Your Mortgage Documents Are Fake

mmmm i would say thats a yes.

Good to bring up school loans. Heck, any loans.They get sold and bought over and over. From time to time we've gotten notices that our mortgage was being sold but "nothing will change", and we sure don't get a new stack of papers when that happens. The latest stack I have is from a refinance years ago.

That's exactly what the book "Clouded Titles" recommends doing, filling a quiet title suit. I highly recommend the read.

You would continue making your mortgage payments by putting the payment into an escrow account. This shows that you intend to make payments but want the payment to be held in trust until the proper debtor is identified, which maybe no one.

[link to en.wikipedia.org]

STONE v. UNITED STATES 69 U.S. (1865)(10-0) A patent is the highest evidence of title, and is conclusive as against the government, and all claiming under junior patents or titles, until it is set aside or annulled by some judicial tribunal. The patent is but evidence of a grant, and the officer who issues it acts ministerially and not judicially.

The insanity ends when ALL of you refuse to accept the mortgage documents as presented. It's best if nobody takes out a mortgage, either. If you can't pay cash, don't buy it.

If EVERYBODY does this, the market will reflect what people can pay for a house - which is mostly spit and tissue paper, anyway.

But, since everybody thinks that mortgages are the way 'it is supposed to be,' the whole farce will continue.

People have to live somewhere, and wherever they go, somebody with police/military power will insist that it ultimately belongs to them. So you could just rent a place, but there are restrictions that may not be acceptable to everyone (pets, improvements, timely repairs, etc.) Then you either fork over more money than you make in several years, or you take out a loan (because you have to live somewhere during the time you'd save up, and why pay rent at the same time?). And most people who have mortgages got into them before they knew about these scams.

So what's your grand solution then? How do millions of people suddenly get out of paying rent to people with the power of the state to take it away?

Here is the deal.

When an original mortgage is made there are 2 parts.

1) Promissory note
2) Mortgage

Not all loans are frauds BUT when the Mortgage authorizes MERS to be the holder of the mortgage for recording purposes that does not apply to the Promissory note.

(Above is defense #1)

What happens many times is that you authorize your "lender" to assign the note. In other words your lender will sell the note. The note is basically what money was designed to be.

Looking at a Promissory note you will notice "PAY TO THE ORDER OF", sound familiar?

Now MERS (municipality employee retirement act, im sorry, mortgage electronic recording act)has authority to transfer the Mortgage, but not the note, which effectively is made into securities.

The easiest way to win would be to check & see who MERS has registered the Mortgage to & see who the Note has been "PAY(ed) TO THE ORDER OF"

Before any legitimate suit can be brought these must be the same entity.

Thanks, good info.

But at this point, I'm wondering what anyone's practical options are if they discover that their mortgage has not been transferred properly. I don't think these bankers are just going to let people stop paying even if it's a scam.

They don't have a choice.

Cases are not won based on facts, they are won based on arguments.

Make the correct arguments and even if you lose you will win somewhere up the chain.

I'll leave the practical options up for people to decide for themselves, but if involved in suit it is public knowledge that thiese defenses are winners.

I had a rental that got busted for growing pot. The city started putting fines on the home. I stopped paying the mortgage after my insurance company denied coverage.

was a GMAC, then Country Wide, a few no names, then Wells.


I haven't paid shit in over four years, including property tax, and keep it rented. I have had a return of my 20% down, plus $900 every month.


If you have one of these notes, just stop paying and tell them to pound salt. The property tax people have even stopped sending me things after I replied that I was EXEMPT from property tax. If they send tanks to take it next year, claim 5 years of non payment and they'll take it- let the silly government figure it out.

In all honesty it hasn't effected my credit rating, either.

Smart investor

I know we sued Bunch of Aholes (BoA) for quiet title over this very subject, thought we were going to cut a fat hog after the judge ordered them the the table but then the night the week before the so called negotiations were to take place he dismissed the case.

Put us right back on the foreclosure block, we rode it until the week before then filed a 13.....still fighting and hoping for a mod, but doubtfull.

And there is your modus for why tuitions are outrageous. It's a fucking casino, a communist casino in the desert

Just so you all know. THE SUPREME COURT RULED IF THE MORTGAGE CAN NOT PROVIDE THE ACTUAL WET COPY THAT YOU SIGNED. THEY CAN NOT FORCLOSE YOUR HOME. Look it up. They can not have a copy of what you signed. These cocksuckers whored out and traded you mortgage so many times that a lot of companys can not produce it. LOOK UP THE CASE LAW. God bless stand your ground.

I almost forgot

They MUST have the ORIGINAL PROMISSORY NOTE

(PAY TO THE ORDER OF the entity bringing suit OR blank)

AND

The MORTGAGE

Anything less is an easy win so long as presented correctly.

Once again more double talk. THEY HAVE TO BE ABLE TO PRODUCE THE WET COPY. End of story stand your ground.

When they haul you into court to foreclose on your home, you tell the judge that you don't owe them any money - that you own the home free and clear.

It is incumbent upon the bank to PROVE that you owe them money.

They will produce a copy of your mortgage.

You tell the judge that a copy is not permissible - you insist upon the mortgage that bears your signature.

They will not be able to produce the document you signed, because MERS didn't keep the originals. They bundled mortgages and sold in packages to spread the risk. In doing so, they no longer felt they needed the originals and destroyed them. That was a huge mistake.

