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hey everybody scott carson here with your note term of the day todays term of the day is aom now what does that stand for in the note business well an aom stands for assignment of mortgage now in the note business when i buy a note the property ownership does not change the lender does right so unlike buying a piece of property where theres a deed file that shows the transfer of the owner from john smith to stephen holmes as property owner we dont have that when i buy a note the property owner stays the name says the same name but weve got to show something that transfers ownership of that note and thats what an assignment of mortgage is it shows that one bank has sold the mortgage or transferred the note to somebody else and for every time that the note has been sold there should be an assignment a mortgage that corresponds to reflect that so if chase originated a note and they sold it to wells fargo those being an assignment a mortgage gets filed sh
