Our Services Module

Case Opening Review

MPA examines your mortgage documents,

conducts research, analyzes the transaction,

and recommends a course of

Requests for Information

MPA handles the Request for Information process for our clients because it is a critically important part of the pre-litigation document-gathering process. Read More

Financial Forensics Examination

This service enables us to identify errors, overcharges, missing payments, and malfeasance in the servicing of a mortgage loan account which gives rise to claims such as for breach of contract. Read More

Notice of Error

MPA’s Notice of Error letters are so powerful they can, and have, stopped foreclosures and formed the basis for a variety of civil lawsuits and adversary proceedings in bankruptcy. Read More

Proof of Claim Analysis

MPA provides bankruptcy attorneys who represent debtors that have filed for protection pursuant to Chapters 5, 7, 11, 12, and 13 with cutting edge analytics they can take to court. Read More

Expert Services

Marie McDonnell is a Mortgage Fraud and Forensic Analyst ©, a Certified Fraud Examiner ®, and a Master Analyst in Financial Forensics ®, with over thirty-four (34) years of experience in transactional analysis, mortgage auditing, and mortgage fraud investigation. Read More

Frequently Asked Questions

OWNERSHIP ISSUES

Who really owns my mortgage?

Answer: Because mortgage loans are frequently sold, you may not know who really owns your mortgage loan. Often, the servicer you pay each month is not the owner. By law, if your mortgage loan is sold, the new owner is required to send you a notice within 30 days of the effective date of the transfer disclosing: 1) the name, address, and telephone number of the new owner; 2) the effective date of the transfer; and 3) whether the transfer in ownership is recorded in the public records.

If you are unsure who owns your mortgage loan, there are several ways to find the answer.

Send a Request for Information (“RFI”) to your mortgage servicer. Your servicer is required to provide, to the best of their knowledge, the name, address, and telephone number of the owner of your loan.
You may be able to look it up online. Many mortgages are owned by Fannie Mae and Freddie Mac. Both offer a mortgage look-up tool on their website.
You can look up your mortgage servicer and investor (i.e., owner) by searching the Mortgage Electronic Registration Systems (MERS) website if your Mortgage or Deed of Trust are registered with MERS; however, the information on the MERS system may be outdated.
You can search your local land records for Assignments of your Mortgage or Deed of Trust, but many transfers are not recorded in the land records. Often, Assignments are made to the loan servicer, not to the owner.
Your loan may be owned by a securitized Trust. You may need to contact a professional such as McDonnell Property Analytics to help you research your loan ownership.

Why am I getting letters from different companies about my loan?

Answer: There could be several reasons.

Perhaps your Note was sold.
Your servicing may have been sold.

There may be another reason. You should send a Request for Information

SERVICING ISSUES

I have a fixed rate loan. Why does my monthly mortgage payment keep increasing?

Answer: Although the principal and interest portion of your monthly payment will not change with a fixed loan, your monthly payment may increase (or decrease) because of changes in escrow items, i.e., property taxes, homeowner’s insurance, etc. Make sure any changes are legitimate by checking with your taxing authority and your insurance company. If you still have questions, send a Request for Information. If questions or problems persist, get professional assistance.

I have made all my mortgage payments on time. Why am I in default?

Answer: You may end up in default due to servicer errors or manipulation of your escrow account. Hopefully, you have been keeping good records of your payments. You should send a Request for Information asking for a transaction history and hire McDonnell Property Analytics to perform a Financial Forensic Examination.

LITIGATION ISSUES

How can I prevent a foreclosure?

Answer: There are steps you can take to stop a foreclosure.

You can submit a loan modification application.
You can send a Notice of Error.
You can always file for bankruptcy.
You should consult an attorney.
Contact McDonnell Property Analytics to analyze defects in your mortgage loan and servicing documents.

Can I stop a pending eviction?

Answer: Possibly, but this requires a specific analysis that even many attorneys do not know how to conduct. You should contact McDonnell Property Analytics to analyze potential defects in the foreclosure procedures and notice(s) of default.

What Our Clients are Saying

Attorney Richard Johnson | Florida

“The expert affidavit of Marie McDonnell is exhaustive in its detail and research. It makes the complex simple.”

Barry Pina | Retired Cape Cod Firefighter

“Marie’s mortgage understanding, insight, and analytical abilities are unmatched! She can make sense out of the most complicated paperwork and get to the heart of the most complex mortgage transactions. No matter how big a problem you are facing, Marie is a knowledgeable and effective advocate to have on your side.”

Dr. and Mrs. Gabriel | Connecticut

“After ten years fighting to save our home, we found Marie! Her financial forensic examination identified tens of thousands of dollars in missing payments and proved our home had been foreclosed on fraudulently. Our foreclosure attorneys raved about the detailed meticulousness of Marie’s work. We enthusiastically recommend Marie McDonnell!”

Sharon Harley | Maryland and North Carolina

“Marie McDonnell is by far the best mortgage analyst in the country. I’ve known her for two decades since 1990. Ms. McDonnell kept me and my family in our home for 10 years post-foreclosure while my 9-year-old son battled life-threatening leukemia. What she accomplished for us was nothing short of miraculous! I call her my Irish Angel.”

Diane Mauriello | New York

“Marie McDonnell is truly an expert in her field as a Mortgage Fraud and Forensic Analyst. I only wish that I had met her ten years ago when my partner and I were served with a complaint to foreclose our mortgage. In a short period of time, Marie was able to identify fatal defects in the foreclosure process, and potentially, fraud upon the court. Marie articulated her findings in a concise affidavit that now forms the basis of our counter-suit against the foreclosing plaintiff. In addition to her expertise, Marie is generous with her knowledge, guidance, and time. I highly recommend McDonnell Analytics.”