(s) (up to 10 properties)
    Form 1039 Rental Income Worksheet – Business Rental Income from Investment Property(s)
    Form 1051 Project Development / Master Association Plan
    Form 1054 Warranty of Condominium Project Legal Documents
    Form 1068 FRM/GEM Loan Schedule
    Form 1069 ARM/GPARM Loan Schedule
    Form 1071 Statement of Insurance and Fidelity Coverage
    Form 1072 Authorization for Automatic Transfer of Funds
    Form 1073 Individual Condominium Unit Appraisal Report
    Form 1073A Analysis of Annual Income and Expenses-Operating Budget
    Form 1074 Request for Cooperative Project Information
    Form 1075 Exterior-Only Inspection Individual Condominium Unit Appraisal Report
    Form 1076 Condominium Project Questionnaire – Full Form
    Form 1076i Condominium Project Questionnaire – Full Form – Interactive
    Form 1077 Condominium Project Questionnaire – Short Form
    Form 1077i Condominium Project Questionnaire – Short Form – Interactive
    Form 1081 Final Certification of Substantial Project Completion
    Form 1082 Notice of Property Acquired
    Form 1084 Cash Flow Analysis
    Form 1088 Comparative Income Analysis
    Form 1091 Application for Approval of Established Project
    Form 1093 Maintenance and Repair Work Authorization
    Form 1095 Property Preservation Request for Repair
    Form 1100 Summary of IRS Form 1099-A and 1099-C Filing
    Form 1200 HomeStyle Change Order Request
    Form 1202 Contractor Profile Report
    Form 1204 HomeStyle Renovation Consumer Tips
    Form 2000 One-Unit Residential Appraisal Field Review Report
    Form 2000A Two- to Four-Unit Residential Appraisal Field Review Report
    Form 2001 Annual Statement of Eligibility for Document Custodians
    Form 2002 MBS Custodian Recertification
    Form 2003 Master Custodial Agreement
    Form 2004A Release of Interest in Mortgages
    Form 2005 Schedule of Mortgages
    Form 2008 Application for Active Document Custodianship
    Form 2009 Request for Release/Return of Documents
    Form 2010 Designated Custodian Master Custodial Agreement
    Form 2014 Delivery Schedule
    Form 2055 Exterior-Only Inspection Residential Appraisal Report
    Form 2075 Desktop Underwriter Property Inspection Report
    Form 2090 Individual Cooperative Interest Appraisal Report
    Form 2095 Exterior-Only Inspection Individual Cooperative Interest Appraisal Report
    Form 2100 Community Land Trust Ground Lease Rider
    Form 3161 Loan Modification Agreement (Providing for Adjustable Interest Rate)
    Form 3179 Loan Modification Agreement (Providing for Fixed Interest Rate)
    Form 3179s Loan Modification Agreement (Providing for Fixed Interest Rate) — Spanish

    Like

  12. 2018-03-16

    Fannie Mae Announces Winner of Non-performing Loan Sale

    http://www.dsnews.com/daily-dose/03-16-2018/fannie-mae-announces-winner-non-performing-loan-sale

    Like

  13. Attribution goes to StopForeclosureFraud.

    IN THE ATTACHED PDF, SEARCH ON “NOTE ENDORSEMENT” AND “ASSIGNMENT”

    CRITICAL SECTIONS:

    B8-3-02, Special Note Provisions and Language Requirements (08/20/2013) p. 974

    B8-3-03, Signature Requirements for Notes (10/22/2013) p. 975

    B8-3-04, Note Endorsement (12/20/2011) p. 977
    – Note Endorsement
    – Using an Allonge for the Endorsement
    – Signature Requirements for Endorsements

    B8-6. Mortgage Assignments p. 995

    B8-7, Mortgage Electronic Registration System (MERS) p. 1001

    https://www.fanniemae.com/content/guide/sel072914.pdf

    Like

  14. GREAT COMMENT THREAD from ALL!!!!

    For additional documents to consider for a subpoena duces tecum:

