Friday, December 28, 2012

KIM v JPMORGAN CHASE BANK -- Acquisition of WAMU Mortgages from FDIC


Finally a taste of justice coming from Michigan.

 KIM v JPMORGAN CHASE BANK, NA Docket No. 144690. 

Argued October 10, 2012 (Calendar No. 9). Decided December 21, 2012.
In an opinion by Justice MARILYN KELLY, joined by Justices CAVANAGH, MARKMAN, and HATHAWAY, the Supreme Court held:

When a subsequent mortgagee acquires an interest in a mortgage through a voluntary purchase agreement with the FDIC, the mortgage has not been acquired by operation of law  and that subsequent mortgagee must comply with the provisions of MCL 600.3204 and record the assignment of the mortgage before foreclosing on the mortgage by advertisement. Any defect or irregularity in a foreclosure proceeding results in a foreclosure that is voidable, not void ab initio.
                                 _________________________________________________________

Commentary and observations from anonymous sender...

We still have no list/schedule of loans owned by WAMU that were allegedly transfered to the FDIC "by operation of law" at the time/date of alleged transfer to the FDIC and unfortunately the court in this case glosses this underlying foundational evidence.  But, this is still the initial unresolved problem with evidencing any transfer of any loan from WAMU to the FDIC, but in this case the argument put out by JP Morgan Chase that it acquired these undocumented notes from WAMU via the FDIC by "Operation of Law" is smacked down so there is an absolute need for JPM Chase to produce admissible documentation of the entire transfer of the loan starting with WAMU as originator and including evidence of the complete chain of indorsements, assignments or other contracts to prove up the complete transfer of the negotiable note, assuming the note is a nego instrument.  Neither of these transfers - WAMU to FDIC and FDIC to JP Morgan Chase - are likely to be able to be documented with respect to any loan and the track record (to my knowledge) in court so far is proving this "transfer failure" statement to be accurate:
Michigan Supreme Court, 2012 MIch. LEXIS 2220, Kim v JP Morgan Chase, NA., 20121221
Two transfers of plaintiffs' mortgage occurred on September 25, 2008. The first, between WaMu and the FDIC, was consummated when the Office of Thrift Management closed WaMu and appointed the FDIC as its receiver. This transfer took place pursuant to 12 USC 1821(d)(2)(A)(i) and (ii), which provide that the FDIC "shall, as conservator or receiver, and by operation of law, succeed to . . . all rights, titles, powers, and privileges of the insured depository institution . . . and title to the books, records, and assets of any previous conservator or other legal custodian of such institution." (Emphasis added.) Thus, when the FDIC succeeded to WaMu's assets, which included plaintiffs' mortgage, it did so by clear operation of a statutory provision—12 USC 1821(d)(2)(A). With respect to this transfer, the FDIC acquired plaintiffs' mortgage by operation of law.

But the FDIC only briefly possessed WaMu's assets, including plaintiffs' mortgage. It immediately transferred those assets to defendant. The dispositive question in this case is whether the second transfer of WaMu's assets—the [*11] transfer from the FDIC to defendant—took place by operation of law.

The seminal case discussing the term "operation of law" in the context of foreclosures by advertisement is Miller v Clark.16 In Miller, a mortgagee died intestate. The Court considered whether the guardian of his heirs was obliged to record an assignment of the mortgage before foreclosing on it by advertisement. The Court held:
The authority to foreclose such mortgages by advertisement is purely statutory, and all the requirements of the statute must be substantially complied with. To entitle a party to foreclose in this manner it is required, among other things, that the mortgage containing such power of sale has been duly recorded; and if it shall have been assigned, that all the assignments thereof shall have been recorded. And also that the notice shall specify the names of the mortgagor and the mortgagee, and of the assignee of the mortgage, if any.

Applying this proposition, we hold that the transfer of
WaMu's assets from the FDIC to Chase did not take place by operation of law. Defendant acquired WaMu's assets from the FDIC in a voluntary transaction; defendant was not forced to acquire them. Instead, defendant took the affirmative action of voluntarily paying for them. Had defendant not willingly purchased them, it would not have come into possession of plaintiffs' mortgage. WaMu's [*14] assets did not pass to defendant "without any act of [defendant's] own"20 or "regardless of [defendant's] actual intent."21 Accordingly, the Court of Appeals correctly concluded that defendant did not acquire WaMu's assets by operation of law.

