FOR EVERYONE WHO MAY NEED THIS. I HAVE DISCOVERED A WAY TO BY-PASS ASC'S RUN AROUND TACTICS. IF YOU CONTACT YOUR LOCAL DEED OFFICE YOU CAN ASK WHO IS YOUR MORTGAGE HOLDER LISTED ON YOUR DEED. I FOUND OUT MINE IS MORTGAGE ELECRONIC REGISTRATION SYSTEM INC. OF COURSE THEY HAVE NO CONTACT INFO ON-LINE BUT MY ATTORNEY WAS VERY PLEASE TO KNOW WHO TO INVOLVE IN MY SUIT. ALSO CHECK YOUR SEV (State Equilized Value). YOUR SEV SHOULD BE ABOUT 1/2 OF WHAT YOUR HOME IS VALUED AT DEPENDING WHERE YOU LIVE. YOU CAN USE THIS TO PROVE APPRAISAL INFLATION RESULTING IN A MORTGAGE FRAUD CASE. ONE OTHER TOOL I HAVE FOUND VERY USEFUL IS THE "FREEDOM OF INFORMATION ACT". USING THIS GETS YOU INFO THEY DONT WANT YOU TO HAVE. YOU CAN VERIFY YOUR TAXES AS WELL AND YOUR INSURANCE PREMIUM. THEN COMPARE IT TO WHAT THEY DID WITH YOUR MONEY. YOU CAN REQUEST OVERAGE'S BE RETURNED TO YOU.