With Fannie Mae and Freddie Mac now requiring that all mortgage servicers review how they handle foreclosures, more questions are being raised about the impact that potentially invalid affidavits will have on the foreclosure process, on servicers and the industry overall.

Three of the largest servicers — Ally Financial's GMAC Mortgage, JPMorgan Chase and Bank of America Corp. — have delayed some foreclosures in 23 states in the past two weeks because of documentation problems. Those companies say no wrongful foreclosures have been identified — yet. It is widely believed other servicers will take similar steps.

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