Sample Report — This is an anonymized example of a completed analysis. All names, addresses, and loan details are fictional. No real personal information is shown. Analyze your own documents →
We reviewed your documents and identified patterns that are commonly associated with foreclosure defense. Each item below shows you what we found and what that pattern typically means. This is educational information — what you do with it is your decision.
What do these mean? A VOID defect means the bank's instrument may be legally unenforceable — the document was defective from the moment it was created (e.g., signed by someone without authority, or a dissolved entity). A VOIDABLE defect means you have legal grounds to challenge the document in court — it stands until a court rules otherwise. These are potential issues identified by AI analysis — only a court or qualified attorney can make a final determination.
Void Risk Detected8 patterns
These documents contain defects that raise serious questions about legal enforceability. Review each finding to understand exactly what was found.
Void Risk
PSA cut-off or closing date violation
Chain of Title
Void Risk
Loan never validly conveyed into claimed trust
Chain of Title
Void Risk
PSA cut-off or closing date violation
Securitization
Void Risk
Non-existent or dissolved enforcing entity
Authority & Capacity
Void Risk
Unauthorized endorsement
Authority & Capacity
Void Risk
REMIC timing violation
Securitization
Void Risk
Loan never validly conveyed into claimed trust
Securitization
Void Risk
MERS assignment without authority
MERS Issues
Rule Violations Found7 patterns
These documents contain violations of federal and state rules. Each finding details what was found in your documents and why it matters.
Violation Found
Assignment executed without clear authority
Servicing Defects
Violation Found
Forbearance not ratified by beneficiary
MERS Issues
Violation Found
Foreclosure before authority but later cured
Enforcement Timing
Violation Found
Assignment recorded in wrong jurisdiction
Origination
Violation Found
Broken or incomplete chain of title
Note & Endorsement
Violation Found
Notice of default by non-beneficiary
Enforcement Timing
Violation Found
Conflicting assignments
Servicing Defects
2 Documents Executed After Entity Closure
2 separate documents were executed by or on behalf of entities after they ceased to exist. A defunct entity cannot execute valid legal documents — this finding may affect the validity of the entire chain of title.
Chain of TitleIssue Found1 gap
2007-05-18
Sample HomeownerPacific Northwest Mortgage Corp / MERS as nominee
Deed of Trust
Thurston County, Recording No. 3842019, recorded 2007-05-22
Original deed of trust. MERS named as nominee for lender and lender's successors and assigns.
Not recorded — referenced only in recitals of later Assignment (Doc 3)
Assignment (Doc 3) recites a prior transfer from Pacific Northwest Mortgage Corp to an unidentified depositor entity. No recorded document for this step was found in Thurston County records.
2009-10-22Defect
MERS as nominee for Pacific Northwest Mortgage CorpPNMC Mortgage Loan Trust 2007-3
Assignment of Deed of Trust
Thurston County, Recording No. 3912847, recorded 2009-10-22
Assignment is dated and recorded more than 2 years after the PSA closing date of September 15, 2007. Pacific Northwest Mortgage Corp's Washington license had been revoked as of March 4, 2008.
2019-06-15
Nationstar Mortgage LLC (successor servicer)PNMC Mortgage Loan Trust 2007-3 (no change in beneficiary)
Appointment of Successor Trustee
Thurston County, Recording No. 4471023, recorded 2019-06-18
New trustee appointed for the security instrument. Instrument signed by a Nationstar Vice President. No noted issue with this appointment beyond the upstream chain concerns.
Chain Gaps Detected (1)
Unrecorded intermediate transfer from Pacific Northwest Mortgage Corp to depositor entity
Critical Timeline Issues2 verified
Substitution of Trustee signed June 12, 2009 by an officer of Pacific Northwest Mortgage Corp, which had its Washington license revoked March 4, 2008 and was dissolved July 17, 2009.
Verified External DataJune 12, 2009
Substitution of Trustee (Doc 4)
Assignment of Deed of Trust dated October 22, 2009 attempts to convey to PNMC Mortgage Loan Trust 2007-3, which had a PSA closing date of September 15, 2007 — 767 days earlier.
Verified External DataOctober 22, 2009
Assignment of Deed of Trust (Doc 3)
Summary
Analysis of the uploaded document package for 4821 Maple Ridge Dr, Olympia, WA 98501 identified eight categories with observations warranting further review. Three categories returned findings classified as potentially void-related: chain of title shows a gap and an unrecorded interim transfer; authority and capacity shows a document signed by an officer of a company whose license was revoked prior to signing; and securitization timing shows an assignment to a trust executed approximately 767 days after the trust's published PSA closing date. Five additional categories returned voidable-related observations. Two categories showed no evidence of issues based on available documentation.
The original promissory note was not included in your uploaded documents, which limits our ability to analyze the note endorsement chain. Origination funding documentation was also not available. Some findings depend on external database lookups that may be incomplete. This analysis is educational only and is not legal advice.
