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9/4/2017 ForeclosureNation|HowtoFindYourPoolingandServicingAgreement(PSA)

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ForeclosureNation>HowtoFindYourPoolingandServicingAgreement(PSA)

HowtoFindYourPoolingandServicingAgreement(PSA)

HOWTOFINDYOURPOOLINGANDSERVICINGAGREEMENT

ThePoolingandServicingAgreementisthecollectionsofrulesthatdictatewhatcanandcannotbedonewiththe
trust.ThisdocumentisfiledwiththeSECforeachTrust.Trustsweredevelopedby1000sofloanthatwere
groupedtogethertoformthetrust.TheseTrustsweresoldonthemarketwhere1001000sofunknown
investorspurchasedpiecesoftheTrust.ReviewingthePSAdocumentandknowingmoreaboutyourtrustcan
provideusefulinformationindetermininghowtoapproachdefendingyourhome.IfyouseeMERSlistedon
yourdeed,yourmortgagewasplacedinaTrust.TherearesomeDeedsthatactuallylistthenameofthetrust,yet
therearemanythatarenot.IfyoursislistedonyourDeed,yourworkwillbemucheasier.Followthedirections
below.

FromGingoLaw:

ItmaybeveryvaluabletoyourcaseforyoutohaveacertifiedcopyofyourPoolingandServicingAgreement(PSA),yourProspectusandyourProspectus
Supplement.Thebankworkedhardtohideitfromyou,andtheirattorneywillprobablystonewallyouindiscoveryandargueeveryreasonintheworldwhyiteither
doesntexist,isirrelevantorwhythedogateit,inwhichcaseitsstillavailable,butnotverypretty.OnceyoureceiveyourPSA,youhavetoanalyzeit.APSAis
typicallybetween150700pageslong.IttakesusaboutonefulldaytocompletelyanalyzeaPSA.

FindingaPSAanditsrelatedprospectustakesskill.Youcandothisyourselfifyouhavethetimeandinvestigativeskillstofigureitout.Or,youcantaketheeasyway
outanddowhatwedohireMarioKennytofindit.Hetypicallycharges$850forthatservice.IfyouaregoingtohireMarioKenny,skipthisandgotothebottomof
thepagetoreadsomethinghewrote.Otherwise,hereishowtofindyourPSA:

Ifthesecuritizationofyourmortgageloanwaspublic,thesedocumentsmustbefiledwiththeSecuritiesandExchangeCommission(SEC).
Theyareavailabletothepublicathttp://www.sec.gov(EDGARONLINE)

Getyourcopyofthepromissorynoteandthedeedoftrust.Lookatthesedocumentsandfindthenameoftheoriginallenderandthedatethe
mortgageloanwasmade(thedateyousignedit).Writethatinformationdown.

YoumaygetluckyandfindyourPSAtheeasywaybyplacinginyourinternetsearchboxthenameofyouroriginallenderfollowedby8K,
oravariant,suchas8kor8Kandhittingthesearchbutton.ItwouldlooksomethinglikethisWellsFargo8k.Youshouldgethitswiththe
namesofsecuritizedpools(trusts)frequentlyinaformsimilartothisXMortgageSecurityAssetBackedPassThroughCertificatesSeries
200YZ,whereXisthenameoftheoriginallender,Yistheyearyougotyourloan,andZisthemonthyougotyourloan(Zmaybeupto
fourmonthsafteryougotyourloanasthetrustclosingdatemustbefundedwithin90daysofthetrustscutoffdatenotyourclosingdate.)

Ifyougettoomanyhits,narrowitdownabitbyaddingtoyoursearchtermsdifferentconfigurationsoftheyearandmonththatthetrust
closed.Theearliestthetrustcouldhaveclosedwouldbetheyearandmonthyougotyourloan.IfyougotyourloaninJanuary,2006,youwould
writeitlikethis:20061ortrythis:20061.Becausethetrustcouldcloseupto4monthslater,alsotryitlikethis:20062or20062and
20063or20063and20064or20064.Thewholeformatwouldlooksomethinglikethis:WellsFargo8k20062.Iftheloanwas
takenoutinDecember,2006,youwillsearchnotonly2006,but2007aswell.

Ifthatsnotsuccessful,gotohttp://www.sec.govandclickonSearchforCompanyFilingsunderFiling&Forms(EDGAR).Under
GeneralPurposeSearches,clickonCompanies&otherfilers.Then,intheEnteryoursearchinformationbox,typeinthenameofyour
originallendernexttoCompanynameandclickontheFindCompaniesbutton.Companiesnamesareoftenmadeupofmorethanoneword,
soyoumayhavetotryyoursearchusingthefullname,aswellasonlypartofthename.Tryiteverywayyoumusttogetahit.Several
companiesmayhavesimilarnames,sowatchoutforthat.

http://foreclosurenation.org/howtofindyourpoolingandservicingagreementpsa/ 1/3
9/4/2017 ForeclosureNation|HowtoFindYourPoolingandServicingAgreement(PSA)
Youwillseealonglistofthenamesofsecuritizedpoolsofloans.Youwillbelookingforallthenamesthataresimilartothenameofyour
originallender.Onceyoufindthem,yournextmustnarrowdownthesearchtotherighttimeperiodforyourloan.Ifthetrustcutoffdatefell
beforeyourloanwassigned,youvegotthewrongtrust.Becauseofthis,youcannotrelysimplyontheYandZdates.Youneedtodoasearch
withinthePSAforthecutoffdatetomakesureyouhavetherighttrust.Yourlendermayhavesecuritizedseveralpoolsofloanswithinashort
timeframe,sothefirstoneyoufindthatseemslikeamatchmaynotbecorrect.

Onceyoufindamatchormatcheswritedowntheirnamesandthedocumentnumbersassociatedwiththem(calledaCIK).Thenclickon
theCIK.Clickonthatnumber.TherewillbealistofdocumentsfiledwiththeSECthatarerelatedtothispoolofloans.Searchasyouscrolldown,
lookingforadocumenttitledProspectusandPoolingandServicingAgreement.Ifyoufindthem,savethemtoyourcomputerandalso
bookmarkthepageyoufoundthemon.Ifyoudontseeeitherofthese,gototheTableofContentsandsearchagain.

OnceyoufindyourPSA,youthenneedtocontacttheSECandrequestacertifiedcopyofit(alongwithacertifiedcopyofyourProspectusandProspectus
Supplement(ifasupplementexists).Youwillneedacertifiedcopybecausethatcertificationmakesitadmissibleintoevidenceifthedocumentisrelevant.

ifyoulikethis,pleaseshareit!

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Opal4yearsago
"Ifthesecuritizationofyour
mortgageloanwaspublic,thesedocumentsmustbefiledwiththe
SecuritiesandExchangeCommission(SEC).Theyareavailabletothe
publicathttp://www.sec.gov(EDGARONLINE)"

andifitwasn'tpublic??IEGinneMaeCUSIPandPool?Thenhowdowefindtheagreement?
13 Reply Share

Rose4yearsago
whathappensifyourassignmentofmortgagewasdoneAFTERtheclosedateofthetrust?
15 Reply Share

Kyt103yearsago
whatifnoneofthecompaniesonanyofyourpaperworkarelistedinthedatabase.....isearchedineveryabbreviatedandexpandedwaypossible
3 Reply Share

ALSOONFORECLOSURENATION

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