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Learn Why It Is Important To Know
Who Owns The Land, The Mortgage Loan,
And The House—Before You Close

The First 72 Hours After We Discover A Data Breach Can Be Critical Before Closing—Avoid Buying or Refinancing A Home With Costly Hidden Problems As Soon As The Underlying Promissory Note Is Endorsed (Signed Over) To The New Owner Of The Loan By Getting A Title Land Edification Real Property Report Today.

KNOW BEFORE YOU CLOSE ON A MORTGAGE HOME LOAN
CHECK IF A SELLER IS THE OWNER OF A PARCEL OF LAND AND WHEN
THE LOAN CHANGES HANDS TO THE NEW OWNER

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We Offer The Following Vital Social Services Nationwide:

Title Land Edification has created innovative business information services designed to provide risk solutions for past, present, and future property owners. 

We provide a cost-effective, reliable, and convenient method for detecting data breaches by verifying the accuracy and completeness of land-related documents recorded by means of local and county government parcel identifiers, including but not limited to public land records, chains of title, and real estate tax bills. Our services ensure that clients are well-protected before they commit to real estate mortgage loan transactions conducted manually or via digital technologies, thus preserving family property rights and histories for generations to come. We offer:

Pre-origination and pre-closing protection for both paper and electronically filed real estate records at risk for compromise and fraud

Protection from recording fraud for both paper and electronically filed mortgages, including mortgage ownership, security interests, servicing rights, and release

Pre-origination and pre-closing authentication of parcel identifiers used by local governments in real estate registration, including tax collection, real estate assessment, and public land title recordation management database systems

Assistance and support in restoring the sanctity and integrity of local government real estate registration and protection of clients’ property rights by detecting breaks in the chain of title

Collection and tracking of electronic mortgage loans originated and registered in the confidential Mortgage Electronic Registration Systems, Inc. (National Mortgage Rights Registry) as well as the approximately 3,524 registration and recording jurisdictions of each county-level registrar of deeds, county clerks, or clerk of the court offices nationwide

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Pre-Mortgage Loan Origination & Pre-Closing Focused

OUR WEB-BASED REAL ESTATE FRAUD NOTIFICATION SERVICES CAN HELP PROPERTY OWNERS WITH VALUABLE RISK MANAGEMENT TOOLS TO PROTECT THEIR REAL PROPERTY FROM LAND TITLE AND MORTGAGE LOAN ORIGINATION FRAUD THE SMART WAY


Real Estate Mortgage Loan Origination Fraud, Title Insurance Fraud, and Judicial and Nonjudicial Foreclosure Sales Irregularities are Prevalent in Local Government Recording and Taxing Jurisdictions Nationwide

We perform a binary verification against local government authoritative parcel identifiers data sets in comparison of real estate tax collection, assessment, and public land title recordation management database systems maintained by the local government tax authority WITHOUT requiring your personally identifiable information (PII), and other private and sensitive information like a Social Security number

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Our Exclusive Services

Identity Theft Recovery

Helping clients protect their personal information and property rights, including homeownership and family wealth, by fighting predatory lending practices.

Data Breach Solutions

Authenticating parcel identifiers used in the recording of mortgage ownership, security interests, servicing rights, and releases.

Tax-Related Personally identifiable information (PII) Recovery

Safeguarding taxpayers’ personally identifiable information (PII) in possession of Federal, State and Local government agencies and preventing its breach.

Complimentary Audits: Identity Theft Recovery

Protecting globally deployed US Armed Forces service members from fraudulent public land records (liens) and debt collectors’ false claims.

Loan Origination Fraud

Safeguarding data integrity in local government real estate registration, including tax collection, assessment, and title recordation management database systems.

TLE e-NoteFraudAlert

Tracking mortgage foreclosures and evictions associated with paper or electronic promissory notes as well as mortgage loans recorded in the electronic National Mortgage Rights Registry.

Data Loss Prevention

Applying loss protection tools to help secure taxpayers’ real property and critical personally identifiable information (PII) information.

Consumer Protection

Identifying real estate fraud originating from both paper and electronic records without compromising the trust and confidence of the United States’ taxpayers.

