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Every defect we look for is anchored in real Washington case law and statute · Most mortgages contain at least one
Millions of mortgages contain broken chains of title, void assignments, and documents signed by defunct entities. If yours is one of them, you deserve to know — before your next payment, before your next court date, before it's too late.
Upload your recorded documents. We scan for document ownership defects, invalid assignments, and every defect in the Washington DTA catalog in minutes.
Start Free Analysis →Notice of Default (NOD) · Notice of Trustee Sale (NTS) · Demand letter · Any servicer notice
Sale dates can be as close as 30 days. Act now.
You've been paying them for years. Before they take your home — do you know they had the right to collect any of it? Upload their letter. Find out for free.
Analyze Their Letter →No credit card required · Most analyses complete in approximately 10 minutes · Full DTA defect framework
Free today only? No — always free. We only charge for reports, letters, and court documents.
If the document ownership chain is broken, the entity collecting your payment may lack standing to enforce the debt. That's $24,000 a year — potentially for decades.
If the foreclosing party can't prove they own your loan through valid documents, the entire proceeding may be challenged. Homeowners have won these cases.
Your servicer won't tell you their documents are defective. Your county recorder doesn't verify assignments. The only person who will check is you — or our system.
Deed of Trust, assignments, notices — up to 25 documents per analysis. PDF, JPG, PNG.
Reads every word of every document. Identifies who signed what, when, and whether they had the authority to do so.
An independent review layer cross-checks every finding, verifies evidence strength, and scores confidence.
Complete analysis with findings, evidence, date conflicts, and plain-English next steps.
Ownership gaps, date conflicts, missing transfers, authority problems, and more — across every document in your package.
Every finding includes direct quotes from your documents with source attribution.
Cross-references dates against entity closures, trust deadlines, and public records.
QWR, servicer demand letters, and CFPB complaints pre-filled with your defects — not blank templates.
Verified Complaint, TRO Motion, Declaration, and Summons — generated from your findings as starting drafts you review, customize, and verify before filing. Washington analyses only at launch — other states receive a Findings Brief.
Ask follow-up questions about your specific documents and findings — get clear, plain-English answers.
On a $410K home at 6.2%, the average American pays roughly $1.15 million in total housing cost over 30 years (PITI plus maintenance — not just P&I). After 10 years of PITI payments, you've handed over about $356,000 — and most of it went to interest. If the document ownership chain is broken, the entity collecting that money may have no legal standing to enforce the debt, collect payments, or foreclose on your home.
Illustrative PITI assumptions: $410K loan, 6.2% 30-yr fixed (Redfin Dec 2025), plus property tax, homeowners insurance, and maintenance. Sources: U.S. median home price (NAR/FRED Q2 2025). Educational analysis only — not legal advice.
Add Court Documents from inside your analysis · Requires Full Analysis
Subscribe after running your free analysis
Every document is generated from your analysis — not blank templates.
Sample finding — illustrative only: instead of “insert defect here,” a real QWR would name the actual entity from your documents, the recording instrument number, the signature date, and the date the entity ceased to exist.
| Service | Attorney / Traditional | Mortgage Defender | You Save |
|---|---|---|---|
| Scary letter / notice analysis | $500 – $1,500 | Free | 100% |
| Modification authority review | $750 – $2,000 | $147 | 85–93% |
| Document analysis + full report | $1,500 – $5,000 | $597 | 68–90% |
| Complaint + TRO + Declaration + Summons (WA only at launch) | $2,300 – $5,200 | $297 add-on | 87–94% |
| Turnaround time | 1–3 weeks | Minutes | 99%+ |
Multi-layered architecture with built-in guardrails — it cannot make legal claims, overstate findings, or promise outcomes.
See real findings before spending a dollar. The opposite of "pay first, hope later."
Every output labeled educational. Findings framed as potential issues — never legal conclusions. Designed for homeowners who want to understand their documents and fight back.
Encrypted in transit and at rest. Never shared, sold, or used for training.
If your mortgage documents are defective, every payment you make could be going to an entity that has no legal right to collect it. Find out in minutes — for free.
Upload Documents — Free