________________________________________________________________________________

Prior Articles:

Mich. SC to review foreclosure case against JPMorgan Chase

Kim v. JP Morgan Chase Bank | Court Sets Aside Foreclosure Sale Where Assignee Of Mortgage Failed To Record Its Interest Prior To Sale
Michigan | Kim v. JP Morgan Chase Bank — Family Fights Foreclosure, Beats Bank in Court (VIDEO)  --

Thursday, December 20, 2012

California Homeowner Bill of Rights | State of California - Department of Justice - Kamala D. Harris Attorney General

California Homeowner Bill of Rights | State of California - Department of Justice - Kamala D. Harris Attorney General

Chase was One of Four Banks Found Guilty of Fraud - NYTimes.com

Four Banks Found Guilty of Fraud - NYTimes.com

MILAN — An Italian judge found four international banks guilty of fraud in a case involving the sale of derivatives to the city of Milan and ordered the confiscation of 88 million euros, about $117 million.
Judge Oscar Magi on Wednesday convicted Deutsche Bank, UBS, JPMorgan and Depfa Bank, as well as nine current and former bankers. In Italy, institutions may be held responsible as well individuals. The individuals received suspended sentences of six months to eight months.

 

Wednesday, December 12, 2012

CHASE PRETENDING TO BE A FORCE FOR GOOD

WATCH:    JPMORGAN CHASE'S DISGUSTING THANKSGIVING COMMERCIAL


 
Over Thanksgiving Chase ran the above commercial while simultaneously pretending to be a "force for good" in the world and kicking foreclosed homeowners to the curb.  Their split personality is disgusting to good decent people across the United States of America.  Chase is all about profits.  They are not about community.  They are not about doing good.  Chase is a Greed Machine.



 

Tuesday, December 4, 2012

Jamie Dimon Claims that JPMorgan Chase Bank is a "Force for Good"

 http://www.vanityfair.com/business/2012/11/jamie-dimon-tom-brady-hang-in-there#pluck-comment


In the above article published in the November 2012 edition of Vanity Fair, writers  William D. Cohan and Bethany McLean
When is foreclosing on thousands of decent Americans -- active duty military, veterans, widows, seniors, decent hardworking people -- considered a "force for good."  When is stringing people along by putting them in trial loan modifications with no intent of follow through a "force for good."

Jamie Dimon and his minions have lied to the American people, our lawmakers, judges and juries across the land. Why?  To steal our homes, destroy our lives and families, and wreak havoc on our communities.

Jamie Dimon respresents all that it evil in the banking industry.  He is no force for good.  He is an instrument for evil.

Homeowner's Testimony Before California Legislature

Wednesday, November 7, 2012

THE SAGA OF THE PURCHASE & ASSUMPTION OF WASHINGTON MUTUAL BANK CONTINUES

    We have a game of veritable "Hide & Seek" among the FDIC, JPMorgan Chase Bank, and courts across America during the discovery process in cases involving foreclosed homeowners.  JPMC hires law firms to obfuscate and delay discovery at the most basic of level.  Allegedly these attorneys have delivered fraudulent documents.  The intent is to wear the homeowner down so that they simply will give up and abandon their fight.

Since Washington Mutual Bank was acquired by JPMorgan Chase Bank NA (JPMC) through the FDIC as Receiver much controversy has arisen as to the veracity of Chase's foreclosure standing in cases involving borrowers with Washington Mutual Bank, Washington Mutual Bank FA or their affiliates.  Both JPMC and the FDIC have obfuscated the truth about their behind-closed-door agreement for the purchase of Washington Mutual Bank.  The end result is that thousands of homeowners have been foreclosed by JPMC.  Families and communities continue to be hurt in the name of greed.

Affidavits given by Jeffrey Thorne and Michael D. Zarro filed in two other court cases. contend that the true and complete Purchase & Assumption Agreement consists of approximately 118 pages.  However JPMC has filed a 39 page Purchase & Assumption Agreement that contains no loan inventory or even a book value for these mortgage loans.

