!"#$% '#(%%$#) *+,- .#$/"#$# 0 !

"#$%12"#$%3#(%%$#4567 *+,- *8$529:;< Page 1 of S

!"#$% '( )$*+, -..,../,%* 0!1)-2 !",34+$.*


56 !178)917:; 8;!18<:
The following must be obtaineu fiom couithouse lanu iecoius in
B0TB Ceitifieu anu iegulai copies (one of each; ceitifieu copy
foi eviuence anu iegulai copy foi office use):

=== <;;<
(This can also be known as "Waiianty Beeu", "ueneial
Waiianty Beeu", "Special Waiianty Beeu", "uiant
Beeu", "Secuiity Beeu", "Substitute Tiustee's Beeu",
"Quit Claim Beeu", "Tax Beeu", oi "Abstiact Beeu". This
"ueeu iepiesents itself as the Instiument that conveys
the piopeity to you by the foimei ownei. The foimei
ownei woulu be the "uiantoi"; you (anu youi spouse, if
maiiieu), aie the "uiantee". This geneially staits youi
chain of title).

=== <;;<: 1> )87:) (Piomissoiy Note, if iecoiueu)
(This can also be iefeiieu to in juuicial states as a
"Noitgage". Also known as "Secuiity Beeu" oi
"Installment Contiact" in some states. Eithei of these
uocuments coulu iepiesent an equitable lien on youi
title.)

=== 91?; ;@75)A B5C;: 1> !8;<5) ("BEL0C";
Piomissoiy Note, if iecoiueu; BEL0Cs aie moitgage liens too!)

=== :;!1C< ?18)D-D; B5;C (Piomissoiy note, if
iecoiueu)
(This may also be known as a "Beeu of Tiust-Seconu
Lien".)

=== -EE15C)?;C) 1> :7!!;::18 )87:);;
C1)5!;:
(These aie founu in Beeu of Tiust States only!)

=== !1CF;A-C!;: 0-::5DC?;C):2
(These coulu be iepiesenteu as "Release of Lien";
"Satisfaction of Noitgage"; "Beeu of Reconveyance";
"Full (oi Paitial) Reconveyance"; "(Coipoiate"
Assignment of Noitgage oi Beeu of Tiust".)

=== C1)5!;: 1> <;>-7B) 18 >18;!B1:78;G 'H
C1)5!;: 1> )87:);;I: :-B;

=== )-J B5;C:K :)-); 18 >;<;8-BG 8;B;-:;: 1>
:-5< B5;C:G )-J <;;<:

=== ?-);85-B?;CI: B5;C:G ?;!9-C5!I: B5;C:G
91?;1LC;8: 18 !1C<1?5C57? -::1!5-)51C
B5;C: 18 <;;<:G 8;B;-:;: 1> :-5< B5;C:G
C1)5!; 1> !95B< :7EE18) B5;C:

=== <;M)18 N7<D?;C): (These might opeiate as a lien
against the piopeity!)

=== C1)5!;: 1> M-CO87E)!A -C< <5:!9-8D; 1>
M-CO87E)!A
(These may become moie impoitant to pievent lift of
automatic stay!)

=== :7M18<5C-)51C -D8;;?;C): (moves a lien to a
junioi position)

!"# %"&'& ()*+,&-%' ./& -&*&''./# 000
It is first very important to understand that the checklist that is being
utilized nationally was developed by DK Consultants LLC ... and
for good reason. An education about the subject content of real
property records is essential before spending thousands of dollars on
audits and attorneys fees in litigating a case. The preceding list of
documents is generally found in virtually every real property record
in every county or township jurisdiction in the United States. When
visiting the recorders office to obtain your documents, please seek
the deputy recorders assistance if you are having difficulty locating
any of your documents. => ?6( 5"%%6< >:%@ " ;/$5:>:5 @65(7$%<) :<
56(9@ 3$ 3$5"(;$ " /"#<? <8"< 7"? 59":7 "% :%<$#$;< :% ?6(# 58":%
6> <:<9$ (1( -)% /&*)/( 1%4 ,8:; "//9:$; /"#<:5(9"#9? <6 ";;:A%7$%<;)
"//6:%<7$%<; 6> ;(3;<:<(<$ <#(;<$$ "%@ #$56%B$?"%5$; 6# #$9$";$;
6> 76#<A"A$ 9:$%;4

Your 2332 (in whatever form it may be in as shown above) is your
proof of ownership. Your Title Consultant has to view this
document in its entirety to determine whether the Property in
question contains issues as to whether the Property was lawfully
conveyed to you. You should be able to locate your deed by your
last name and first name in the Grantee Index.

