Moore vs. MERS

That information from Bloomberg is great, but you still need documentation from the servicer.  Some people find their mortgage on Fannie Mae's website - doesn't mean that Fannie is "true holder."  Some people find their mortgage/note information on MERS, doesn't mean any true chain of title existed there either.  The only way to mount a defense is to research every angle:  letter to servicer, seeking information from them, check land registry, bloomberg titles etc.  There is no silver bullet.  Then you need a knowledgeable attorney who understands how to bring the case (very difficult to find). In NH most of the cases go the way of the banks and many lawyers will not take cases there.  Moore v. MERS is the NH case. 

The age old lesson still applies:  if you got something for free, it is probably worthless.  

NH is a tough state!!!!  But a good federal court decision came out last week. 

Hi, findyournote gives a step by step instruction for someone or lawyers to send the letter to the servicer requesting validation of the debt.  That inspector looks interesting, but looks like they find issues in the loan and then you have to figure out what to do about those issues.  Findyournote is a simple way that all mortgage holders can find out who in fact claims to own their loan, if the servicer gives up the information. 

With the national settlement, one requisite is showing a complete chain of title.  It is so important that people find out who owns their note before refinancing and giving up their rights.  If you know anyone who will make the effort, please let them know about this opportunity.  Read the Harpers Article "Stop Payment."