Without your signature on a document, they can't prove you owe them any money. Since they can't prove you owe them anything, the house is yours free and clear.


I have actually received 6 Fed Ex packages from my mortgage company offering to refinance my loan to a lower rate with no closing costs. They are doing this so they can get your signature on a new mortgage so they are protected.

I hope that made sense to you...

So what you are saying is that so long as they present the wet (blue ink) copy all is good?

Incorrect.

If they produce a wet (blue ink) copy and its made payable to another entity

OR

they can't show they were in possession of it at the time of complaint.


Just two examples of where your statement was incorrect.

Doubletalk? Negative

do you really own anything?

you pay taxes.

i did read about some land in the mountains of north central arizona where you pay no property taxes however.

My point bro is they can not produce the original. You are confusing people keep it simple.

Well you can have allodial title which is pretty close to existing these days.

Possession is only 9/10 of the law with equitable title being the other 1/10

You would be correct though, as a citizen you own no property per General Orders 100 a.k.a. Lieber Code which could be argued is still standing.

BUT even considering the above should one not be entitled to purchase controlling rights of property?

Of course you own it - you sound stupid now…

Taxes are for the use of public roads, to pay for snow plowing, to cut the grass in the park, to pay the firemen and teachers.

You pay for these things via taxes - some of which are based on the value of your property, so that those with more to protect pay more than those that have less. It is a fair and equitable system to collect the funds needed to help a society function.

I hope you're right!

So, I can just stop making mortgage payments, and when the bank threatens foreclosure, I tell the judge that there is no proof I owe money since they have no blue ink signed papers? Is it really that simple?

Taxing property and the ability to take it away if taxes are not paid amounts to renting. Taxes should be levied only on the purchase, on consumption of goods (see the Fair Tax). And all income tax goes straight to the Fed to pay interest on loaning us our own money. Giant scam.

There is another issue that occurs from the very beginning of the loan process...

When one gets a mortgage, the customer gives the bank a signed promissory note for the total amount of the "borrowed" funds BEFORE signing the mortgage payment agreement. With the signing and issuing of that promissory note TO the bank/lender, the house is already paid for.

That promissory note is worth whatever the face value is of the note. That note, in the possession of the bank, can then be sold in the financial market by the bank....and usually is. So the bank HAS the money before you ever make a payment.

It is your signature that establishes the value and the funds are actually created by the lender, not loaned by the lender. The banks/lender never loans anything. It is your signature that creates the "money".

So at the point of the signing of the promissory note, the house is paid for and the bank has their asset in the form of the note or the "money" they sold the note for.

THEN, after already being paid the money and handing it over to the seller of the house, the bank/lender then double-dips by defrauding you into thinking you still have to pay them AGAIN for the funds that were not loaned, but created by your signature.

And this is where the actual fraud is. They customer begins making monthly payments for "money" they were never loaned, and the bank/lender never gave up. It's free money for them. And as we all know, it's not just the amount of the original promissory note (the so-called loan", it that amount a second time PLUS all of the interest which ends up being around 3 times the amount of the already paid for home.

There ya go.....

No "money" is ever loaned. It is created upon the signing of the promissory note. The mortgage is a total fraud giving the bank/lender your money for something that was paid for during the initial closing process.

Screw the evil Babylonian fuckers.....THEY are the dishonored ones....not those that can't pay the fraudulent mortgage.

It's all coming down. Prepare for a period of transition....after that, things should be just fine....

....and "they" will be long gone. Guaranteed.

Yes! "Money As Debt" is an excellent expose of how FRNs are created from thin air.

I bought my first house at 21. I'd just gotten my first job and had 0 work history aside from odd jobs in high school and college. I had 0 financial education growing up. After about 5 years into my note (2007) I found myself struggling with needed home repairs and hardships so I answered a quicken loan add on tv.

Yes, that's right. Countrywide and quicken to the rescue. At some point I started magically receiving my statements from Bank of America. Through the housing crash in 2008 I continued to struggle and sought after a modification as my income was reduced and of course cost of living was up etc.

This started the endless paper work game with BOA and them forcing me into default by telling me not to pay. Cutting of my online banking ability, and of course endless dropped calls. My mortgage on a 200,000 loan was $1975.00. I tried paying at a local bank and they refused to take my money.

After 2 years of trying to get a modification I gave up. I would recieve calls every once in a awhile asking me what I wanted to do with the house and I would just laugh at them over the phone. I stopped trying all together.

To make a long story shorter. I received forclosure papers in 2011 and went through the courts mediation process. What a joke that was. Wanted to get me back into another loan and made me feel like I was so lucky to have the king give me this chance so I should just become the indebted servant.

So I haven't made a payment in 4 years. I looked at my county registry and mers is listed along with countrywide quicken and BOA. From my understanding mers can't transfer a note. It doesn't have legal standing. That's exactly what happened in my case.

I read the other day that the PATH bill toted around will actually change that and now if homeowner is taken to court than the mers defense will no longer be valid because this new bill makes it legal. Just a thought but yeah the whole mortgage industry should just go away.

That's the scary part. They know they're a bunch of crooks, but they also know they can make their crimes legal (like Palpatine in StarWars).

Agenda 21