A Quiet Title Lawsuit is known under common law as a suit in equity and is filed for the purpose of establishing the rightful ownership of a piece of real property such as a parcel of land or a home.  The need to file a quiet title lawsuit results from situations where there are multiple parties who are claiming rightful ownership of the same piece of land or the same house.   And in the case of this article a quiet title action can be used to fight a pretender parties claim to interest in the property when they actually have no standing nor capacity to foreclose on a property.     It is used when a loan has been transferred to multiple parties or potentially securitized in a CDO or MBS mortgage backed security and the transfer into the pool of assets is faulty as a result of lack of proper endorsements, violation of the pooling and servicing agreement or if the parties simply do not have the note nor any other proof of financial interest in the note.    Often when it appears that MERS is foreclosing on real property, an attorney will object as MERS has admitted in deposition and publically that they have no financial interest in the notes they claim to be foreclosing upon.

Quiet title lawsuits can arise from conflicts between parties that are part of the same family or between parties who claim ownership in situation where a deed has be improperly or incompletely recorded with the registry of deeds or other land registration office.  Quiet title lawsuits are also common when a party that purchased a parcel of property at a tax sale, sheriff’s sale or judicial sale attempts to resell the parcel.     Tax purchases may use quiet title actions to obtain clear title in order to obtain title insurance.    It may very well become harder and harder for parties purchasing REO to obtain title insurance as a result of faulty foreclosures where MERS is claiming, without capacity to be the foreclosing party.

When a quiet title lawsuit is filed in a court that has jurisdiction to hear the case, the outcome will determine the party who will be established as the rightful owner, and will terminate, or quiet, the claims of ownership from all other parties.

When Are Quiet Title Lawsuits Filed?

Quiet title lawsuits are filed where there is a legitimate claim of ownership by competing parties to one piece of land.  The need to file such a lawsuit occurs when the previous owner has either improperly or incompletely conveyed a piece of land by including things such as restrictions on alienation (transferability of the property) or easements on the land.

A quiet title lawsuit is also appropriate in situations where there is not a proper recording or registration method in use to establish rightful ownership.  This is often the claim when MERS is involved.   Quiet title lawsuits are also appropriate following a tax sale, sheriff’s sale or judicial sale so that the purchasing party, the new owner, knows with absolute certainty that no other parties may ever seek to reclaim the purchased property or impede a sale, modification or transfer in the future.

Every state has different rules and laws when it comes to establishing ownership, notice and recording requirements, but  if a registry of deeds has records on file for a particular parcel, it is unlikely that a quiet title lawsuit will be fruitful unless there exists a disruption or discrepancy in the chain of title.    This can be the case when MERs is involved or when there are multiple trusts claiming to own the note.    A situation that occurs very very often.     It is the reasoln for a securitization audit.       The securitization audit tracks the real chain of title and exposes breaks in the chain for attorneys to exploit.     For the most part, the registration and recording system has taken away to need for quiet title lawsuits and judicial determinations of rightful ownership.

Can a Quiet Title Lawsuit Remove Liens on Property?

If the owner of a piece of property is unsuccessful in efforts to have deficiencies such as liens or other encumbrances removed from the title record, filing a quiet title lawsuit may help the owner to get the relief they are looking for.  A quiet title lawsuit has the ability for an owner to provide evidence that proves rightful ownership and shows satisfaction of any liens, such as a mechanics lien, mortgage or other lien judgment assessed against the value of the property.  Quiet titles can remove all encumbrances, or clouds to title, that potentially disrupt the sale of property.

Securitization Audits

A real estate attorney is essential to a party considering filing a quiet title lawsuit.  A securitization audit and an affidavit from an attorney or expert in the field of securitization is invaluable to the adjudication of quiet title cases.    In addition to the fact that the filing and arbitrating of the case requires the expertise of an attorney, an experienced lawyer is critical to craft winning arguments and father essential data and documents.  Since the property laws of every jurisdiction differ, it is very important to seek the assistance of an attorney who is experienced in the state or land court where the case will be litigated.    We have relationships with attorneys across the country with the expertise to file these cases and of course we do securitization auditing and litigation support for your action     Call us 540-341-1481 to join our legal network or to request help with your quiet title action..   You can also email info@legalforensicauditors.com

