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Get Your Pooling and Servicing Agreement (P.S.A.) -
Instructions how to get your PSA (below)
For more information or help, please fill in the form below.
This is part of the Self-Help portion of Foreclosure Defense. See Foreclosure Defense for more tools and tips you can do in preparation for legal action.
What is a Pooling and Servicing Agreement (P.S.A.)?
NOTE: Not all mortgage loans are securitized.
1) Only PSA's for public placement securitizations can be identified*.
2) Re: Government Sponsored Entities (GSE) - Taxpayers now own Fannie and Freddie. GSE loans: location of your loan pool has not been made public. If your loan is owned by a trust created by Fannie and Freddie, please call FHFA the conservator and regulator of Fannie and Freddie AND your legislators to demand access.
Please check the Fannie and Freddie websites first to see if either entity owns your loan before requesting assistance to find your PSA. If you have a Fannie Mae loan, here are the governing documents.
3) Re: Private placement securitization trusts - The identities of these trusts are usually not available and there are no governing documents filed with the SEC. The only way to obtain governing documents is through discovery*.
*There are exceptions.
METHOD #1 (Scroll down for FREE Method #2 - Going directly to the SEC):
Quick Method: Ask a trusted resource. Often, looking for a P.S.A. is like finding a "needle in a haystack."
INEXPENSIVE METHOD (from Full Disclosure, LLC). One of our supporters who has the extensive databases to find P.S.A.'s within the SEC (Securities and Exchange Commission) will provide this service for $75! A link to your P.S.A. will be sent to you within a day or two. As he is an expert witness in cases, he has asked us not to publish his phone number.
Once you receive the P.S.A., email the P.S.A. link directly to the SEC at
certified@sec.gov requesting a CERTIFIED copy of your P.S.A. If you do not receive a confirmation email from the SEC within a day or two, we advise that you send a follow up email.
Note: This payment goes directly to the resource, not to Operation Restoration.
QUICK METHOD STEP 1: To receive your Pooling and Servicing Agreement (P.S.A.) to send to the SEC, pay $75 via PayPal here (remember to read Step 2 and send the data points and Deed to Secure Debt as instructed):
Jay Patterson
Full Disclosure, LLC
QUICK METHOD STEP 2: If you use Full Disclosure LLC to get your PSA, send the following data points to jay@fulldisclosurellc.com. Also attach the Security Deed or Deed of Trust or Mortgage, only pages 1-2 and last page.
See below Data Points to send to jay@fulldisclosurellc.com and sample answers. Fill in your own answers.
What securitization trust your loan is in? Answer this if you know.
Original lender – Washington Mutual Bank, FA, 2901 Gateway Dr., Ste. 150 USMAIL, Irving, TX 75063
Servicer – Chase, PO Box 9001123, Louisville, KY 40290-1123
MIN number (this is the MERS Identification Number) – 1001475-1000012012-1
Loan Numbers (sometimes loan numbers change when Loans are transferred - give all of them if applicable) – 0083228817
Any alternative Loan Number you may have on loan documents – none, other than some documents don’t contain the first two zeros
City, State and Zip Code – Joe M. Smith & Jane M. Smith – 304 Any Street, Woodstock, GA 30189
Date of Origination – 3/15/2004 (closing date)
Type of loan - first, second, pay option, 5 yr arm, etc. – first mortgage – pick a pay ARM (Note states ADJUSTABLE RATE NOTE – 12-MTA Index – Payment and Rate Caps)
First payment amount - EX. 1354.34 –
1) $887.43 – PITI minimum payment
2) interest only – n/a
3) full principal & interest payment (based on the scheduled remaining term of your loan) - $1,110.29
4) full principal & interest payment (based on 15 year term) - $1,601.95
Beginning Interest rate - Example 6.50% - 4.0380% listed on statement. Interest on the notes states yearly rate of 3.984%. In the interest paragraph of the note the next sentence states “Thereafter until the first Change Date (as defined in Section 4 of this Note) I will pay interest at a yearly rate of 1.750%.
Loan Amount. - $184,000.00
Last 4 digits of social security numbers: 3456 (Jane Doe) 7890 (John Doe)
QUICK METHOD STEP 3: Send the SEC the Pooling and Servicing Agreement
After you receive your P.S.A. from Full Disclosure, LLC, email the LINK to the PSA to Certified@SEC.gov and request a certified copy of your pooling and servicing agreement. Alternate emails if the other one malfunctions: Christina Sarahan sarahan@sec.gov and Larry Mills millsl@sec.gov
If you do not receive a confirmation email from the SEC within a day or two, we advise that you send a follow up email.
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METHOD #2: Free
Send the above data points directly to Certified@SEC.gov and request a certified copy of the pooling and servicing agreement (PSA). Note: Expect over a 30 day delay if they have to find it.
If you do not receive a confirmation email from the SEC within a day or two, we advise that you send a follow up email.
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As information, the address from which records will originate is:
Office of FOIA, Records Management, and Security-
Certification Unit
100 F. Street, N.E.
Room 1110
Washington, DC 20549
202-551-7230
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