The drama continues as FDIC and JPMC through their battery of attorneys fight discovery of the true and complete PAA.  One such case, Kelley v. JPMorgan Chase Bank NA et al, filed in the Bankuptcy Court in the Northern District of California, lays out the extraordinary struggle between the plaintiff and defendants to obtain what FDIC alleges to be a public document available on the internet. 

Herein lies the latest chapter in this saga:

On November 5, 2012 Robert Schoppe, Assistant Director of the Division of Resolutions & Receiverships, FDIC, at Dallas, Texas, prepared a declaration submitted in the US Bankruptcy Court for the Northern District of California, Division 6, as a result of a Third Party Subpoena in an adversarial proceeding James Madison Kelley v. JPMorgan Chase Bank NA et al (Case No. 10-05245).

Schoppe has personal knowledge of how the FDIC maintains its official records and documents in the regular courts of its business in administering the Receivership for Washington Mutual Bank (WaMu).  He has access to all such official records and documents. 

The Purchase and Assumption Agreement (PAA) entered into among the FDIC as Receiver of WaMu, the FDIC in its corporate capacity, and JPMorgan Chase Bank, NA (JPMC) was finalized for signature and signed on September 25, 2008.  Schoppe declared that after signing that the parties realized corrections needed to be made. On September 28, 2008, FDIC-Receiver emailed to JPMC proposed corrections to the PAA.  On September 28 or 29, 2008, the parties signed the corrected PAA. 

Thus five PAA documents exist as described below:
  1. The PAA finalized for signature on September 25, 2008
  2. The PAA (1) was then signed on September 25, 2008. [Schoppe states that there is no difference between documents 1 & 2 other than the actual signatures.]
  3. A corrected PAA that was exchanged with JPMC on September 28, 2008.
  4. The PAA that was exchanged with JPMC on September 28, 2008, showing electronic signatures.
  5. The "final " PAA signed on September 28 or 29, 2008 known as the "Final Executed P&A Agreement." Schoppe declared that the words "Execution Copy" are located in the footer of the document and that the "Final Executed P&A Agreement" is the final PAA.  Schoppe claims that other than the electronic signatures (as opposed to actual signatures) that there are no differences between the documents #4 and #5. The "Final Executed P&A Agreement" was attached as Exhibit 1 to his June 15, 2012 Declaration (Dkr. No. 212, Ex. 1).  This alleged "Final Executed P&A Agreement" is a public document, available on the internet at www.fdic.gov/about/freedom/Washington_Mutual_P_and_A.pdf
Schoppe further stated that the alleged "Final Executed P&A Agreement, eight 1-page addenda were entered into and attached collectively as Exhibit 2 to his June 15, 2012 Declaration.

Schoppe declares under penalty of perjury that the "Final Executed P&A Agreement" and attached addenda described above is "the operative version of the PAA used to administer the Washington Mutual Bank Receivership.

This alleged final PAA consists of 44 pages.  No inventory of home mortgages is included.

JPMC never gave the FDIC an inventory of the mortgages. 

As of this date the documents filed with this Declaration have not been uploaded to PACER. 

You may view the Schoppe 11/5/2012 declaration at  Declaration of Robert Schoppe (FDIC) 11/5/2012

Monday, November 5, 2012

JPMorgan Chase Bank Loses in Fannie Y Freddie Lawsuit



Decision in FHA v JPMorgan Chase Bank Issued November 5, 2012

California Homestead Exemption: Automatic vs. Declared

WHAT IS A HOMESTEAD DECLARATION? 

The HOMESTEAD DECLARATION is document that is used to declare your homestead and thereby obtain certain protections for some of the equity that may exist in your home.
 BACKGROUND
Under California law, homeowners are entitled to protection of a certain amount of equity in their home. The amount protected varies depending on the age, marital status, and income of the property owner.

