If it was that easy this never would have come to trial. There is a good chance that the company listed in the courthouse documents are not longer in business, or have merged and had their assets sold off to someone who never received the proper records. There were so many shady deals back then with mortgages sold several times within weeks between companies the records are a shambles for millions of loans.
My mortgage has been sold since I refinanced through Countrywide for a lower interest rate. If I was losing my house I sure as hell would want BOA to be able to produce my signature on my mortgage they were foreclosing on and prove that they are the ones who deserve to take my home. I'm not saying I don't deserve to lose it either, but I sure as hell would want records showing why they are the ones that deserve it legally.
Nothing against org.whodat or anyone else who has posted on this thread, but I've got just a bit more insight into this because I've been following several fascinating foreclosure cases that may end up turning the entire banking industry on its head.
One case in particular has been working its way through the Utah court system over the last year or so. In that case, the person who occupies the home that is facing foreclosure has successfully (at least up to now) argued that the mortgage holder has no legal standing to initiate foreclosure proceedings. What makes that case so fascinating to me is that there is no question about who actually holds the mortgage. The mortgage holder is a large institution (an arm of Bank of America, I believe) that has purchased and securitized thousands of mortgages, and the Utah court determined that they could not initiate foreclosure proceedings because the institution did not meet a number of legal requirements under Utah's banking laws.
I saw that case as a sure sign that the entire U.S. mortgage industry was going to go through some serious turbulence and might even unravel completely.