A little off topic but losing your home can be as traumatic as losing your family thru religious cult influence.
Anyhow, I'll try to translate the complexity here: Banks got so greedy they abandoned good sense and solid legal standards when they created the orgy of the Housing Bubble. Result: Courts are threatening the banks who 'hold' this property because they failed to properly document their transfer of these properties. People are demanding that their bank creditors PROVE they own the mortgages in question - and the banks are in trouble.
If you are in this particular crisis, you need to get legal help NOW because it could happen that tens of millions of Americans simply stop mortgage payments and nothing happens ......for years...... or ever!