Thanks

We are looking for attorneys in the following areas to send quiet title business to..    akron, alabama, alaska, albany, annapolis, Arizona, arkansas, atlanta, auburn, Bad Mortgage, baha, baltimore, bankruptcy, binghamton, california, charleston, charlestown, charlotte, charlottesville, chicago, cincinnati, cleveland, Colorado, connecticut, corpus christi, culpeperForeclosure, dallas, deficiency judgment defense, Delaware, denver, DTI, DTI violation, durham, fairfax va, florida, foreclosure help, Forensic Audit, forensic auditor, forensic loan audit, Forensic Mortgage Audit, forensic mortgage auditor, fort worth, fraud, frederick, fredericksburg, georgia, gulf coast, hawaii, HOEPA, Home mortgage, houston, hud, idaho, illinois, indiana, indianapolis, iowa, jackson, jefferson, kansas, kansas city, kentucky, las vegas, leesburg, lincoln, los angeles, lousiana, maine, maryland, massachussetts, miami, michigan, minnesota, misouri, mississippi, missouri, montana, mortgage compliance attorney, Mortgage Modification, mortgage rip off, mortgage violations, nebraska, Nevada, new hampshire, new jersey, new mexicco, new orleans, new york, North Carolina, north dakota, Ohio, oklahoma, oregon, orlando, pennsylvania, pertersburg, phoenix, Predatory lending, RESPA, respa violation, rhode island, richmond, roanoke, sacrimento, san francisco, santa fe, short sale attorney, short sale expert, short sale negotiator, short sale realtor, south dakota, stop foreclosure, tennessee, texas, TILA, tila violation, unaffordable mortgage, upstate, utah, vermont, Virginia, warrenton, washington, washington dc, west virginia, winchester, wisconsin, wyoming

Lenders who might seek deficiency judgments currently on the implode list:

