for Attorneys
Mortgage litigation can yield substantial contingency victories. Whether you are pursuing rescission, a quiet title action or a produce the note strategy we have services that will help you.
Home Solution Counselors has substantial experience working with the foreclosure mills and can provide assistance in strategy formulation, research and expert witness services.
Closing Document Review
We are real estate experts familiar with statutory requirements associated with Texas Mortgage Banking, Texas Mortgage Brokering, Truth in Lending (TILA), the Real Estate Settlement Procedures Act (RESPA), Home Equity protection provided by the Texas Constitution (A6) and rescission requirements. We can review the closing documents and build an accurate picture of the facts that can be used to establish your case.
Forensic Mortgage Audit Services
A forensic analysis of the original Application, the Good Faith Estimate, the Truth in Lending Statement, Note, Deed of Trust, HUD-1 closing statement and other documents to determine if there were errors or misrepresentations that effected your clients rights. A simple error in the APR or failure to meet the statutory date requirements can yield the leverage needed to win a rescission or a reduction in principal.
Securitization Analysis
With mortgages being packaged and sold and resold it’s difficult to determine who the actual holder of the Note is. The actual holder of the note is the only one with the authority to pursue a foreclosure action. If an assignment was missed during the packaging and sale of notes it could materially affect the ability of a servicer to pursue foreclosure. A securitization analysis could also determine if your client’s mortgage has been satisfied by mortgage insurance or a government bailout.
Expert Witness
When your case comes to trial you will need to call experts to testify regarding the produced documents and findings. Our team has the experience to provide unimpeachable expert testimony.
Call 713-595-8200 or Email us for free, no obligation information on:
- Credit Counseling
- Broker or Non-Broker Assisted Short Sales
- Deed-in-Lieu of Foreclosure
- Foreclosure Postponement
- Loan Affordability Programs
- Recommended Mortgage Bankers
