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Mortgage Fraud explained for the average person

Started this discussion. Last reply by Angry&NOT TAKING IT May 12, 2011. 6 Replies

Im came across this article while researching my mortgage fraud, the layout is quite nice and easy to comprehend...It explains the process of a mortgage from start to finish!  Continue

Tags: investigations, fraud, mortgage


KT ~ME~'s Page

Profile Information

Which state do you live in? (2 letter)
How did you find out about this site?
Where are you in the foreclosure process?
Served with papers in a judicial state, Defending my home
How many months have you tried to work with your unresponsive loan servicer?

 Im so pleased to be apart of this website, thanks so much to those who made it possible... Ace, Capt, Lisa and Lela

Im just beginning to start my fight to save my home, I started researching March 2, 2010 and I haven't stopped since. I have researched several hundreds of hours just trying to learn the banking industry...
Everything that goes along with a mortgage foreclosure is over whelming, so I decided to start at the beginning...

I got started by typing "FORECLOSURE" in a google search and clicked on everything that was listed, this is when I landed on a site called ...Here I found a post called "Guide To Looking up Public Records" and from there I was well on my way to finding the fraud on my mortgage papers...

It all started with an assignment of mortgage/deed of trust, (something I had never seen nor heard of) while armed with my recent knowledge of looking up my public records, I was able to quickly spot my fraudulent signer listed below...

Mary Jo McGowan-Signer
Maria Leonor Gerholdt-Notary

I have found that Mary Jo McGowan is listed on my papers as VP of Union Federal Bank of Indianapolis, signing over to MERS as nominee for CtiMortgage Inc... She is also claiming to be,


Chase Home Finance (affidavit)
Chase Manhattan (affidavit)
Chase Home Finance
Chase Bank USA N.A.
Union Federal Bank of Indianapolis
Washington Mutual
MERS (Satisfaction)

At one time is was also a notary...

Notary Notary ID: 1012235
Last Name: MCGOWAN
First Name: MARY JO
Middle Name: Josephine
Birth Date: 07/02/49
Transaction Type: NEW
Certificate: DD 236404
Status: EXP
Issue Date: 07/31/03
Expire Date: 07/30/07
Bonding Agency: Florida Notary Association, Inc,
Mailing Address: HUDSON, FL 34667

She was once employed with  NATIONWIDE TITLE CLEARING  located in Pinella's county Palm Harbor FLORIDA, this is where all of my fraud is coming from...I believe her notary is still employed there.  MARIA L. GERHOLDT

Anyone with any information, direction, a good laugh, knowledge in finding my investors would be much appreciated!!!

Blessings to all,
Willing to fight for what I believe in and willing to help others along the way.


KT ~ME~'s Blog

Dan Benham "Banks and Banking"

Posted on October 26, 2014 at 1:31pm 0 Comments

Lots of good reads and audio information ...

Maine Supreme Court addresses MERS assignments and payoff amounts during cure periods

Posted on August 29, 2014 at 8:00pm 0 Comments

The Maine Supreme Court has been active in the last few months – issuing several decisions that will likely impact foreclosure actions in that state. The decisions covered a full range of foreclosure issues, from whether a lender can establish standing when it holds an assignment of the mortgage from Mortgage Electronic Registration Systems, Inc. (“MERS”) to the amount a borrower must pay to cure a default.…



Posted on August 9, 2014 at 8:27pm 0 Comments

Mary is one of our own, please keep her in your prayers ...


The May 7, 2014 story was published the day before a hearing to determine whether or not Mary would be released from prison. For reasons of discretion the entirety of the interview was not printed.  Why give…


Comment Wall (690 comments)

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At 11:01pm on November 12, 2014, RICK BECKHAM said…

Hi KT, Thanks for your warm welcome.  A good friend of mine in Florida sent me your website.  We are both waging war on Bank of America and other criminals.  It is a real shame we must fight on our own where our government will lend no help.  We are the Paper Warriors of the pro se litigants trying to stop our illegal foreclosures.  Thanks Again, Rick

PS:  This site is beautiful.

At 3:30pm on November 12, 2014, Patricia's Plight said…

Do Read My Updated blog here thank you I'm looking for HELP!

At 1:58pm on October 16, 2014, Rosangela de Azevedo said…

Thank you, KT!

I will return here to talk more.  Our (my husband and me) experience with BkOfAm is also horrible.I already told them that Mafia has more integrity in their dealings.

At 1:55pm on October 16, 2014, Rosangela de Azevedo said…

At 2:39pm on October 13, 2014, Leah Dean said…

Thank you 

At 4:33pm on September 22, 2014, TIM MATHIS said…

Thanks I can use any help offered. Chase was a nightmare after they convinced me I needed to miss a few payments and was current at that time, they said after submitting my app and docs it would only be 30 to 60 days to get my answer.  Well they lied then and continued to lie for 3 long insane years. When said and done they gave me $200.00 off my regular loan payment, added over 40,000 to my loan balance and increased my loan term by 10 years. Oh wait, they lowered my interest rate from 9% variable  to 5.125% fixed for 40 years. Considering 3 years of stress, missed work and overall frustration, I have to say its not even close to worth all that. This chase loan was my second and was a heloc. Now I'm trying for a hamp with my first lender Green Tree and so far it looks like a repeat performance. Think im going to contact The Legal Aide Foundation this time around.  I'm still smiling like a fool at Christmas! lol

At 2:17pm on July 12, 2014, Lisa Ann Butterline said…

Thank you,

Is there really any help out there for us, the people who have lost our homes, possibly children, not to mention our credit worthiness...I was evicted on January 23, 2014 in 8 degree weather with 6 of my 7 kids.   GMAC Bank of New York or whomever laid claim to my property and equity of 22 yrs. Any help would be appreciated, as we are officially homeless, living in an suv....not good.

