Certified Forensic Loan Auditors, LLC


  Upcoming Classes

Quiet Title Kings NY Part II

ITEM #0004

with Chad Elrod, Esq., John P. Fretz, Esq.
and Andrew Lehman, JD


September 7, 2013 | Brooklyn, NY
(New York Marriott at the Brooklyn Bridge)

Quiet Title Kings NY Part II

ONLY $99.00
lus $9.95 Shipping & Handling)

Being offered because of popular demand to those unable to travel/attend our September 7, 2013 CLE in Brooklyn, NY.



Chad D. Elrod, Esq.   Chad D. Elrod, Esq.

South Texas College of Law, J.D. (2008)
The University of Houston, B.S. (2005)

State Bar of Texas (2008)

Professional Affiliations
Houston Young Lawyers Association

Community Activities
Bridge to Eden, Non-Profit (Director)

Andrew P. Lehman   Andrew P. Lehman, J.D.

Houston Graduate School of Theology,
(Phd. In progress)
West Coast College of Law, J.D. (2006)
The University of Houston, B.B.A. (2001)

Andrew Lehman is the creative inspiration behind CFLA, which has rapidly expanded to become the premier online legal destination for Attorneys, small businesses and consumers in the Foreclosure Defense Industry. 

John P. Fretz, Esq.  
John P. Fretz, Esq.

South Texas College of Law, J.D., Cum Laude (2012)
ABA Domestic Arbitration ADR Team (2012); First Best Speaker & Member of First Place Team in the Abraham, Watkins, Nichols, Sorrels, Agosto & Friend Mock Trial Competition (2011); Annotations Staff Writer; Phi Delta Phi Honor Society

The University of Texas, B.A. (2007)
First Place Team & Top Product in the UT Business Fair & Mock Trade Show (2006)

State Bar of Texas (2013)


Class Schedule

  • The Fundamentals of Securitization
    • What is securitization?
    • History of Mortgage Securitization
  • The Securitization Parties and Their Roles
    • Pooling and Servicing Agreements
    • Originator-Bank that originated the loan
    • Sponsor/Seller-middle bank bought note from originator and sold to depositor to package in the trust – most missed the closing date
    • Depositor-Bank that sold the Note to the Investor
    • Issuing Entity – The Trust
      • Closing Date
      • Lack of Standing
      • MERS
        • Every Mortgage is supposed to be registered on this system
        • Intended during the 1990’s to cut recording costs/fees for the banking industry; also helped hide chain of title from the public
        • Approximately 65 million mortgages=Mers is beneficiary or nominee
        • Each time the NOTE was transferred by law there was supposed to be a duly signed assignment (from Originator to Sponsor/Seller to Depositor); this did not occur in most cases
  • Mortgage Securitization Audit
    • Shows exactly how many times the note has been sold and into which trust (classes); in some instances the note has been sold multiple times as if it was the first time the Note was sold – Securities Fraud
    • Shows the note has been paid off – answer to tender rule
  • Quiet Title
    • What is Quiet Title?
    • Steps to Quiet Title Litigation
      • Title Search – Public Record Search
      • Complaint for Quiet Title
  • How to use audits in litigation
  • Discovery Issues
  • Settlement of Case or Judgment of Quiet Title
    • Settlement:
      • Principal Reduction
      • Interest Reduction
      • Credit Report – Paid as Agreed
      • No 1099 in Settlement
  • Judgment of Quiet Title:
    • Free and Clear Property
    • Unsecured Note
    • Asset Protection
  • Summarize, Acknowledgements and Conclusions


The Securitization Parties and Their Roles

New York Quiet Title Law in the Foreclosure Defense Context

  • Nature and Purpose of Relief
  • Mortgage Lien Validity as a Cloud on Title
  • Practice and Procedure
    • Jurisdiction
    • Limitation
    • Parties
    • Pleading
    • Judgments
    • Answers and Counterclaims
    • Burden of Proof and Trial
  • Post Foreclosure Sale Relief (Wrongful Foreclosure)
  • New York Case Studies: Proper Pleading of Quiet Title in Mortgage Context
  • Assignee's/Transferee's Standing to Foreclose
    • Standing Generally
    • Negotiable Instruments (UCC Art. III)
    • Assignments vs. Transfers
    • Mortgage Assignments (State Law)
    • Contents
    • Proper Effection
    • UCC Art. III Transfers (UCC and State Law)
    • Pre-Requisites of a Negotiable Instrument
    • Pre-Requisites of a Transfer
    • Holder Status vs. Holder in Due Course Status
  • New York Case Studies: Standing to Foreclose
  • Basics of a Homeowner Workout
    • Reinstatement
    • Bankruptcy
    • Deed in Lieu of Foreclosure   
    • Modification
    • Short Sale



"If you are interested in knowing what is happening to your mortgage or in helping others, this is a course that will insure you know what you are talking about before and after viewing documents."
William K.

