I bought my property in Oct 2008 .
I went to the closing table with Citi.
The note was written in a "Freddie mac uniform instrument with MERS" .
I have Citi mortgage inc as the "lender" in the mortgage note.
I defaulted 2 years later .
5 months after that CitiMortgage inc files law suit under their name .
Little after that Freddie mac send letter saying , "we are the owners of your loan".
In the lawsuit citimortgage claims to be the holder of the note ...not the owner.
We started discovery and we thought that the loan was securitized and asked qustions relevant to securitization , they responded by changing parties to the law suit from "Citimartgage inc" to "citimortgage inc successor by merger to amb amro mortgage Group"saying that my loan was not part of a securitized trust.
I went to the MERS website and input the Min# and it says that the servicer is Citimortgage inc but the "Investor has chosen not to disclose his identity" says on the page.
Questions: Can that be possible ?, that i have MERS and FREDDIE MAC also Citi claiming to be the Lender on my mortgage note and later finding out that Citi is only the servicer ,CAN IT BE POSSIBLE THAT MY LOAN WAS NOT PART OF A SECURITIZED TRUST ?
Please , can some one answer me this simple question and some explanation why.