Fraud Digest Lynn Szymoniak, Esq.

WHO’S SIGNING NOW?

Lynn E. Szymoniak, Esq., July 20, 2011

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1. Who were the top mortgage document signers in the first half of 2011?

2. Which trusts that closed in 2005, 2006 and 2007 repeatedly filed mortgage assignments signed and notarized in 2011?

3. Who was the most prolific MERS Certifying Officer in the first half of 2011?

Bonus Question: Which law firm used the following phrase instead of an actual date for the assignments:

“At or before the ensealing and delivery of these presents the receipt whereof is hereby acknowledged…”

1. TOP MORTGAGE DOCUMENT SIGNERS, JAN. – JUNE, 2011

From American Home Mortgage Servicing in Jacksonville:
Christine Alday
Elizabeth Boulton
Andrew Fuerstenbeger
Michelle Halyard
Tonya Hopkins
Joseph Kaminski
Kasea Matthews
Harold Nord, III
Yvette Washington

From Aurora Loan Services in Scotts Bluff, Nebraska:
Jan Walsh

From BAC Home Loan Servicing in Simi Valley, California:
Malik Basurto

Nichole Clavadetscher

Youda Crain
Mercedes Judilla
Srbui Muradyan
Swarupa Slee

From Carrington Mortgage Services, LLC in Santa Ana, California:
Tom Croft

Greg Schleppy


From Chase Home Finance in Franklin County, Ohio:
David Ellis

From CitiMortgage in St. Charles, Missouri:
Kim Krakoviak

Aaron Menne

Scott Scheiner

From GMAC in Upper Dublin Township, Pennsylvania:
Sandy Broughton

Donald Dempsey

Thomas Strain

From HomEq Servicing in North Highlands, California:
Noriko Colston

From HSBC Mortgage Corp. in Depew, New York:
Michael Peter

From IndyMac Mortgage Services in Austin, Texas:
Suchan Murray

JC San Pedro

David Rodriguez
Mollie Schiffman
Mike Stanford

From JP Morgan Chase in Jacksonville, Florida:
Nura Nadarevic

From Litton Loan Servicing in Dallas, Texas:
Debra Lyman

Marti Noriega

From Nationwide Title Clearing in Palm Harbor, Florida:
Bryan Bly

Vilma Castro

Kim Goelz
Mary Sarmiento

From Ocwen Loan Servicing, LLC in West Palm Beach, Florida:
Christina Carter

Lesli Goodman

Rene Martinez

From Orion Financial Group in Southlake, Texas:
M. Arndt

M.E. Wileman

From Saxon Mortgage Service in Fort Worth, Texas:
Regina Alexander

John Cottrell

From Select Portfolio Servicing in Salt Lake City, Utah:
Bill Koch

Jeff Young

From Wells Fargo Home Mortgage in Minneapolis, Minnesota:
Nicholas Hoye

Janet L. Jones

Carissa Keeler
Carla Naughton
Ricky Thompson

2. MORTGAGE-BACKED TRUSTS, CLOSED BEFORE 2008, USING MORTGAGE ASSIGNMENTS SIGNED IN 2011

Aames Mortgage Investment Trusts

ABFC Trusts

Ace Securities Corp. Home Equity Loan Trusts
American Home Mortgage Assets Trusts
American Home Mortgage Investment Trusts
Ameriquest Mortgage Securities, Inc. Trusts
Argent Securities, Inc. Trusts

Banc of America Alternative Loan Trusts

Banc of America Funding Trusts

Bear Stearns Alt-A Trusts

Bear Stearns ARM Trusts

Bear Stearns Asset-Backed Securities Trusts
BNC Mortgage Loan Trusts

Carrington Home Equity Loan Trusts
Carrington Mortgage Loan Trusts

Citigroup Mortgage Loan Trusts
CSFB Trusts

CSMC Trusts

CWABS Trusts

CWALT Trusts

CWMBS Trusts

Deutsche Bank Alt-A Securities Inc. Mortgage Loan Trusts
First Franklin Mortgage Loan Trusts
First NLC Trusts

Fremont Home Loan Trusts

GSAA Home Equity Trusts

GSAMP Trusts

GSR Mortgage Loan Trusts

Harborview Mortgage Loan Trusts

HSI Asset Securitization Corp. Trusts

IndyMac IMSC Mortgage Loan Trusts

IndyMac INDX Mortgage Loan Trusts

Long Beach Mortgage Loan Trusts

MASTR Alternative Loan Trusts

MASTR Asset-Backed Securities Trusts

Morgan Stanley Capital I, Inc. Trusts

NatIxis Real Estate Capital Trusts

New Century Home Equity Loan Trusts

New Century Mortgage Loan Trusts

Nomura Home Equity Loan Trusts

NovaStar Home Equity Loan Trusts

NovaStar Mortgage Funding Trusts

Option One Mortgage Loan Trusts

RALI Trusts

RAMP Trusts

Residential Asset Securitization Trusts

Saxon Asset Securities Trusts

Securitized Asset-Backed Receivables Trusts

Soundview Home Loan Trusts

Structured Asset Investment Loan Trusts

Structured Asset Mort. Investments II Trusts

Structured Asset Mort. Investments II, Inc. Bear Stearns Alt-A Trusts
WaMu Trusts

Wells Fargo Asset Securities Corp. Trusts

3. MOST PROLIFIC MERS CERTIFYING OFFICER: NICHOLAS HOYE

Nicholas Hoye from the Minneapolis, Minnesota offices of Wells Fargo Home Mortgage is the winner of the “Busiest Signer of 2011 Award.”

Hoye signed thousands of mortgage assignments in the first six months of 2011. Hoye most often signs to convey mortgages to his employer, Wells Fargo. Hoye has signed as a Certifying Officer for MERS as Nominee for at least 40 mortgage companies. The runner-up is Ricky L. Thompson, also from Wells Fargo.

BONUS QUESTION

WHICH LAW FIRM USED THE MOST CREATIVE PHRASE (IN LIEU OF AN ACTUAL DATE) TO IDENTIFY THE DATE THE ASSIGNMENT WAS MADE?

When did the trust acquire the mortgage? What was the exact date the mortgage changed hands? According to thousands of documents, the date was:

“At or before the ensealing and delivery of these presents the receipt whereof is hereby acknowledged…”

Ben-Ezra & Katz, P.A.
2901 Stirling Road, Suite 300
Fort Lauderdale, FL 33312

This is one of the LPS affiliated law firms, a/k/a foreclosure mills - that was being investigated rigorously by June Clarkson and Theresa Edwards of the Florida Attorney General’s office – until that moment when Clarkson and Edwards were escorted rigorously out the door.

Signers come and signers go, but the practices of banks and their servicers remain the same.