Services We Offer
- Forensic Loan Document Reviews (Forensic Loan Audits): A complete investigation of your closing file. It reveals all the violations of the federal laws that protect you as a borrower. It includes TILA, RESPA, HOEPA and ECOA, UDAP and OCC violations. This audit is used both in the courtroom and with the lenders to establish their responsibility in issuing the loan.
- Securitization Audits: This is the audit that shows if your servicer/investor has the right to foreclose on you. This audit investigates key documents, including servicing and pooling agreements, as well as deed, note and when applicable, certain foreclosure documents to determine if he who owns the note and the deed are the ones foreclosing on you. It will detail if the deed and note have been separated and resold. Also MERS assignment is identified and tracked. The servicing practices of your servicer, what the rules & regulations are that they must follow in servicing your loan, and if your foreclosure is/was illegal are researched as well.
- Assignment Audits: On those rare occasions when a loan has not been securitized you can still track the assignment of a loan and determine if the assignment and transfers have all been legally done. If they haven’t, then the lender is once again involved in illegal acts against you. Namely, wrongful foreclosure.
- Hamp Mod Audits: After a complete forensic loan review is done, on the original closing file, then a HAMP Mod Audit can be done as well to isolate the problems in both the original loan and the resultant audit. This information can then be used to re-open loan modification discussions with the bank and work to get a new or corrected audit. This audit would be combined with a Forensic Loan Document Review, and a loan modification.
- Predatory Billing and Servicing Audits: This investigation researches any predatory billing actions taken by the servicer in their billing practices and includes a complete reconciliation of these billing practices with the homeowner receiving a report of the reconciled account and any amount still owed and all credits made to your account. Under close scrutiny are the billings of your escrow accounts for property taxes and insurances as well as any fees that have been added to your account. An excellent service that can help to reduce principal balance through the reconciliation process.
- Forged Signature (Robo-Signing Audits). When you are in foreclosure the critical thing you need to know is: ”Did my lender use robo signers on my documents?” Smart homeowners don’t trust the bank to fix their own problem. They get the foreclosure documents investigated. It could just save your home!
- Commercial Audits: both forensic and securitization audits are available. Commercial loans do not get the same protection under TILA, RESPA, HOEPA and ECOA, thus the audits that are done are of the financials and all supporting information to show that the commercial property is well worth a loan mod. Securitization audits are the same as for residential loans.
- Commercial loan workout, restructuring, or loan mod negotiations: A complete negotiation service where we operate on your behalf to get the terms of your loan modified or get your lender to accept a favorable short sale offer. Due to the low results level most companies have, we do not negotiate a loan mod or short sale in the absence.
- Quiet Title Referrals: Isn’t it time to put all the agonizing months of loan modification attempts and failures behind you and just happily live in your fully paid home?Not only is this possible, it is being done with Quiet Title Actions!
- Referrals to Legal Professionals (both attorneys and paralegals depending upon your needs): It is not enough to get an audit, you have to do something with it. Legal Professionals are the answer to loan mods, litigation, foreclosure defense, etc.
- Loan Mod Attorneys: When Loan Mod is still in the cards for you, then we can help get you to the right attorney firm – fully FTC MARS compliant and able to help you get the job done! In some states we can even refer you to loan mod attorneys who are getting loan mods through the judicial process, not by working directly with lenders in out-of-court settings.