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You, or the Heirs To Your Estate May Be at Risk:

Let us help you.

Register to receive our TLE e-NoteFraudAlert service on changes in parcel identifiers occurring before origination of a real estate transaction.


Real Estate Mortgage Loan Origination Fraud, Title Insurance Fraud, and Judicial and Nonjudicial Foreclosure Sales Irregularities are Prevalent in Local Government Recording and Taxing Jurisdictions Nationwide

Our Military Commitment Services Are Free For:

  • Active Duty
  • Veterans
  • Retirees
  • Reservist / National Guard
  • Registered Family Members (Dependents)

Why The First 72 Hours Of Discovering A Data Breach Are Vital To Consumers:

Similar to CARFAX’s Vehicle History Report, Title Land Edification Real Property History Report contains information that can impact a consumer’s decision to buy or refinance a home (mortgage loan).

Figure 1 provided below is for illustrative purposes only—a snapshot of an unauthorized alteration (switched) to the local county government's registered parcel identifiers that occurred before the purchase-money mortgage loan origination and sale date (July 18, 2008), before the transfer of ownership of real property, and before publicly recorded among the land registry.

When compared with the "Before" picture, this "After" picture can be quite revealing—leaving prospective homebuyers and current property-owners at risk for tax-related identify theft and real estate, title to land, accounting, or tax fraud.

Saturday, 21 June 2008

Monday, 23 June 2008

The illustration above contains an actual example involving the data breach of a consumer borrower’s sensitive financial personally identifiable information (PII) and the internal data breach within a local county government (original tax map reference number and the original assessor parcel identification number)—which occurred "before" the origination and sale date of a purported residential mortgage loan.

Had I been more knowledgeable about the real estate transaction, including the purchase-money mortgage loan origination process, before securing a mortgage loan from the financial services industry by way of a third-party electronic National Mortgage Rights Registry, I would have also understood how the county and local clerk of the circuit court recording officials under the jurisdiction of the Commonwealth of Virginia as well as common practices and governance of registered parcel identifiers, or the lack thereof, regarding land management and real estate recording fraud prevention failed to protect my property rights, legal name, and taxpayer’s identification number."


T. Burnett
Master Chief Petty Officer, USN (Ret.)
Indianapolis, IN
Founder, Title Land Edification LLC

Since 2007

Title Land Edification has discovered and directly linked local government taxing authorities and financial mortgage lending institutions to fraudulent closing practices affecting many homebuyers:

New Homes Residential (New) Construction "Occupancy" Permits
Publicly Recorded Fraudulent Title To Land Inextricably Intertwined To Invalid Parcel Identifiers
Publicly Recorded Fraudulent Deeds Inextricably Intertwined To Fraudulent Sale and Conveyance by deeds of Title To Land
Publicly Recorded Fraudulent Deeds Directly Linked To Judicial and nonjudicial HOA foreclosure sales
Authoritative eNote and Transferable Record Inextricably Intertwined to Invalid Parcel Identifiers

It is essential to Know Before You Own: We’ve compiled a list of the latest identity theft statistics and an increasing number of consumer borrowers’ legal identity and Personally Identifiable Information (PII), and other private and sensitive data inextricably intertwined to local governments’ real property tax collection and tax assessment databases—being forged using compromised data during the mortgage origination process of a loan application to certain phases of the application and closing process.

Learn how Title Land Edification Investigative risk solutions can protect consumer homebuyers PII and prevent a data breach "Before" the mortgage loan origination phase.

This investigative risk solutions service offers information and tools to help consumers identity, authenticate, and monitor the integrity of paper and electronic mortgages, public land records, and other important landownership real estate documents that has become compromised when incorrectly accepted and filed in local and county recording and taxing jurisdictions of the United States leaving property-owners at risk for tax-related identity theft, real estate fraud, and accounting or tax fraud.

We provide advanced consumer warning services and mortgage loan and real estate origination risk solutions by addressing the root cause of the Nation’s citizenry (homeowners) loss of a cumulative $16 trillion in wealth during the 2008 housing crisis and ongoing systematic foreclosures and evictions, resulting in tens of millions of American families in forced displacement and poverty.

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