The homestead exemption does not prohibit the sale of the property. The property can be sold if the sale would produce enough money to:
  • Pay all existing liens on the property
  • Pay off all mortgages and loans secured by the equity in the home
  • Pay the costs of selling the home
  • Allow the homeowner to keep equity in the amount protected by the homestead exemption
Rather than prohibiting the sale, the homestead exemption merely ensures that the homeowner receives the amount of the exemption before the creditors are paid from the sale proceeds. The exempt funds received from the voluntary sale of the property remain exempt from debt collection attempts for six months, and can be used to purchase another residence.

The homestead exemption does not apply in the following situations:
  • Judgments obtained prior to the recording of the homestead declaration
  • Debts secured by encumbrances on the premises executed by the owner before the declaration was recorded
  • Obligations secured by mechanics' liens on the premises
  • Voluntary encumbrances on the premises, such as mortgages or deeds of trust
  • Judgments for child, family, or spousal support 
PROCEDURE

There are two types of Homestead Exemptions:
Automatic: applies only upon forced sale of the property. The automatic exemption requires continuous residence from the date the judgment creditor's lien attaches until the date the court determines that the dwelling is a homestead. If a creditor attempts to sell the home, the burden of proof is on the homeowner to prove to the court that an automatic homestead exemption exists.
Declared: applies both to forced and voluntary sales of the property. Exempt proceeds from a voluntary sale are protected if another home is purchased within 6 months. Homeowners must reside in the dwelling on the date the homestead declaration is recorded. If a creditor attempts to sell your home, the bu
rden of proof is on the creditor to prove to the court that your homestead declaration is invalid.

Requirements:
The homestead exemption applies only when certain requirements are met. These requirements, described in CCP 704.710, are:
  1. The residence must be the principal dwelling of the judgment debtor or his or her spouse.
  2. The judgment debtor, or their spouse, must reside at the dwelling on the date the judgment creditor's lien attached.
  3. The judgment debtor and/or their spouse must reside continuously thereafter until the date of the court determination that the dwelling is a homestead.
Eligible properties:
Homestead exemptions are available for a variety of dwelling types.  "Dwelling" means a place where a person resides and may include but is not limited to the following:
  1. A house or mobile home, together with the outbuildings and the land upon which they are situated.
  2. A boat or other waterborne vessel.
  3. A condominium, as defined in Section 783 of the Civil Code.
  4. A planned development, as defined in Section 11003 of the Business and Professions Code.
  5. A stock cooperative, as defined in Section 11003.2 of the Business and Professions Code.
  6. A community apartment project, as defined in Section 11004 of the Business and Professions Code.
Amount of exemption:
The amount of the exemption varies, depending on the age, marital status, and income of the property owner. Under CCP 704.720 - 704.730, the exemptions are:
  1. $75,000 unless the judgment debtor or their spouse who resides in the homestead is a person described below in (2) or (3)
  2. $100,000 if the judgment debtor or spouse is a member of a family unit (see definition below*), if at least one member of the family unit owns no interest in the homestead, or has only community property interest in the homestead with the judgment debtor.
  3. $175,000 if the judgment debtor who resides in the homestead is at the time of the sale  either (a) a person 65 years old, (b) a person physically or mentally disabled and as a result of that disability unable to engage in substantial gainful employment, or (c) a person 55 years old with a gross annual income less than $15,000, or, if the judgment debtor is married, a gross annual income, including that of the spouse, of not more than $20,000, and the sale is involuntary.

HOW MUCH IS PROTECTED BY THE "HOMESTEAD" EXEMPTION?

California Code of Civil Procedure sections 704.720 - 704.730 provide the exemption along with certain dollar amounts depending on your situation. Make sure to read these code sections if you are interested in knowing what you qualify for. By way of example, an unmarried individual under age 65 with no dependents or disabilities is entitled to an exemption of $75,000.
 Source:  http://www.1stoplegalforms.com/FormLs/FL_0101.asp?Page_ID=1

 California attorney Marlene S. Cooper writes in The Pasadena/San Gabriel Valley News Journal:
  • In these days of rampant debt faced by many of us, protecting the family home through a declaration of homestead could take on new significance.

    When financial obligations go unpaid, a person's creditor can go to court to seek payment of the debt. If a judgment is obtained against the debtor, the creditor can then file a judgment lien against the person's real estate, including the debtor's personal residence.

