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Title Land Edification

We No Longer Have Trustworthy Public Land Records Of Real Property Title In The United States—Leaving Potential and Existing Homeowners At Risk
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Know Before You Close On An Existing Mortgage Loan Or A Brand New Mortgage Home Loan
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We Thought You Should Know What Is Happening In Approximately 3,524 Local Government Real Property Recording, Judicial, And Taxing Jurisdictions Nationwide.

Since 1992...

Title Land Edification (TLE) proprietary data technologies verification tool discovered mass breaks, irregularities (intentional), and errors (intentional) in just one state and local government real estate recording, judicial, and tax jurisdictions data-management cadastre systems—affecting US residential first-lien mortgage loans originated, registered, serviced, and transferred on the fatally flawed financial institutions’ member-based a national electronic mortgage tracking database system.

The initial Mortgage Electronic Registration System, Inc.” mortgage is recorded in the state local county recorders’ (or equivalent county offices’) with Mortgage Electronic Registration System, Inc.” (MERS)—on its MERS® System named as the lender’s nominee or mortgagee of record on the deed of trust (or mortgage) instrument. During the lifetime of the mortgage, the beneficial ownership interest or servicing rights may be transferred among MERS® System members (MERS mortgage (or deed of trust) assignments). However, these mortgage (or deed of trust) assignments are not usually publicly recorded—instead they are tracked electronically in the private MERS® System, though, without notifying potential and existing homeowners each time the mortgage loan itself or the rights to service the loan is transferred, in violation of federal laws, which states, in part, each servicer of any federally related mortgage loan shall notify the borrower in writing of any assignment, sale, or transfer of the servicing of the loan to any other person. (emphasis added)

Proper procedures must be followed to ensure the reliability of the chain of ownership, to secure the reliable transfer of property, and to assure the enforcement of the rules that govern real property.

The MERS® System cannot prove that it has transfer both mortgage and underlying promissory note, as required by law, evidenced by these disturbing findings:

New Home Residential (New) Construction “Occupancy” Permits
Invalid Parcel Identifiers Identified On Land Title Deeds And First Lien Deeds
Missing or Improper Assignment, Sale or Transfer of Mortgage Loan Servicing Rights Linked To First Lien Deeds And The Underlying Debt (Promissory Note)
Fraudulent Transfer Of Home Mortgage Ownership At Bogus Loan Closings
Creation Of Fraudulent New Construction—Escrow and Title Insurance Accounts, Prior To, Or At, Loan Closings

Learn Why The First 72 Hours Of Discovering An Internal State Local Government's Data Breach Are Vital To Protecting Your Property Rights.

According to Mortgage Electronic Registration System, Inc. (MERS), any loan registered in its MERS® System is “inoculated against future mortgage assignments in the county land records because MERS remains the mortgagee no matter how many times servicing is traded.”

This is important to know because Title Land Edification Real Property History Report contains information that can impact a consumer’s decision to buy or refinance a home (mortgage loan)—prior to, loan closing. 

Figure 1 provided below is for illustrative purposes only—a snapshot of an unauthorized alteration (switched) to most states local government: counties and municipalities—registered parcel identifiers that occurred before the purchase-money mortgage loan origination and sale date (July 18, 2008), prior to, transfer of ownership of real property from Party A and Party B, and, prior to title and first lien deeds are publicly recorded among the land registry. Thus, causing a break or irregularities in the chain of title, thereby damaging the integrity of states and local counties’ land records and real property tax assessment databases.

When compared with the “Before” picture, this “After” picture can be quite revealing—leaving potential and existing homeowners at risk for tax-related identify theft and real estate, title to land, accounting, or tax fraud.

Before you purchase, refinance and close on a US residential mortgage loan—have us verify the real property and know who is the most current servicer identity(ies) and the note-holder(s)/mortgagee(s) when registered with Mortgage Electronic Registration System, Inc. (MERS® System).


Sample Of Actual State & Local Government Internal Data Breach Affecting Home Ownership And Transfers of Mortgages Are Inextricably Intertwined To The Private MERS® System.

Know Before You Close!

BEFORE Saturday, 21 June 2008

AFTER Monday, 23 June 2008

Invalid Tax Parcel & Map Numbers

The illustration above in Figure 1 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 closing process when the seller’s preferred lender originated and registered a mortgage loan on the private, Members Only Mortgage Electronic Registration System, Inc. (MERS)® System, owned by Intercontinental Exchange, Inc., who purports to hold title to roughly half of all US residential home mortgage loans in the nation—an astonishing 60 million loans, I would have understood the much larger role of MERS, the MERS® System, and how servicing rights of the mortgage loan is assigned, sold, or transferred, including underlying debt (promissory note) registered on the MERS® System. Moreover, I would have also been aware of the common practices and governance of taxpayers’ escrow, title to land, and real estate accounts, or the lack thereof regarding land management and real estate recording fraud prevention, they failed to protect my property rights, legal name, and taxpayer’s identification number.”

In sum, our customers need to know that the MERS® System might be the mortgage (deed of trust) holder but not the (promissory) noteholder.

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

There Is No Registration Fee For This Service.

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Start here: Our report reduces your risk from becoming a victim of aggravated tax-related fraud, financial fraud, title fraud, escrow fraud, settlement fraud and identity theft

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