Document Audits
Member American College Of Forensic Examiners
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Attorney
Continuing Legal Education Provider
Deceptive, Discriminatory and Unfair Lending Practices actions inclined or intended to injure or exploit others for personal gain or profit, to convince borrowers to agree to unfair and abusive loan terms, enticing, inducing and/or assisting a borrower in taking a mortgage that carries high fees, a high interest rate and strips the borrower of equity.
CLICK HERE find out if you are in a Preditory Loan.
If You Answer Yes To Any Of These
You May Be In A Predatory Loan.
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Were the loan terms accurately disclosed
Were the loan terms accurately disclosed •Do you owe more on your home today then its current market value
Do you owe more on your home today then its current market value•Was your ability to repay the loan based on Federal Underwriting Standards
Was your ability to repay the loan based on Federal Underwriting Standards•Is your monthly payment unaffordable
Is your monthly payment unaffordable •Were any fees collected illegally
Were any fees collected illegally•Were you given all federal and state disclosures
Were you given all federal and state disclosures•Were you asked to sign documents that you did not understand
Were you asked to sign documents that you did not understand•Were you given a 3 day Notice of Cancellation
Were you given a 3 day Notice of Cancellation•Is your loan a – Interest Only– High Interest – Negative Amortization
Is your loan a – Interest Only– High Interest – Negative Amortization •Were you placed in a Non-Affordable loan
Were you placed in a Non-Affordable loan•Did your servicer buy Private Mortgage Insurance without your knowledge?
Did your servicer buy Private Mortgage Insurance without your knowledge?•Escrow Accounts – Is your servicer in compliance
Escrow Accounts – Is your servicer in compliance•Were any payment or parts of payments placed in a suspense account
Were any payment or parts of payments placed in a suspense account•Were you notified of transfer of servicing or transfer of Loan Ownership
Were you notified of transfer of servicing or transfer of Loan Ownership •Were all your payments posted on time
Were all your payments posted on time •Are late fees and interest being applied to your account over and over again
Are late fees and interest being applied to your account over and over againThe Procedure
We secure the “True” Loan Documents from your lender, these are the documents that may have been altered.
Our Expert Document Analyst will perform a detailed Examination of the “True” Loan Documents (the ones acquired from your lender) which will help give you and/or your attorney the proof needed to fight back against Deceptive Lending Practices and Fraud.
Our Comprehensive Document Mortgage Audit is a thorough Review of Federal and State required disclosures, Violations and Fraud.
The Discovery
Closing Documents
•Question the Proof and Validity of Debt, Name and Address of Note Holder, Servicing Agreements and Assignments
Question the Proof and Validity of Debt, Name and Address of Note Holder, Servicing Agreements and Assignments •Examine the Truth In Lending Disclosure to determine Payment Amount and Finance Charge Accuracy, Frequency and Change of Payment Date Prepayment Penalty Disclosure.
Examine the Truth In Lending Disclosure to determine Payment Amount and Finance Charge Accuracy, Frequency and Change of Payment Date Prepayment Penalty Disclosure.•Determine if a refinance did or did not benefit you
Determine if a refinance did or did not benefit you•What are the "True" terms of the loan
What are the "True" terms of the loan •Fees charged that were undisclosed and excessive
Fees charged that were undisclosed and excessive•Has the loan been sold without your knowledge
Has the loan been sold without your knowledge•Have you been charged unlawful fees
Have you been charged unlawful fees Loan Transaction History
•Secure the lenders Transaction Codes
Secure the lenders Transaction Codes •Are monthly payments being applied legally
Are monthly payments being applied legally•Are Fees, Charges and other “unexplained” charges to the account legal
Are Fees, Charges and other “unexplained” charges to the account legal•Adding unfair or unauthorized fees to your payments or loan balance
Adding unfair or unauthorized fees to your payments or loan balance•Setting escrow payments too high, failing to pay taxes on time
Setting escrow payments too high, failing to pay taxes on time •Failure to properly credit payments in a timely manner
Failure to properly credit payments in a timely manner•Unfair practices in connection with delinquent mortgages, including demanding illegal foreclosure fees
Unfair practices in connection with delinquent mortgages, including demanding illegal foreclosure feesOur Services also include filing Complaints as necessary on your behalf with Federal and State Regulatory Agencies.
Are You A Victim Of Deceptive Lending Practices?
1-800-910-6673
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FREE Preliminary Examination
Of Your Loan Documents!
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