    Many times unsecured creditors simply wait for the house to be voluntarily transferred (or re-financed) and collect on the debt from the escrow proceeds; however, sometimes the house is sold involuntarily in foreclosure by the holder of a trust deed on the property or a sale is forced in execution of a money judgment.

    Homestead laws are designed to protect the sanctity of the family home against a loss caused by a forced sale of the home by creditors. It can ensure that insolvent debtors and their families are not rendered homeless by virtue of an involuntary sale of the residential property they occupy.

    The [California] homestead exemption can be obtained in two ways: (1) the automatic homestead exemption granted as a matter of law to every homeowner, and (2) an express declaration of homestead by the homeowner which is notarized and recorded with the county recorder.

    The amount of the exemption may be $50,000, $75,000 or $150,000 according to which statutorily-defined class of persons the homeowner falls into. The amount of equity protected is the same for each type of homestead exemption; however, they operate quite differently in terms of the protection afforded.

    The declared homestead provides much greater protection for the property owner than the automatic homestead.

    With the automatic homestead, the homeowner['s equity] is protected in the event of a forced foreclosure sale but not a voluntary sale. With the declared homestead, however, the exempt proceeds from a voluntary sale may be reinvested within six months, thus allowing the debtor to invest in another residence.

    With the automatic homestead, judgment liens attach to all interests in the property that are subject to the enforcement of money judgments. For the declared homestead, however, a judgment lien filed after the declaration of homestead can only attach to equity in an amount greater than the homestead exemption and any preexisting liens on the property.

    Another important distinction is that the declared homestead survives the death of the homestead owner whereas the automatic homestead does not.

    A Declaration of Homestead form can be purchased at office supply or legal stationery stores. For those who are internet savvy, the form can also be downloaded from the Registrar-Recorder's website in the real estate section (www.lavote.net). The fee to have the Declaration notarized and recorded is approximately $25.00. There is certainly nothing to lose but much to gain by taking the simple step of filling out and recording the declaration.
 

Thursday, September 27, 2012

Sheila Bair On Barack Obama - Business Insider

Sheila Bair On Barack Obama - Business Insider

 Bair's scathing opinion of these Obama appointees begs one obvious question: What does she think about their boss? She doesn't talk about him a lot, but here's what she has to say about a discussion she had with him about foreclosures on Air Force One:
We must have talked for a good twenty to thirty minutes. He wanted to hear about our work on loan modifications and on my prognosis on the health of the banking system and the overall economy. We talked about credit availability and small business. He was certainly focused on all of the right issues, and I was impressed with his sincerity, the depth of knowledge reflected in his questions, and his obvious desire to learn about what was going on in the banking sector and housing market from the front line vantage point of the FDIC. It was such a contrast from the conversations with his senior economic team where the attitude was that they already had all the answers and were talking to us only because the president wanted them to.
It's quite a contrast, and this is coming from a lifelong Republican and holdover from the Bush administration who voted for John McCain in 2008.
Bair goes on to say that of all the people in the president's administration, HUD Secretary Shaun Donovan was most interested in saving homeowners.
But worse than contrasting with Obama, Bair says that Summers and Geithner worked with Republicans against the president to ensure that banks didn't have to pay for bailout funds.
The disconnect is striking.

Tuesday, September 25, 2012

Attorney General Kamala D. Harris Announces National Administrator to Begin Foreclosure Refund Process | State of California - Department of Justice - Kamala D. Harris Attorney General

Attorney General Kamala D. Harris Announces National Administrator to Begin Foreclosure Refund Process | State of California - Department of Justice - Kamala D. Harris Attorney General

Federal Home Loan Banks are Major Players in Private Mortgage Backed Securities



Private-label MBS Collateral Statistics. 


The Federal Home Loan Banks generally purchase private-label Mortgage Backed Securities
rated triple-A (or its equivalent) by an NRSRO, such as Moody’s or S&P, at the time of purchase based on structural credit enhancements designed to withstand a significant increase in defaults combined with a sharp downturn in housing prices. Each Federal Home Loan Bank typically requires, at the time of purchase, credit enhancement that it believes to be above the amounts required for a triple-A credit rating by an NRSRO for non-agency mortgage-backed securities. 

