White Paper
Statutory Performance on Mortgage Loans
A white paper for housing counselors, attorneys, trustees, servicers and regulators: how dual accounting, Section 9 of the Uniform Security Instrument and agency safe harbors separate...
Serv Inc. Library
Research you can use.
Articles, videos, white papers and podcast episodes on how pooled debt works, what your records can show, and what to do with them.
Article
205,822 Counseling Sessions, 9,426 Resolved Defaults: Where Housing Counseling Reaches Its Limit
Across 605 HUD-approved agencies in fiscal year 2025, outcomes that depend on the counselor and the client were common. The outcome that depends on the servicer...
Article
A Note to HUD Housing Counseling Directors: Where a Referral to Serv Fits
Your counseling program has a defined mandate, and a review of the servicer's compliance sits outside it. This note explains how we carry that work for...
Article
Proof Is Optional Until Somebody Asks: Who Checks the Authority to Foreclose
In much of the country a foreclosing party is never required to prove its authority unless the homeowner takes legal action. Michigan shows how a clear...
Article
Sworn, Unchallenged, Insured: How Untested Foreclosure Proof Becomes Title
In both foreclosure systems the foreclosing party supplies the proof of its own right to enforce, and in the ordinary case nobody tests it. A purchaser,...
Article
Deconstructing the True Sale Doctrine: Planned Privity and Asset Isolation Under ASC 860
A securitization depends on the claim that loans were truly sold and isolated from the company that made them. This paper sets out how that claim...
Video
Who Does the Trustee Work For in a Foreclosure Sale?
A foreclosure sale is run by a substitute trustee who is expected to be neutral. This 95-second video follows the money from the high bid to...
Article
Sample Case Report: What a Mortgage Servicing Examination Produces
See the form our findings take. This sample walks through a complete examination record, from the determination on each element to the charge-by-charge audit. Every figure...
White Paper
Reading the Lien After the Loan Is Sold
A working paper for attorneys, trustees, originators, servicers, housing counselors and courts: an eight-point framework for recognizing a defective security interest in a post-transfer file, with...
Video
The Competency Gap in the Foreclosure Chain
Everyone in the foreclosure chain is licensed, registered or commissioned, and none of those credentials tests the rules that govern a loan after it is sold....
White Paper
The Institutional Compliance Gap
Civic incorporation, systemic extraction, and the case for a parallel Bureau of Record.
Article
The Manufactured Default: When Servicing Errors Create the Delinquency
A default can come from the servicer's own handling of payments, fees or escrow. This article explains how that happens, which rules govern the accounting, and...
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