Mortgage Audit

Forensic Mortgage Audits

Were you the victim of predatory lending?  Did your mortgage broker or home builder violate statutory guidelines?  Did your lender follow all of the Truth in Lending (TILA), Real Estate Settlement and Procedures Act (RESPA), Texas Constitution (A6) guidelines.  Did your builder collude with the appraiser and mortgage company to sell you an inflated house?  Were you informed properly of each and every one of your rights?  We will examine your original loan documents and provide a 15+ page report of our findings.  Take the report for your own information or we will use the findings as part of the basis of our leverage when negotiating with your bank.  The results from the audit alone are not enough to secure any changes.

Note Securitization Analysis

We will press your servicer to disclose who is your real lender and force them to produce the original note.  If they don’t have the original note we will use that as leverage when negotiating with your bank.

A Mortgage Audit By Itself Is Not Enough

Knowing that your mortgage is compliant or not-compliant, while helpful and informative, is not enough.  An audit is like a hammer–used without nails it won’t build anything.  We perform a thorough analysis of the loan documents as part of our service.

Check out the FTC website for information regarding Forensic Mortgage Audit Scams: http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt177.shtm.

• Credit Counseling
• Broker or Non-Broker Assisted Short Sales
• Deed-in-Lieu of Foreclosure
• Foreclosure Postponement
• Loan Affordability Programs
• Recommended Mortgage Bankers