"I loved the knowledge I acquired and recommend the course to everyone. The more "we the people" get knowledge the better our odds of beating the banks at their game!"
Dawn D.

Outstanding! Excellent! Demanding! Well organized! Intense! Phenomenal!
Priscilla B.

"Thank you! Andrew, Michael, & Marie. This CFLA Training has been a valuable experience."
Erica W.

"This was a great class and eye opening, especially if your in the foreclosure defense, to defend your clients rights best way possible. Looking forward to take next level course."
Kelvin L.

"If your looking for securitization training you won't find any better."
Michael S.

"It is a life-changing experience—both in knowledge and spirit."
Guido G.

"If you open your mind and listen, they will lead you to the promised land. Very educational and will enhance my business forever."
Corey D.

"Buckle your seats belts, you’re in for a real treat! Your in for the greatest information of the Information Age!!"
Kymosh M.

"If you have but one thing you do to further your education, make it this course. This is something that can be utilized in almost every real estate situation that exist today. What you can do with the information you learn will change lives."
Carlos P.

"This was an outstanding training. If you want to learn Securitization and become and auditor, this is the class for you!"
Craig B.

"This class will change the direction of your life as a professional. It offers a gateway into the world of securitization and inherently valuable navigation tools to uncover the lack of integrity being performed in secondary investor trusts. This class is for anyone, but highly benefits professionals of foreclosure proceedings. Thank you CFLA! Thank "
Michal V.

"My expectations were exceeded. I have been a Real Estate professional since 1993 and have simply followed guidelines established. This course has opened my eyes to all the reasons of 'why'."  
Michael B.

"CFLA is one of the only business entities offering a one-stop shop where an attorney can get education, pleadings, research and practice support in the field of foreclosure defense. The attorney networking opportunities provided by CFLA are very valuable."
Charles C.

"The class was extremely informative. The instructors were exceptional. I will use this information in all my reports, which in turn will help my clients."  Rhonda A.

"Everyone in life has a mission and a purpose. It’s a matter of actually finding out what your purpose is. This class was the missing piece of the puzzle for me. I can now do what so many have attempted and failed. Help every and anyone who has the motivation to help themselves to be not only successful in my own mission, but also be able to help others accomplish theirs."
Cecelia M.

"This course was the missing link in putting together all the knowledge I’ve already been accumulating, but was not able to assimilate into a prosecutable document for submission which an attorney can use in litigation. Thanks!" 
Warren G.

"Although I have prior experience of 20 years of Mortgage Banking and Real Estate, this class has given me a comprehensive edge over the average attorney and ultimate foreclosure defense! Thank you for taking me to the top."
Kartika K.

"I came in to this class wanting to do professional, competent, and comprehensive forensic loan audits and that is exactly what this class has done for me! As a mortgage professional looking to sustain myself in this career field, I have found that this class has opened up a wealth of opportunities for me and was easily worth the time and money."
Mark M.


About CFLA

13101 West Washington Blvd., Suite 444, Los Angeles, CA 90066
2600 S Shore Blvd., Suite 300, League City, TX 77573

Toll free: 888-758-2352

Every day, more and more Americans are foreclosed upon despite the known irregularities in loan documents, fraud, predatory lending practices, contract law violations, and many actionable torts, on behalf of major lending institutions, loan servicers, investment banks, and even government institutions. As attorneys, we knew there had to be an easier, more affordable way for industry professionals to obtain access to the world of “hidden trade secrets” that our team of experts has developed.

Our founding vision at CFLA was for Attorneys and Legal Professionals to utilize cutting edge trade secrets and industry professionals to assist them in the training, research, and work product development necessary to litigate on behalf of their homeowner clients. We brought together some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA, the leading, nationally recognized legal brand for law firms, attorneys, and small business in the United States.

From the beginning, our mission was to set new standards for convenience and service in an industry not typically known for great customer care. For us, the goal is not simply to provide a smart, cost-effective alternative—it’s to make sure everyone gets the legal protection they need.

Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. But as the company continues to grow, we’re careful to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea—it’s the founding principle.

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