After you take title to Property, should you wish to take out a
mortgage against it (to buy or build a house on this property for
example), you then become the Grantor. All of the liens interests
youve granted should be found in the Grantor Index. All Property
Records are listed by a Grantor-Grantee Index. Again, if you run
into trouble, ask for help for your county recorder.

When you take out a mortgage loan, the Lender you borrow the
money from becomes a lien holder against your Property until your
mortgage is paid in full. You are then known as the Mortgagor,
Grantor or Trustor, depending on what State your Property is
located in. The Lender will file what is known as a Security
Instrument against the Property in the land records to protect its lien
interest. These instruments come in many forms ... Mortgage ...
!"#$% '#(%%$#) *+,- .#$/"#$# 0 !"#$%12"#$%3#(%%$#4567 *+,- *8$529:;< Page 2 of S
Deed of Trust ... HELOC ... Second Mortgage ... these are ALL
liens against your Property. The Title Consultant needs to see
EACH ENTIRE DOCUMENT! 4)+ *.--)% '1,56# '&-( 1- 7+'%
%"& *)8&/ '"&&% .-( 6.'% 5.9&0 :&-( 1- ;<3 3=;>?3
2@ABC3=; D-) 'E1,51-9 .66)F&( "&/&GH

Your Lender may decide to sell its interest in your Property to
another party (or multiple parties). In order for each party to have a
recorded interest in the chain of title, an I::>J=C3=; must be
recorded in the county real property records. Many times, these
assignments are not recorded, which means that (%2%6C%
:%<$#B$%:%A ";;:A%$$; may have an unrecorded interest in your
chain of title. This can be legally dangerous because it could expose
you or a future purchaser of your Property to @6(39$ 9:"3:9:<?; in
other words, you may think your Propertys lien is satisfied in full,
when in fact, the wrong party may have been paid off! This is why
in this day and age assignments (or the lack thereof) are
systemically problematic in the chain of title.

Any recorded -)%1*&' placed in the land records by a lienholder
may be required by State statute. It is important that the Title
Consultant see each of these notices, as it reflects a claim of lien
against the Property. On many occasions, there may be evidence of
lack of standing by a lien claimant. All lender-generated notices that
are filed in the land records can be used to determine whether the
lender (or its law firm) is acting with proper authority.

Copies of all KB2JC3=;: and other L>3=: (tax liens, mechanics
liens, child support liens, etc. as shown above) are also important
because these liens and judgments may be superior to the mortgage
lien of record. The Title Consultant needs to see these documents in
their entirety to determine whether there are conflicting issues with
these liens in the chain of title.

I9.1-M ,.E& '+/& %) )N%.1- %"& 3=;>?3 2@ABC3=; O)/ %"&
;1%6& A)-'+6%.-% %) /&81&FH


556 !178) >5B5CD: -C< -C!5BB-8A N7<5!5-B
<1!7?;C):
The following must be obtaineu fiom couithouse couit iecoius
in B0TB Ceitifieu anu iegulai copies (one of each; ceitifieu copy
foi eviuence anu iegulai copy foi office use):

=== 185D5C-B E;)5)51C )1 >18;!B1:; (if in a
juuicial state)

=== >5C-B N7<D?;C) (affecting foieclosuie)

=== <;)-5C;8 #%PQ'H ;F5!)51C C1)5!;: Q
E;)5)51C

=== >5C-B )8-C:!85E): (fiom couit pioceeuings, if
applicable)

On many an occasion, judicial foreclosure proceedings (in mortgage
states) may have already been commenced against the Property. The
Lender or lien claimant is attempting to exercise its rights in the
Security Instrument by foreclosing on the unpaid (and generally
defaulted) promissory note the Borrower signed at closing. If you
have a copy of the =@;3, please be sure to include the 3=;>?3
=@;3 for the Title Consultants Review, along with any foreclosure
complaints you may have been served with (in deed of trust states,
foreclosure is conducted by publication and sale); or notices you
may have received in the mail or by process server.


