Checking the assignment chain on your loan

Check the assignment chain

Line up the note, deed of trust and every recorded assignment to see who says they may foreclose — and write down gaps to ask about.

1. 1

   Start with the deed of trust

   Note the original lender, the beneficiary (sometimes MERS as nominee) and the trustee.

2. 2

   Add each assignment in date order

   Each should transfer from the last holder to the next. Note the signer, date signed and date recorded.

3. 3

   Compare with the notice of sale

   The notice names the mortgagee and servicer. Does it match the last assignment? A mismatch is a question for a lawyer — not proof that anything is wrong.

4. 4

   Answer the standing question

   Record what you found in the eight questions (standing / chain of title).

You search your own records. Techoclaro does not look up people.