Gianna MiceliFounder, Legal Fockery University · Follow Me To Freedom!

The unshackled truth about your mortgage #realestate #residentialmortgage

22 Apr 2026 · 1 min

Watch on YouTube

1:13

In this video Gianna Miceli warns viewers that many mortgage transactions are built on illegal practices. She explains that claiming a second home as a primary residence is mortgage fraud, and that banks often sell the mortgage note while separating it from the original contract, breaking the chain of title. Miceli cites a purported 1872 Supreme Court decision, Carpenter v. Longen, which she says renders a separated note and contract null and unenforceable, effectively constituting securities fraud. She argues that banks hide behind policy and lack prosecution, but borrowers can exploit the broken chain of custody by conducting a title analysis and demanding lien releases. The video concludes with a promotional invitation to join LegalFauquierUniversity.com, where she claims to provide the necessary knowledge to fight these practices.

Chapters

Imagine you didn't actually owe your servicer the mortgage payment. In 2025, we heard a lot about mortgage fraud, as in some elected officials who shall remain nameless were accused of lying on their mortgage applications. Okay, that goes on. It's a thing. It is a crime to claim your second home as your primary home. Did anybody get hurt? That's fraud on the applicant. But what about the banks? What if the bank sells the note and separates it from the contract? What if the chain of title has been broken? That's an 1872 to Supreme Court ruling called Carpenter v. Longen that states that once they have been separated, both become null and void. That means they both become broken, useless, unenforceable. And this happens every single day. That is securities fraud. The bank responds by saying, well, we're just doing what our policy is, and nobody prosecutes it. But you can take advantage of it by challenging the bank on the chain of custody title analysis and getting the release of the lean. Stop guessing how to be free and start learning the game. Join me at LegalFauquierUniversity.com. I've already figured it all out for you.