[HereInTheHeartland]

“What you signed at that table actually means nothing. Once YOUR loan (I’m assuming you have one for the sake of discussion) was securitized the terms then become defined by the Pooling and Servicing Agreement of the trust or trusts it landed in.”

No, I am bound by the note and mortgage that I signed. The terms of a mortgage backed loan cannot be changed.
It can be sold, but terms cannot be changed.

[Chunga85]

Ask your servicer how you payments are applied and see if they fit within GAAP.

[Chunga85]

I'm going to put out a few video links here that brush the surface of how deliberately complex this process is to understand.

Foreclosure Defense: What You Need To Know (2/ 2)

If you could make it through that one...here is another video by Neil Garfied that explains The Assignment and Assumption Agreement.

Part 1: The Assignment & Assumption Agreement

Dreary huh?

If you made it through THAT one you deserve a break by listening to Merle Haggard's Favorite singer - Iris Dement - The Voice of an Angel!

In Spite of Ourselves

[Neidermeyer]

You’re living in the 1980’s ,, the note you signed (between 1998 and 2007/08) was 96% of the time fraudulent in that the true counterparty was never named on the doc and the actual cash money lender is not bound by the doc but by a seperate agreement to which you are not a party and never were a party.

The exception being if your note was through a small hometown bank that actually funded their own loans.