Thanks Lisa

At 3:12pm on May 30, 2014, Leah Dean said…

Thank you very much.  I am new to this so I am going to have to figure it out.  I am uncovering so much fraud right now and I am just sick because there is nowhere to turn.

At 11:35am on May 29, 2014, Thomas Fox said…

Hi KT ME...I have been in a battle for 15 months and sent 5 QWRs to Wells Fargo whom was not the lender and according to an audit had one of their employees transfer the note from Wachovia  Bank to Wells Fargo 4 years after my wife started making payments to Wells Fargo. The audit said they committed fraud in the transfer and that they have no standing as Nancy's (my wife) loan had not been securitized. They refused to answer our 5 QWRs and now a law firm in Texas for wells fargo is attempting to start a non-judicial foreclosure. so is it pointless to do yet another QWR???

At 3:05am on May 16, 2014, Rob Tripp said…
What's your story?
I have a world savings pick a pay loan,
At 12:44pm on May 9, 2014, Audemus jura nostra defendere said…

What can I do?  What should I look for?  They called me in 2009 and offered to modify all of my loans.  I let them do all of the investment property even though we were only a couple of months behind on 2 of them.  We could have caught that up no problem with the  rent revenue.  However, they began holding all payments.  They called nine months later to inform us that all loans except our primary (which I did not allow them to touch) was behind.  This is how the nightmare began.  Today, we have lost all investment properties (and that income), almost lost our primary, filed bankruptcy but the payments are entirely too high.  Our only hope, believe it or not, is for BoA to modify our loan.  We are back full circle.  I have had an attorney and still do but he seems to want me to do all of the work and since I am no law expert that makes it difficult to put together a case.  I have paid the law firm about 10k already and honestly I am tapped completely out.  They have drained all of our resources.  We spent too much fighting the foreclosures because they would just come back again.  They even came in with an unsigned note at one hearing and came back with it signed at the next.  We called them out and they were not allowed to foreclose but they just came back again.  The fact that we had so many I feel that I can show a pattern but again I am no law expert.  If you or anyone can give me direction I would greatly appreciate it.

At 11:51pm on January 29, 2014, Sally Vollenweider said…

Thank you!

At 1:46pm on January 9, 2014, Constance Sutton said…

Anyone who has a loan serviced by Ocwen needs to read the Consent Order (Exhibit A Servicing Standards). Good luck to all and am glad to be a member of this group-thanks to KT.

At 12:24am on November 26, 2013, Jarid H. said…
Thank You!
I hope to find info that can keep the wolves away. I am finding out how crooked servicing companys are.
At 7:50pm on October 30, 2013, Liz said…

Thanks KT for welcoming me aboard. I am trying to get familiar with the site. I have 40 days before my sale date.  I just found there was an order of default in Dec 2011. The attorney I hired never filed an answer. I don't know what to do? Who can I trust at this point? Really looking forward to whatever knowledge and/or resources this site provides. Thank you for accepting me!

At 2:45pm on October 30, 2013, Carolyn Frazier said…
Thank you, I am hoping to get some help, if any , or support for our upcoming , forclousere- no letter yet , but have spent 13 months , on what thought we had, a trial payment to lower our high house payment , not sure where our money went, what to do, BAC will not respond, we cannot contact our regular bank, as they have no information , SCARED!! Help
At 12:25am on September 13, 2013, John Nicol said…

Thank you, KT;

This site already has been useful.  I would never have found the information that Jackie put online about World Savings without it.  World Savings has been a hard nut to crack because they hid their securitization in private offerings.  I haven't found my loan yet, but I am closer than I ever have been to doing so.

Here in Portland, Oregon, a group of endangered homeowners has come together to share information.  One of the easiest things to do has been to exchange copies of the notarized documents that we have received from our trustees, for there is only a handful of these foreclosure mills operating in the Northwest, and we often have them in common.   We compare the signatures, purportedly by the same corporate official or notary public.  We obtain the official signature of the notary as registered with the state of residence.  The forgeries are quite obvious.

Finding the right attorney took years.  Adjectives like cowardly, lazy and untrustworthy just seemed to stick  to attorneys like steel to a magnet.  We think that we are in good hands now.

Aside from the legal path, there is a movement in Portland, loosely linked to similar movements in other cities, which puts people back in their homes and guards the homes.  I am involved in this.  It can get pretty exciting.

At 6:49pm on August 28, 2013, Carl Collicott said…

Thank you, its nice to find a form to post information that i've amassed during my 15 years of legal research, sorry its all cut and paste from the law books, I trust the elucidaion to those better gifted.

At 3:25pm on August 26, 2013, cynthia morelli said…

thanks hope to enjoy the site

At 1:49pm on August 6, 2013, Dena Knox said…

Thank you. I am glad I joined. I live in Georgia where they seem to do things a lot different. I need a good and reasonable attorney that also practices in NY.



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