381. Assurity Financial Services, LLC
380. Premium Capital Funding, LLC dba TopDot Mortgage
379. First Regional Bank, Century City
378. Security Atlantic Mortgage Co.
377. Apex Lending, Inc.
376. Charter Bank, Santa Fe
375. Equitable Trust Mortgage Corp.
374. AmTrust Bank
373. Dynamic Capital Mortgage
372. Lend America / Lending Key
371. New South Federal Savings Bank
370. AME Financial Corp.
369. Envision Lending Group Inc.
368. Warren Bank
367. Stockton Turner & Company
366. The Lending Company Inc. – Wholesale
365. Capmark Financial Group Inc.
364. Northeast Mortgage Corp.
363. Security Mortgage Corporation
362. Windsor Capital Mortgage Corp.
361. First Rate Capital Corp.
360. StoneWater Mortgage Corp.
359. First National Bank of the South – Wholesale
358. Senderra Funding – Wholesale
357. Capstone Realty Advisors
356. Granite Mortgage, Inc.
355. Worldwide Financial Resources Inc.
354. Guaranty Bank – Warehouse
353. Colonial Bank
352. Corus Bank
351. America One Finance
350. Taylor, Bean & Whitaker Mortgage Corp. – Wholesale
349. 1st Reverse Financial Services LLC
348. HCI Mortgage
347. BankersWest Funding Corp.
346. American Partners Bank
345. Senior Lending Network
344. BankUnited, F.S.B.
343. Precision Financial, Inc.
342. Accredited Home Lenders, Lone Star Funds
341. Wells Fargo – Small-Cap Commercial
340. Guaranty Bank – GB Mortgage
339. American Sterling Bank
338. Chase Home Mortgage – Construction Lending
337. First Security Loan Corp
336. South Pacific Financial Corp. – Wholesale
335. Home Loan Consultants, Inc.
334. Central States Mortgage
333. HSBC – HFC & Beneficial
332. JPMorgan Chase – Warehouse
331. Ameritime Mortgage Co. LLC
330. Perfect Mortgage – PerfectFHA
329. EquiFirst
328. Residential Loan Centers of America
327. CU National Mortgage
326. Colonial National Mortgage – Wholesale
325. U.S. Mortgage Corp. – Retail
324. First Interstate Financial – Wholesale
323. Realty Mortgage Corp.
322. Vertice
321. USA Home Loans – Wholesale
320. SunTrust Mortgage – FHA Wholesale
319. First Federal – Wholesale
318. 21st Mortgage – Wholesale
317. J.B. Nutter & Co. – Wholesale
316. Homebridge Mortgage Bankers – Refinance.com
315. 1st Republic Mortgage Bankers
314. Superior Mortgage Corp – Wholesale
313. Wall Street Financial Corp – Wholesale
312. Fairfield Financial Mortgage Group
311. Chase Prime – Wholesale
310. Sunshine & Madison Mortgage Corp
309. Liberty One Lending
308. Frontier Investment Co.
307. Solstice Capital Group – HSBC
306. MortgageIT
305. HCL Finance Inc. – Wholesale
304. LIME Financial Svcs. – Wholesale
303. Mortgage Network Inc. – Wholesale
302. Fortes Financial – Wholesale
301. HSBC Mortgage Corp. – Wholesale
300. CBRE Realty Finance
299. Franklin Bank, SSB
298. Mortgage Lion, Inc. – Wholesale
297. HMS Capital, Inc.
296. CTX Mortgage Co. – Retail
295. Equity One Commercial
294. Coldstream Financial Svcs.
293. Banco Popular North America – Wholesale
292. Ace Mortgage Funding, LLC
291. E-Loan
290. Gateway Bank, F.S.B. – Wholesale
289. First Call Mortgage Co.
288. Downey Savings and Loan – Wholesale
287. Prospect’s Metrocities Mortgage – Wholesale
286. ComCor Mortgage – Wholesale
285. Chevy Chase Bank – Wholesale
284. Washington Mutual – Retail and Warehouse
283. Hometown Commercial Capital
282. Mid Atlantic Capital LLC
281. Kemper Mortgage, Inc.
280. Liberty Mortgage Funding Co.
279. Freddie Mac
278. Fannie Mae
277. Pacific Community Mortgage, Inc. – Gold Reverse, Inc.
276. Homecomings Financial, LLC
275. Thornburg Mortgage
274. CSB Mortgage
273. Carteret Mortgage Corporation
272. Western Residential Mortgage
271. Liberty Home Lending
270. Equipoint Financial Network, Inc.
269. Ideal Mortgage Bankers, Ltd. – Wholesale
268. Silver State Bank – Wholesale
267. Irwin Union Bank & Trust Co. – Wholesale
266. SunTrust Bank Equity Wholesale
265. Wachovia Mortgage, FSB – Wholesale
264. Lehman Brothers SBF
263. IndyMac Bancorp
262. Mortgages Ltd.
261. Wilmington Finance – Wholesale
260. Accredited Home Lenders, Home Funds Direct