5556 :;!1C<-8A 7C8;!18<;< <1!7?;C):RR
The following must be obtaineu fiom souices outsiue of
couithouse couit oi lanu iecoius anu may be submitteu in
eithei affiuavit anuoi veiifieu foim. These also may only be
available as a iegulai copy ieceiveu by mail |please incluue the
envelope it came in if possiblej. A veiifieu copy is a copy signeu
befoie a notaiy. The oiiginal copy is foi eviuence anu the
iegulai copy foi office use):

=== !1??7C5!-)51C >81? -CA B;C<;8 18
:;8F5!;8
(Nost impoitant if the uocument puipoits to be
"communication fiom a Bebt Collectoi"; oi puipoits to
notify you of change in the lenuei oi seivicei.)

=== -CA OC1LC :6;6!6 <1!7?;C):S 1M)-5C;<
>81? D;C;8-B :;-8!9;: 05C!B7<5CD ?;8:
?5C 5< :;-8!9;:2

=== C1)5>5!-)51C >81? -CA B-L >58?
8;D-8<5CD >18;!B1:78;

=== <5:!B1:78; C1)5!;: >81? !B1:5CD
E-E;8L18O >5B;
(Paiticulaily notices affecting tiansfei of youi loan aftei
sale anu NERS!)

These documents are subject to review by the Title Consultant
depending on their content. Payment stubs and coupons and closing
documents are generally >6#$%;:5 in nature and are not considered as
part of the chain of title; thus, they are not reviewed as part of the
COTA. All other written communication however, is fundamental to
establishing a time line as to when the sequence of events are
unfolding or have already occurred. Notices of transfer of servicing
rights are also important because on many occasions, assignments
may be filed in the land records to reflect such changes in servicers.
I66 )O %"&'& -)%1*&' CB:; P3 Q?@R>232 >= ;<3>? 3=;>?3;4
%) %"& ;1%6& A)-'+6%.-% O)/ /&81&FH

C3?: 2>:AL@:B?3 =@;>A3: should also be sent to the Title
Consultant if you find them in your closing documents. It is
uncommon to find these notices as MERS is NOT responsible for
!"#$% '#(%%$#) *+,- .#$/"#$# 0 !"#$%12"#$%3#(%%$#4567 *+,- *8$529:;< Page S of S
issuing them to you (the originating Lender is). Many times, the
originating Lender has sold your loan into the ;$56%@"#? 76#<A"A$
7"#2$< (through a process called ;$5(#:<:D"<:6%) M;>18; you
signed your documents at the closing table! Many of these
originating Lenders may be what are known as table-funded
lenders which means they are NOT the party that actually loaned
you the money even though it may say this on your Security
Instrument. Many of these originating Lenders may also be out of
business! This too is systemically problematic throughout the
United States, especially post-2008 financial collapse on Wall
Street!


5F6 )5)B; !1?E-CA <1!7?;C):

=== !1EA 1> 91?;1LC;8I: 5C<;?C5)A E1B5!A (if
puichaseu)

=== !1EA 1> B;C<;8I: E1B5!A (if available)

=== !1E5;: 1> -CA )5)B; :;-8!9;: <1C; (wheie a
iepoit was issueu)

=== !1??7C5!-)51C >81? -CA )5)B; -D;C) 18
5C:78-C!; !1?E-CA

The title company that closed your loan may also be out of business
(post-2008)! If you can locate your owners title policy or copies of
any title searches that were conducted as part of your loan closing
process, the Title Consultant will be able to review them for
potential issues. Copies of your promissory note E<8$;$ C:99 6%9? 3$
56/:$;) %6< <8$ 6#:A:%"9;F may be available from the title company;
however, this outlet should not be your sole source of document
procurement. This is why we have real property records in most
every jurisdiction of the country that have been statutorily mandated
to keep track of property ownership and lien claims against each
property.


F6 1)9;8 -7<5):RR

=== !1EA 1> :;!785)5T-)51C -7<5)S 18
>18;C:5! B1-C -7<5)




** (Since the subject of this assessment is not a moitgage loan oi secuiitization auuit, closing uocuments |B0B-1 Settlement
Statements, etc.j anu ielateu papeiwoik aie not necessaiy.)
+ Secuiities & Exchange Commission Bocuments that you might have coulu come in the foim of a uisclosuie that you obtaineu
thiough uiscoveiy that was not uiscloseu to you in the oiiginal petition |such as a Pooling & Seivicing Agieementj.