It is estimated that more than 60 million mortgages are at risk of being unenforceable due to the Mortgage-Backed Securities mess.
Check with your county Recorder of Deeds. Chances are better than even that the registered lien holder is NOT the current owner of your mortgage. IF THEY DID NOT DO EVERY STEP CORRECTLY, AND PROVIDE VALID DOCUMENTATION OF THEM, they can't enforce your mortgage or take your home.
Moreover, if they did not record these documents in your county, then they are guilty of fraud!
MANY large US banks are going to go down over this mess. They got greedy, and now they will suffer for it.
County Governments across the country stand to gain millions in fees once they start looking into this.