259. Assured Lending Corp. – Wholesale
258. Homewide Lending Corporation
257. Vanguard Mortgage & Title, Inc.
256. Chase Home Equity – Wholesale
255. Chase Subprime – Wholesale
254. Evergreen Investment & Carnation Banc
253. Casa Blanca Mortgage/Shearson – Wholesale
252. Guaranty Bank – Correspondent
251. Citi Residential Lending
250. Montgomery Mortgage Capital Company
249. E*Trade Wholesale Lending
248. Shearson Financial Network, Inc.
247. American Bank Mortgage Group – Wholesale
246. AmeriBanc Corp.
245. Washington Mutual – Wholesale
244. Century Bank, F.S.B. – Wholesale
243. Diversified Mortgage, Inc.
242. National Wholesale Funding
241. Centennial Mortgage and Funding, Inc./Award Mortgage
240. Fidelity Home Mortgage Corp.
239. LMI Funding, Inc.
238. Millennium Mortgage – Wholesale
237. Origen Financial, Inc. (Correspondent)
236. CitiMortgage – Home Equity Wholesale
235. Bear Stearns Residential Mortgage
234. East West Mortgage Co. of VA
233. New Vision Residential Lending
232. Washington Savings Bank, F.S.B. – Wholesale
231. Macquarie Mortgages USA Inc.
230. Global Mortgage, Inc.
229. Unique Mortgage Solutions (UMS, LLC)
228. First Franklin – Merrill Lynch
227. First National Mortgage Sources
226. Resource Mortgage (Wholesale)
225. KH Financial
224. Lydian Mortgage
223. OMG Wholesale Lending
222. Saxon Mortgage (Wholesale)
221. Beazer Mortgage Corp.
220. Allpointe Mortgage (Broker Program)
219. Popular Warehouse Lending
218. Allied Lending Corp. (Wholesale)
217. BF Saul Wholesale Lending
216. Community Resource Mortgage
215. Lehman/Aurora Loan Services
214. Residential Mortgage Capital
213. Maverick Residential Mortgage
212. Countrywide Financial Corp.
211. First NLC Financial Services
210. First American Bank (Wholesale)
209. Soma Financial
208. National City Corp. (Wholesale)
207. Heartland Wholesale Funding
206. Homefront Mortgage Inc.
205. PNC Bank H.E.
204. Family First Mortgage Corp.
203. First Fidelity Financial
202. BSM Financial
201. 1st Choice Mortgage
200. Wescom Credit Union
199. Coast Financial Holdings/Coast Bank
198. WaMu (Subprime)
197. First Madison Mortgage
196. Southern Star Mortgage
195. TransLand Financial
194. Secured Bankers Mortgage Company (SBMC)
193. ComUnity Lending
192. Delta Financial Corp
191. BayRock Mortgage
190. Empire Bancorp
189. Option One – H&R Block
188. Citigroup – FCS Warehouse
187. Charter One (Wholesale)
186. Wells Fargo – Home Equity
185. Paul Financial, LLC
184. Webster Bank (Wholesale)
183. Fieldstone Mortgage Company
182. Tribeca Lending Corp. (Wholesale)
181. WAMU Comm. Correspondent
180. Marlin Mortgage Company
179. Countrywide Specialty Lending
178. UBS Home Finance
177. MortgageIT-DB (Retail)
176. Edgewater Lending Group
175. ResMAE Mortgage Corp.
174. Citimortgage Correspondent (2nds)
173. AMC Lending
172. Liberty American Mortgage
171. Exchange Financial (Wholesale)
170. FirstBank Mortgage
169. Bank of America (Wholesale)
168. Diablo Funding Group Inc.
167. Honor State Bank
166. Spectrum Financial Group
165. Priority Funding Mortgage Bankers
164. BrooksAmerica Mortgage Corp.
163. Valley Vista Mortgage
162. New State Mortgage Company
161. Summit Mortgage Company
160. WMC
159. Paragon Home Lending
158. First Mariner Wholesale
157. The Lending Connection
156. Foxtons, Inc.
155. SCME Mortage Bankers
154. Aapex Mortgage (Apex Financial Group)
153. Wells Fargo (various Correspondent and Non-prime divisions)
152. Nationstar Mortgage
151. Decision One (HSBC)
150. Impac Lending Group
149. Long Beach (WaMu Warehouse/Correspondent)
148. Expanded Mortgage Credit Wholesale
147. The Mortgage Store Financial
146. C & G Financial
145. CFIC Home Mortgage
144. All Fund Mortgage
143. LownHome Financial
142. Sea Breeze Financial Services
141. Castle Point Mortgage
140. Premium Funding Corp
139. Group One Lending
138. Allstate Home Loans / Allstate Funding
137. Home Loan Specialists (HLS)
136. Transnational Finance Wholesale
135. CIT Home Lending
134. Capital Six Funding