Structural credit  enhancements include subordination and over-collateralization that are designed to absorb losses before an Federal Home Loan Bank will incur a loss on a security. Credit enhancement achieved through senior-subordinated features results in the subordination  of payments to junior classes to ensure cash flows are received by senior classes held by investors such as the Federal Home Loan Banks. In addition, monoline financial guarantors provide credit protection on some of the Federal Home Loan Banks’ securities in a form of secondary guarantees based on certain performance triggers.
See the“Monoline Insurance/Third-party Guarantors Credit Ratings and Outlook Table” for ratings and outlook status as of March 30, 2010. New loan modifications could affect the valuations and
credit enhancements of the FHLBanks’ mortgage-backed securities.


 http://www.fhlb-of.com/ofweb_userWeb/resources/09yrend.pdf

Friday, September 7, 2012

Washington Mutual Decides to Exit Wholesale April 2008

Washington Mutual Decides to Exit Wholesale


Here's the official announcement to brokers:
"Today, WaMu announced significant changes affecting our Home Loans business. As part of this announcement, and consistent with the company's retail focused strategy, WaMu has made the very difficult decision to exit the Wholesale lending business. In order to have an orderly shut down, we have determined the following critical dates:

April 10, 2008: Last date to submit new applications or locks.

May 31, 2008: All WaMu Wholesale Sales Centers will be closed by this date.

June 13, 2008: Generally, all loans must be closed/funded by this date. We will, however, honor outstanding loan commitments with expiration dates after June 13, 2008 up until the expiration dates set forth in those commitments.

June 30, 2008: All WaMu Wholesale loan fulfillment centers (LFCs) [San Diego, CA; Pleasanton, CA; Downers Grove, IL; and Jacksonville, FL] will be closed by this date.

Current Pipeline:
.. Locked loans with an expiration date prior to June 13, 2008 may be extended per current policy provided the loan is closed/funded by June 13, 2008.
.. Effective April 8, 2008, a condition will be added to each new commitment which will supersede the normal expiration provision.
.. Floating loans must generally be locked, closed/funded by June 13, 2008. Again, they may only close and funded after June 13, 2008 if a loan commitment has already been issued and the commitment expires after June 13, 2008.
.. If a loan is locked with an expiration date past June 13, 2008, it will not be honored unless a loan commitment has been issued and the commitment expires after June 13, 2008.
.. We are unable to make any exceptions regarding the closed/funded date of June 13, 2008. Again, however, we will honor outstanding commitments with commitment expiration dates beyond June 13, 2008.

WaMu will continue to originate loans through Consumer Direct and our Retail Lending channel.
Your Account Manager or Sales Manager will be available to support you while we transition out of this business.

This is a very hard day for WaMu and all of Wholesale Lending. We have appreciated your partnership and support over these many years and wish you the best as we move on to new opportunities."

Levin Goes After JPMorgan Chase with Subcommittee Investigation | FDL News Desk

Levin Goes After JPMorgan Chase with Subcommittee Investigation | FDL News Desk


Carl Levin is at it again. His Senate Subcommittee on Permanent Investigations, perhaps the best investigatory panel in Congress, particularly on financial matters, has honed in on JPMorgan Chase and the Fail Whale trades.
JPMorgan Chase & Co.’s wrong-way bets on derivatives are the focus of an escalating investigation by a U.S. Senate panel led by Carl Levin that has grilled executives from banks including Goldman Sachs Group Inc. and HSBC Holdings Plc, three people briefed on the inquiry said.

Levin’s Permanent Subcommittee on Investigations is seeking testimony from those who worked in or helped lead JPMorgan’s chief investment office, according to the people, who asked not to be identified because the inquiry isn’t public. The unit’s London staff lost at least $5.8 billion this year on the botched wagers, which were large enough to shift markets.

