Mortgage Servicing Fraud
occurs post loan origination when mortgage servicers use false statements and book-keeping entries, fabricated assignments, forged signatures and utter counterfeit intangible Notes to take a homeowner's property and equity.
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Recent paper by Joseph Mason mentions how predatory servicing can be extended to modification.  I challenge his view that defaults are costly to servicers though he may be viewing mortgage servicing industry through rose colored glasses or worse, with blinders on. 

Mortgage Loan Modification: Promises and Pitfalls 

by Joseph R. Mason - October 3, 2007

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