SEC EDGAR VerificationTiming Issue
SEC EDGAR Lookup Results
Trust Name
PNMC Mortgage Loan Trust 2007-3
CIK Number
1398852
PSA Closing Date
2007-09-15
Assignment Date
2009-10-22(767 days AFTER closing)
The trust that claims to own your mortgage stopped accepting new loans on September 15, 2007. The recorded assignment transferring your loan to that trust was dated October 22, 2009 — 767 days later. The PSA for this trust is governed by New York trust law and explicitly prohibits late transfers.
Defunct EntityALERTvia FDIC BankFind, OpenCorporates, WA DFI Records
Pacific Northwest Mortgage Corp — Washington state mortgage license revoked 2008
March 4, 2008July 17, 2009
Related Litigationvia CourtListener
Nationstar Mortgage LLC — 47 Washington state adverse actions on CourtListener
What To Do Next
1
Request Assignment History
Get all recorded assignments from your county recorder.
2
Verify Entity Status
Request proof that signing entities were authorized on those dates.
3
Research Trust PSA
Search SEC EDGAR for the Pooling and Servicing Agreement.
4
Send a QWR
Federal law requires your servicer to respond in 30 days.
AUTHORITY DOCUMENTATION ASSESSMENT
Based on your documents, here is what was found:
DTA compliance assessment will appear here after full analysis
Upload Washington foreclosure documents to see DTA compliance assessment
Detailed FindingsSorted by severity
Chain of Title
78%
Issue Identified
Four recorded transfers identified in the Thurston County recorder records for this parcel.
View details →
Securitization
76%
Issue Identified
PNMC Mortgage Loan Trust 2007-3 was registered with the SEC (CIK 1398852) and has a publicly available S-1 filing showing a PSA closing date of September 15, 2007.
View details →
Authority & Capacity
74%
Issue Identified
Substitution of Trustee (Doc 4) was signed by "Robert T. Harmon, Vice President, Pacific Northwest Mortgage Corp" and dated June 12, 2009.
View details →
MERS Issues
64%
Issue Identified
MERS was named as nominee for Pacific Northwest Mortgage Corp in the original Deed of Trust.
View details →
Servicing Defects
61%
Issue Identified
Loan modification denial letter (Doc 7) references a loan number that does not match the loan number on the original Deed of Trust.
View details →
Enforcement Timing
58%
Issue Identified
Notice of Default (Doc 6) was filed August 2, 2023. The loan was originated in May 2007.
View details →
Note & Endorsement
52%
Issue Identified
No promissory note was included in the uploaded document package.
View details →
Origination
48%
Issue Identified
Pacific Northwest Mortgage Corp is identified as the originating lender on the Deed of Trust and Note (if any).
View details →
No issues in:BifurcationBankruptcy Consistency
Strongest Arguments5 arguments
Based on case law that has prevailed in court — understand these questions before any next steps.
Void RiskPSA Cut-Off / Closing Date Violationstrong case
Washington courts and federal courts in the 9th Circuit have recognized that post-closing transfers to REMIC trusts may be void under New York trust law. The 767-day gap here is substantial and well-documented in SEC EDGAR filings.
★ Bain v. Metropolitan MortgageCerecedes v. U.S. Bancorp
Void RiskSigning Authority of Dissolved Entitymoderate case
A dissolved corporation generally cannot execute binding legal documents under Washington law (RCW 23B.14). Documents signed on behalf of a dissolved entity may be void or voidable depending on the circumstances.
★ Bain v. Metropolitan Mortgage
Void RiskMERS Assignment Authoritymoderate case
Post-Bain, Washington courts are skeptical of MERS assignments by entities that have terminated their membership or are no longer active. The MERS MIN showing purged/inactive status compounds this concern.
★ Bain v. Metropolitan Mortgage
Violation FoundNotice of Default — Standing to Foreclosemoderate case
Washington's non-judicial foreclosure act (RCW 61.24.030) requires the beneficiary to be the holder of the note or the holder's authorized agent. Given the questions about the trust's valid acquisition of the loan, the NOD may be challengeable.
Walker v. Quality Loan Service
Violation FoundLoan Modification / RESPA Violationlimited case
The loan number discrepancy between the denial letter and the Deed of Trust raises a question about whether the denial applies to the correct account. RESPA requires servicers to maintain accurate records.
Expand Your Defense
⚖️
Court Documents
File-ready legal documents.
Foreclosure defense complaint
TRO / injunction motion
Supporting declaration
Summons
Documents Reviewed7
Deed of Trust (2007).pdfPromissory Note.pdfAssignment of Deed of Trust (2009).pdfSubstitution of Trustee (2009).pdfAppointment of Successor Trustee (2019).pdfNotice of Default (2023).pdfLoan Modification Denial + Servicer Letters.pdf
Important Notes
Promissory note was not included in uploaded documents. Note endorsement chain cannot be independently verified from the records provided.
Securitization timing analysis depends on SEC EDGAR trust closing date. If the PSA was amended, a different closing date may apply.
Educational Analysis Only. Mortgage Defender is not a law firm. This analysis does not constitute legal advice. Maximum confidence capped at 85%. These findings are for informational and educational purposes only.
MortgageDefender is an educational tool. We help homeowners understand their mortgage documents. Nothing here constitutes legal advice.
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