Thursday, August 30, 2012

In re Jolley ::: Secret FDIC & JPMorgan Chase Bank 118 Page Purchase and Assumption Agreement for Washington Mutual Bank Uncovered

In re Jolley ::: Secret FDIC & JPMorgan Chase Bank 118 Page Purchase and Assumption Agreement for Washington Mutual Bank Uncovered

JPMorgan Won’t Detail 500,000 Loans, Trustee Says

JPMorgan Won’t Detail 500,000 Loans, Trustee Says

S&P | Servicer Evaluation: JPMorgan Chase Bank N.A. | Europe

S&P | Servicer Evaluation: JPMorgan Chase Bank N.A. | Europe

SITE PATH TO MICHAEL ZARRO AFFIDAVIT


Site path to Zarro Document


  1. [PDF] 

    Telephone: (973) 993-8100

    File Format: PDF/Adobe Acrobat - Quick View
    McELROY, DEUTSCH; MULVANEY 8:'. CARPENTER, LLP. I300 Mount Kemble Avenue. P.O. Box 2075. Mon-nstown, New Jersey 07962. Telephone: (973) ...
  2. [PDF] 

    EXHIBITS TO THE AFFIDAVIT OF _

    File Format: PDF/Adobe Acrobat - Quick View
    CHASE HOME FINANCE LLC SUPERIOR COURT OF NEW JERSEY. CHAN CERY DIVISION. Plaintiff, COUNTY. ,_,s_ DOCKET NO F-. , ex al CIVIL ACTION ...
  3. [PDF] 

    JPMorgan Chase Bank, N.A. and Chase Home Finance LLC

    File Format: PDF/Adobe Acrobat - View as HTML
    JPMorgan Chase Bank, N.A. and Chase Home Finance LLC. LIST OF FORECLOSURE CASES FILED IN NEW JERSEY PRIOR TO DECEMBER 20, 2010 ...
  4. [PDF] 

    FORM OF CLASS [AF~_] [AV-_] CERTIFICATE

    File Format: PDF/Adobe Acrobat - Quick View
    EXHIBIT A-I. FORM OF CLASS [AF~_] [AV-_] CERTIFICATE. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF TI- IE ...
  5. [PDF] 

    VOLU1V[E ONE

    File Format: PDF/Adobe Acrobat - Quick View
    IN THE MATTER OF. RESIDENTIAL MORTGAGE. FORECLOSURE PLEADING AND. DOCUMENT IRREGULARITIES. »- C? FILED Jan 05, 2011 '5 H. ¢;(;;~ ...
  6. [PDF] 

    Part 3 - New Jersey Courts

    File Format: PDF/Adobe Acrobat - Quick View
    ¿fier Recording return to: [Servicer NnmelAddrœs]. POWER OF ATTORNEY. ICNOW ALL MEN BY THESE PRESENTS, that the undersigned, THE BANK OF ...
  7. [PDF] 

    Part 17 - New Jersey Courts

    File Format: PDF/Adobe Acrobat - Quick View
    ©2010 JPMorgan Chase & Co. All Rights Reserved. Contidential and Proprietary to JPMorgan Chase & Co. - For Internal Use Only. The attached tile represents ...
  8. [PDF] 

    MICHAEL R. ZARRO

    File Format: PDF/Adobe Acrobat - View as HTML
    CI-[ASE MORTGAGE FINANCE CORPORATION,. DEPOSITOR,. JPMORGAN CHASE BANK, N.A.,. SERVICER,. JPMORGAN CHASE BANK, N.A.,. CUSTODIAN ...
  9. [PDF] 

    Part 15

    File Format: PDF/Adobe Acrobat - Quick View
    Executing Foreclosure Documenîs New. Hire: Sysîenns and Resources (1 of 2) t Guide. " Home Lending. Learning 8» Performance Solutions ...
  10. [PDF] 

    CHASE 'ti

    File Format: PDF/Adobe Acrobat - Quick View
    FF. CHASE 'ti. QA Review of ADA for Remediation [Director's Script]. Operational Risk & Controls - Default Execution /. Enterprise—wide / Prime-Nonprime ...
  11. [PDF] 

    CHASE @

    File Format: PDF/Adobe Acrobat - Quick View
    CHASE @. QC Review of ADA for Re—Execution [Director's Script]. Foreclosure / Enterprise-wide / Prime-Nonprime '. Introduction. Forciosure Quality Control ...
  12. [PDF] 