133. Mortgage Investors Group (MIG) – Wholesale
132. Amstar Mortgage Corp
131. Quality Home Loans
130. BNC Mortgage (Lehman)
129. First National Bank of Arizona
128. Chevy Chase Bank Correspondent
127. GreenPoint Mortgage – Capital One Wholesale
126. NovaStar, Homeview Lending
125. Quick Loan Funding
124. Calusa Investments
123. Mercantile Mortgage
122. First Magnus
121. First Indiana Wholesale
120. GEM Loans / Pacific American Mortgage (PAMCO)
119. Kirkwood Financial Corporation
118. Lexington Lending
117. Express Capital Lending
116. Deutsche Bank Correspondent Lending Group (CLG)
115. MLSG
114. Trump Mortgage
113. HomeBanc Mortgage Corporation
112. Mylor Financial
111. Aegis
110. Alternative Financing Corp (AFC) Wholesale
109. Winstar Mortgage
108. American Home Mortgage / American Brokers Conduit
107. Optima Funding
106. Equity Funding Group
105. Sunset Mortgage
104. Nations Home Lending
103. Entrust Mortgage
102. Alera Financial (Wholesale)
101. Flick Mortgage/Mortgage Simple
100. Dollar Mortgage Corporation
99. Alliance Bancorp
98. Choice Capital Funding
97. Premier Mortgage Funding
96. Stone Creek Funding
95. FlexPoint Funding (Wholesale & Retail)
94. Starpointe Mortgage
93. Unlimited Loan Resources (ULR)
92. Freestand Financial
91. Steward Financial
90. Bridge Capital Corporation
89. Altivus Financial
88. ACT Mortgage
87. Alliance Mortgage Banking Corp (AMBC)
86. Concord Mortgage Wholesale
85. Heartwell Mortgage
84. Oak Street Mortgage
83. The Mortgage Warehouse
82. First Street Financial
81. Right-Away Mortgage
80. Heritage Plaza Mortgage
79. Horizon Bank Wholesale Lending Group
78. Lancaster Mortgage Bank (LMB)
77. Bryco (Wholesale)
76. No Red Tape Mortgage
75. The Lending Group (TLG)
74. Pro 30 Funding
73. NetBank Funding, Market Street Mortgage
72. Columbia Home Loans, LLC
71. Mortgage Tree Lending
70. Homeland Capital Group
69. Nation One Mortgage
68. Dana Capital Group
67. Millenium Funding Group
66. MILA
65. Home Equity of America
64. Opteum (Wholesale, Conduit)
63. Innovative Mortgage Capital
62. Home Capital, Inc.
61. Home 123 Mortgage
60. Homefield Financial
59. First Horizon Subprime, Equity Lending
58. Platinum Capital Group (Wholesale)
57. First Source Funding Group (FSFG)
56. Alterna Mortgage
55. Solutions Funding
54. People’s Mortgage
53. LowerMyPayment.com
52. Zone Funding
51. First Consolidated (Subprime Wholesale)
50. SouthStar Funding
49. Warehouse USA
48. H&R Block Mortgage
47. Madison Equity Loans
46. HSBC Mortgage Services (correspondent div.)
45. Sunset Direct Lending
44. Kellner Mortgage Investments
43. LoanCity
42. CoreStar Financial Group
41. Ameriquest, ACC Wholesale
40. Investaid Corp.
39. People’s Choice Financial Corp.
38. Master Financial
37. Maribella Mortgage
36. FMF Capital LLC
35. New Century Financial Corp.
34. Wachovia Mortgage (Correspondent div.)
33. Ameritrust Mortgage Company (Subprime Wholesale)
32. Trojan Lending (Wholesale)
31. Fremont General Corporation
30. DomesticBank (Wholesale Lending Division)
29. Ivanhoe Mortgage/Central Pacific Mortgage
28. Eagle First Mortgage
27. Coastal Capital
26. Silver State Mortgage
25. ECC Capital/Encore Credit
24. Lender’s Direct Capital Corporation (wholesale division)
23. Concorde Acceptance
22. DeepGreen Financial
21. American Freedom Mortgage, Inc.
20. Millenium Bankshares (Mortgage Subsidiaries)
19. Summit Mortgage
18. Mandalay Mortgage
17. Rose Mortgage
16. EquiBanc
15. FundingAmerica
14. Popular Financial Holdings
13. Clear Choice Financial/Bay Capital
12. Origen Wholesale Lending
11. SecuredFunding
10. Preferred Advantage
9. MLN
8. Sovereign Bancorp (Wholesale Ops)
7. Harbourton Mortgage Investment Corporation
6. OwnIt Mortgage
5. Sebring Capital Partners
4. Axis Mortgage & Investments
3. Meritage Mortgage
2. Acoustic Home

Further if your law firm is in the debt consolidation business and you are in any of the jurisdictions below and you have an excellent track record of success, we’d like to talk to you.

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