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In reply to the discussion: Your mortgage documents are fake! [View all]ms.smiler
(551 posts)Im delighted to assist you with checking on your mortgage but it would be helpful to me if I had specifics.
What is it that shows Fannie is now the apparent owner? Is it the Fannie lookup tool? Is it your land records? Is it the MERS database?
It would help greatly if we knew the data and the source of the data. The MERS & Fannie lookups are quick and easy to check. Your land records are most likely online and should also be fairly easy to check. If your mortgage documents are handy, get out your Settlement Sheet and you can check for origination fraud.
We could check the statutes in your state at a later time.
When you have the opportunity please let me know who MERS identifies as your mortgage servicer, and if you enter part of your SSN, it may also disclose the Investor in your loan in a second window. Well compare that information with Fannies lookup tool. Then well compare the information from those two lookup tools with what is reflected in your local land records.
Fannie is a REMIC, Real Estate Mortgage Investment Conduit, (securitized mortgages.) Fannie has been seriously corrupted, and its not a good sign if they have your loan.
Im sorry for the stress and fear you are experiencing in your life. I often told my son that knowledge is power and I think I feel empowered by what Ive learned and the actions Im taking, otherwise Id likely have a higher stress level.