    Foreclosure Cases Filed in New' Jersey Prior to December 20, 2010

    File Format: PDF/Adobe Acrobat - View as HTML
    JPMorgan Chase Bank, N.A. and Chase Home Finance LLC List of. Foreclosure Cases Filed in New' Jersey Prior to December 20, 2010. Volume 2 ...
  13. [PDF] 

    Executing Foreclosure Documents

    File Format: PDF/Adobe Acrobat - Quick View
    Executing Foreclosure Documents. ~ New Hire: Systems and Resources. Home Lending. & Performance Solutions. Learning ...
  14. [PDF] 

    MORTGAGE LOAN SCHEDULE [INTENTIONALLY OMITTED]

    File Format: PDF/Adobe Acrobat - Quick View
    EXHIBIT B. CONTENTS OF MORTGAGE FILE. (i) With respect to each Mortgage Loan which is not a Co-op Loan: (A) (I) Original Mortgage Note bearing all ...
  15. [PDF] 

    JPMorgan Chase Bank, N.A. and

    File Format: PDF/Adobe Acrobat - View as HTML
    JPMorgan Chase Bank, N.A. and. IO '0. Chase Home Finance LLC. LIST OF FORECLOSURE CASES FILED IN NEW JERSEY PRIOR TO DECEMBER 20, 2010 ...
  16. [PDF] 

    EXECUTION COPY J.P. MORGAN ACCEPTANCE CORPORATION I

    File Format: PDF/Adobe Acrobat - View as HTML
    EXECUTION COPY. J.P. MORGAN ACCEPTANCE CORPORATION I. Depositor. LP. MORGAN MORTGAGE ACQUISITION CORP. Seller. IPMORGAN CHASE ...
  17. [PDF] 

    Exhibit 4.1 EXECUTION COPY CHASE MORTGAGE FINANCE ...

    File Format: PDF/Adobe Acrobat - View as HTML
    Exhibit 4.1. EXECUTION COPY. CHASE MORTGAGE FINANCE CORPORATION ,. DEPOSITOR,. IPMORGAN CHASE BANK, N.A.,. SERVICER,. JPMORGAN ...
  18. [PDF] 

    CHASE-Q

    File Format: PDF/Adobe Acrobat - Quick View
    CHASE-Q. Re-Executing the Amount Due Affidavit Manual Process. Foreclosure / Enterprise-wide / Prime Nonprime. Introduction. The purpose of this procedure ...
  19. [PDF] 

    Part 9 - New Jersey Courts

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    EXHIBIT B. CONTENTS OF MORTGAGE FILE. (i) With respect to each Mortgage Loan which is not a Co~op Loan: (A) (I) Original Mortgage Note bearing all ...
  20. [PDF] 

    LIMITED POWER OF ATTORNEY STATE OF: COUNTY OF:

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    LIMITED POWER OF ATTORNEY. STATE OF: COUNTY OF: FEDERAL HOME LOAN MORTGAGE CORPORATION (“Freddie Mac”), a corporation organized ...
  21. [PDF] 

    Part 4

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    AFTER ruzconornc RBTURNTO: _ __ _, ,_ nsmsn. r.onosn,rlAra\'ovrrz co..r.r-.n 1 - r '7-' 1 2450 Enrso.\' awn. TWINSBURG. OH 44087. LIMITED POWER OF ...
  22. [PDF] 

    Foreclosure Cases Filed in New Jersey Prior to December 20, 2010

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    FILED Jun 27, 2011. JPMorgan Chase Bank, N.A. and Chase Home Finance LLC List of. Foreclosure Cases Filed in New Jersey Prior to December 20, 2010 ...
  23. [PDF] 

    Part 14

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    Page 1. ‰‰ 5; … ___. _ E …ËTI_. „E »3 …mÓ‚Î. I\Ó\»_„^_ ______ _ __ _ _ _ _ __ @___. __„. ´. L … _ __ m __. EEEEEEEEEEEEEEE. A.. Page 2. Page 3 ...
  24. [PDF] 

    Part 21

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    Page 1. Page 2. Page 3. Page 4. Page 5. Page 6. Page 7. Page 8. Page 9. Page 10. Page 11. Page 12. Page 13. Page 14. Page 15. Page 16. Page 17 ...