When the paper trail goes cold, we heat it back up. Forensic Pierce delivers investigative-grade forensic audits that trace every assignment, every endorsement, and every filing — from the county recorder's office to the SEC's EDGAR database.
Each engagement draws on all four disciplines. We tailor the depth and scope to your case.
Full-spectrum examination of residential and commercial mortgage-backed securitization trusts. We reconstruct the trust's structure, verify party roles, and identify breaks in the chain of assignment.
Every mortgage travels through multiple hands before — and after — securitization. We trace the full assignment path and flag every missing link, defective endorsement, and untimely recording.
We reconstruct the securitization transaction from origination through the trust, verifying compliance with the governing agreements and applicable securities law at every step.
Proprietary AI Labyrinth technology traps unauthorized AI crawlers and bots attempting to scrape documents. Hardened honeypot mazes with clip-path evasion, decoy content networks, and real-time fingerprint logging.
A disciplined, document-first approach — no shortcuts, no assumptions.
We receive your case file — loan documents, assignments, notices, and correspondence. Together we define the precise scope: which trust, what time period, and the specific questions you need answered.
We pull records from county recorder offices (3,100+ counties nationwide), the SEC EDGAR database, MERS® system, and other public repositories. Every document is catalogued, timestamped, and cross-referenced.
We build a chronological timeline of every transfer, assignment, and endorsement. Each link is verified against the governing agreement. Gaps, contradictions, and irregularities are flagged and documented.
We compare what the governing agreements required against what actually happened. Missing assignments, unsigned endorsements, late recordings, and trust-closing-date violations are catalogued with supporting exhibits.
You receive a structured, exhibit-backed findings report — suitable for litigation support, settlement negotiation, or regulatory submission. Every finding is tied to a specific document, date, and governing provision.
Real patterns we've identified across hundreds of securitization trust examinations.
Our forensic audit services support a broad range of stakeholders.
Exhibit-backed findings for foreclosure defense, quiet title actions, and wrongful foreclosure claims.
Independent verification that the party claiming the right to foreclose actually holds that right.
Multi-million-dollar commercial mortgage trust audits and chain-of-title verification.
Proof-of-claim verification: does the claimant hold a valid, enforceable secured interest?
Due diligence on RMBS and CMBS portfolios — identify defective trusts before acquisition.
Chain-of-title curative work, prior audit validation, and title defect resolution.
Regulatory compliance audits, pattern-and-practice investigations, and enforcement support.
Neutral, document-based fact-finding to support informed settlement discussions.
Every case starts with a confidential consultation. Tell us what you need examined — we'll outline the scope, timeline, and deliverables.
Fill out the form below with your case details.
We assess your documents and define audit scope.
Clear scope, fixed fee or hourly, signed NDA.
Structured report with exhibits and citations.
The mortgage industry built a machine that runs on paperwork errors. Here is what they are counting on you not knowing.
In securitized mortgage trusts, assignments of the note and mortgage must occur by the trust's closing date. Forensic analysis regularly finds assignments executed years — sometimes a decade — after the cutoff. If the assignment is void, the trust never owned your loan.
Under the Uniform Commercial Code, the note and mortgage travel together. When a mortgage is recorded in MERS' name but the note is transferred to a trust, the chain breaks. Forensic Pierce traces the paper from origination to present — finding the breaks.
Before a court can grant foreclosure, the plaintiff must prove it holds the note. Forensic Pierce examines the PSA, the assignments, and the chain of endorsements to determine whether the foreclosing party actually has standing — or is relying on a defective chain of title.
Every assignment, every deed of trust, every substitution of trustee must be recorded in the county where the property sits. Forensic Pierce pulls the complete county recorder file and cross-references it against the trust's SEC filings. Discrepancies are exhibits.
The Pooling and Servicing Agreement filed with the SEC defines the rules. If the trust didn't follow its own rules — missed deadlines, improper transfers, uncorrected breaches — the audit report documents it. Every finding is tied to a specific SEC filing, page, and paragraph.
The securitization industry processes millions of loans through automated systems designed for speed — not accuracy. An audit from Forensic Pierce is the one thing their compliance systems weren't built to handle: a document-by-document, date-by-date comparison of what the PSA required against what actually happened.
Forged-on-Chain™, Forged-in-Trust™, Triple-Forged™, AccruStrike™, ForensicPierce™, IronGrid™, Trustee Keys™, and Quantum Salt™ are trademarks of Forged on Chain LLC.
Forged on Chain LLC is not a law firm and does not provide legal advice. Our products are self-help document preparation tools. Consult a licensed attorney for legal advice specific to your situation.