FAQs
About Your Mortgage & Loan Ownership
Who really owns my mortgage?
Because mortgage loans are frequently sold, the company you send payments to is often not the actual owner of your loan. By law, when ownership transfers, the new owner must notify you within 30 days and disclose key details. If ownership is unclear, a structured forensic analysis may be required.
Why am I receiving letters from different companies about my loan?
This typically reflects a transfer of loan ownership, servicing rights, or both. Each transfer introduces the possibility of error. A written Request for Information is recommended.
Who is actually entitled to collect my payments or foreclose?
The loan servicer typically collects payments on behalf of the owner. Authority depends on documentation and compliance with contractual and legal requirements.
Why is my mortgage loan being sold again?
Loans and servicing rights are frequently transferred, especially when delinquent or part of securitized portfolios. Each transfer increases complexity.
Payment Issues & Default
I have a fixed-rate loan. Why does my monthly payment keep changing?
Changes are typically due to escrow adjustments such as taxes or insurance. These should be independently verified.
I made all my payments. Why am I being told I’m in default?
This may result from servicing errors, misapplied payments, or unreliable transaction histories. A full reconstruction may be required.
Loan Modifications & Servicer Conduct
Why can’t I get a loan modification?
Decisions depend on income, equity, investor guidelines, and servicer discretion. Foreclosure may be more financially favorable to the investor.
Is there a way to force my servicer to negotiate fairly?
Not effectively without structured documentation and professional analysis.
Why won’t my servicer respond to me?
Escalation requires written communication, record keeping, and potentially professional intervention.
Foreclosure & Legal Options
How can I prevent a foreclosure?
Options may include loan modification, Notice of Error, bankruptcy, or legal counsel depending on the facts.
Can I stop a pending eviction after foreclosure?
Possibly, but this requires a detailed analysis of procedures, notices, and title issues.
Forensic & Title Analysis
Is my chain of title defective?
It may be. Public records are often incomplete. A forensic title examination may be required.
Do I need a forensic analysis of my mortgage?
If there are unresolved questions about ownership, payments, or servicing, a Financial Forensics Examination may be necessary.
Working with McDonnell Analytics
What does McDonnell Analytics actually do?
McDonnell Analytics performs independent forensic analysis based on primary-source documents and mathematical reconstruction.
Do you guarantee results?
No. The analysis determines what the evidence shows, not a predetermined outcome.
How do I get started?
Engagement begins with a Case Opening Review to identify viable issues and next steps.
Additional Questions
Can you 'find something wrong' with my mortgage?
Possibly.
If the record supports the transaction, that is what will be reported.
If it does not, that will also be documented.
The work is driven by evidence, not expectation.