    FANNIE MAE Guidance for Servicing Transfers and Document Deliveries

    http://c.ymcdn.com/sites/www.usfn.org/resource/collection/653240D6-CA59-4AD3-82FF-3057B7320DE2/17251_MBA_Servicing_Transfer_Matrix-Fannie.pdf

    Like

  15. We’ve communicated back in 2013, shortly after the “sham” Bloomberg Terminal “LFND” shut down. I was a contract user and Mr. Garfield may have been also. I complained for almost a year, then when I provided proof….. see article……https://deadlyclear.wordpress.com/2013/02/20/bloomberg-terminal-iceberg-tortious-interference/

    Like

  16. Mr. Kelly – you might make a great “ad hoc” interviewee by Mr. Garfield if he were to so permit….

    Like

  17. Our legal system is out of whack in a few ways. “IF” your poor enough, you have a better chance for free legal aid however, if at some point, your were a homeowner, it costs more than your mortgage payments to hire an attorney. Out necessity, I started studying law in 2010 only to realize there wasn’t any case law and very limited evidence in regards to REMIC Trusts. (My background is Real Estate Investor and former Banker) I quit studying law and started building data bases while my mostly useless attorneys wasted my time and money in court. Now, I restarted law school with the evidence data bases but its stolen over 10yrs of my life, sadly, its stolen more than that from many. Its crazy what attorney’s charge and worse, most do not want to file subpoenas. Just let the banks lead them into a trap.

    Liked by 1 person

  18. @ James Kelley ,

    I am a BIG fan of subpoena’s ,, had a slimeball slip and fall lawyer suing me on behalf of a neighbor claiming to have a plethora of medical conditions stemming from an accident where he collided with me on a jog… after 4 years of refusing to answer basic discovery regarding his clients diagnosis and treatment and a trial date coming up I filed 4 separate subpoenas on a Saturday naming the slimeball as the only party who knew the identity of the witnesses (specialty physicians that were alluded to but never produced) … I had an offer to settle with the slimeball on Monday basically pleading with me to agree to allowing him to drop everything with me promising not to counter before he had to explain his behavior to the judge.

    Why do lawyers charge so much for simple documents? Other than the local knowledge aspect of each court and the old boy BAR network this is all pretty simple..

    Liked by 1 person

  19. I’ve recently cited Rule 501, Crime-Fraud Exception, hoping to utilize it in the future of my cases. See attachment:https://repository.law.miami.edu/cgi/viewcontent.cgi?referer=https://www.google.com/&httpsredir=1&article=1850&context=umlr

    Like

  20. Judges, without substantial evidence, seem to protect their fellow BAR members.

    Like

  21. Tried to subpoena the attorneys for forging documents. Judge wouldn’t go for it.

    Like

  22. Depending upon the state, absolutely. Title policies add credibility and review to the transaction. Some states allow attorney or agents to act on behalf of the title company and do not show up at closing. Not to mention, depending on the policy, may be liable for the transaction “IF” its fraudulent.

    Like

  23. Another “target” person as a first-hand witness might be the title company loan closing officer who was supposed to be at the closing table. Lest we forget, the title company is the fulcrum in the closing “lever” and is supposed to act as the final clearinghouse of all the data, paperwork, escrow accounts and the like. Often, distribution of funds from/to all parties on the HUD-1 are caused by the title company giving it their final blessing.

    Liked by 1 person

  24. Opps. 1008 Form

    Like

  25. Remember, compliance dept/officers frequently audited 1 in 5 and later 3 in 5 mortgage packages. I suggest taking a 1-2 approach and subpoena the closing package with the 1007 form first. Also, the 1003 form will have the name of the originator, in my professional opinion, the shift from banks to brokers after the 1986/87 REMIC changes was substantially due to the fact, that big banks didn’t want their employees signing the 1003 form and creating more liability.

    Like

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: