Help for the Homeowner
Yes. There is help for you. Your lender has not been helping you and keep in mind that banks have never helped! That is the first hurdle you have to overcome. Your government and your bank have been telling you they would help. Statistics show they review your information and turn you down, and they can take as long as two years to do this simple task. There is much information on this website that will explain why.
Real help comes from professionals who recognize what you are truly up against. Tila is first and foremost an audit firm. We investigate loans and we find the crimes the banks are committing or have committed against you! Then, if you need help finding a legal professional, we refer you to the appropriate legal professionals that can best handle your needs, whether that is a loan modification or legal services such as wrongful foreclosure cases or quiet title actions.
Tila Solutions will conduct the appropriate investigation best suited to your needs. Our consultants will interview you as a free service and help you to determine which of the following audits you should get done: forensic loan audit, securitization audit, robo-signing (forged signature audit).
Who Can We Help?
Any Homeowner who needs a solution for predatory loans or lenders, securitized loans, who is suffering from financial burdens and potential financial struggles, who is undergoing pre-foreclosure or foreclosure, or who lost their home to auction.
Do You Qualify?
Simply put: Yes. If you have a loan and are struggling to make payments, in foreclosure, in pre-foreclosure, or feel that soon you will be experiencing hardship then you qualify for help. You need to get a team of professionals on your side before it is too late. All too often homeowners work directly with the lender and suffer great consequences by having done so. Yet, you can’t fault these people– after all, the government and the lender both said they should work directly with the lender – only to find that now a judge is telling them that they should not have ignored the foreclosure proceedings! And why did the homeowner set them aside? Because the government and the bank both sent strong messages that the homeowner would get help from the bank, and he didn’t need anybody else to help him. Just the bank.
Thousands of foreclosures prove the error in that thinking. Yes, you qualify for help. And the time to get it is the moment you realize that you are struggling. But, if you got sucked into the lies and you are already in foreclosure, or have lost your home to auction, don’t think we can’t help you still because we can. Just call us.
Why Choose Us?
- Nationwide Company
- Experienced Forensic Underwriters, and Auditors,
- Nationwide Legal Referral Network
- While Many Others Have Come and Gone, Tila Has Stood Strong
The First Step – We Investigate
Very often, homeowners attempting to get short sales or loan mods completed without a Forensic Loan Audit or Securitization Audit are unknowingly placing themselves at great risk:
- They are likely to be disqualified or denied.
- They may receive new terms that do not actually resolve their financial crisis.
- They’ll wait for months and months for an answer from their lender, sometimes their homes are sold at auction while they wait.
- They may find themselves backed into a corner, feeling forced to sign an agreement that they know will not work just to save their home from auction
- They may find that the loan modification they are considering signing has been frontloaded with legal language that could harm them
The above scenarios are avoided when negotiations are conducted by a proper attorney and after an investigation of the loan documents has been conducted. Attitudes change when the lender now realizes the problems he has.
The Two Most Frequently Conducted Audits
- A Forensic Loan Audit (often called a Forensic Loan Document Review) – This is a complete investigation of your original loan documents to identify any fraud and locate all the violations of your federally protected consumer rights, (TILA, RESPA, HOEPA, ECOA, UDAP, and OCC Regulations just to name a few areas). This is the audit that has often been used to show a lender that the original loan you were given was a predatory loan, and shows the lender where he is at fault, not you!
- A Securitization Audit – This is a complete investigation of the critical things that have happened with your loan since you got it. It is the Audit that is key for determining if the entity foreclosing on you has the legal documents and proof required to foreclose on you. This is the audit that identifies who has your note, who has your deed, what trust was your loan placed into on the stock market and was it done legally. This audit will also determine if your loan is in MERS (Mortgage Electronic Registration System). In essence, it can help to determine if the lender who claims to be the owner of your note and deed truly is. Our Securitization Audit also investigates for fraudulent signatures (robo-siging) on MERS documents, foreclosure documents etc. The securitization audit is gaining more and more recognition as one of the most powerful tools in helping to stop foreclosure.
The Second Step – Planning Your Next Actions
The power of the Forensic Loan Document Review and the Securitization Audit has changed the playing field. Once completed, we help you determine if you want to choose a MARS compliant attorney firm to modify the terms of your loan, or short sell your home, or if you want to pursue litigation against your lender and again, refer you to the proper legal or paralegal firm. (note – there may not be an attorney available in your state, but there are paralegal services available across the nation).
- Loan Modification: with a loan mod attorney you may achieve a principal balance or interest rate reduction! also you can bring your loan current, get penalties and fees waived/reduced. Make the collections calls and foreclosures stop. Many loan mod attorneys today are also using the courts to get you the loan mod.
- Short Sales: We have the most effective program for short selling your home. If you need to walk away from it all, without a foreclosure on your credit record, then you need us! If you have a real estate agent who just needs more power, then we can help there too.
- Auction Reversals: So many people who have lost their homes are the victims of wrongful foreclosures. With our audits we have been assisting homeowners by getting them with legal professionals who can help to get auctions reversed or set aside.
- Quiet Title Actions: Sometimes the only option left is the pursue litigation against your lender to obtain the title to your home free and clear. Don’t think that every person who pursues this course will get that title to their home. Often this type of litigation becomes the springboard for other solutions to either be put back on the table, or finally to be offered. When you pursue quiet title one outcome is that title free and clear, but it is not going to be the only option. You must remember that it is a legal action and that you and/or your attorney will pursue that action. Tila provides the investigations that make it possible to pursue.
- Wrongful Foreclosure: Maybe you’ve already lost your home and the chance of getting it back is no longer feasible, BUT you lost your home due to fraudulent foreclosure practices. Or Maybe you are involved in a foreclosure that you now have proof is wrongful and fraudulent. Legal Recourse is available to you. The audits will show whether or not there was foul play. A legal professional will help you with the next steps. If you don’t have that legal professional, we will help you find one.
Foreclosure Defense Starts With You
If you do not have the legal help you need, then just let us know and we will provide referrals to the legal firms who are able to use the results of the forensic loan audit or securitization audit to help prepare your next actions.
