Forensic Loan Document Review
We use the Forensic Mortgage Loan Document Audit as basis for gaining leverage
in lender negotiations. This Audit reveals various Federal and State violations
or errors in the original loan documents. Auditing statistics show that a
large number of loans have significant violations. Reasons to Conduct a Forensic
Loan Doc Audit:
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Truth-in Lending violations
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RESPA Violations
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Excessive Points & Fees
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Misrepresentation
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Constructive Fraud
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Predatory Lending
The Forensic Loan Doc Audit is a significant part of a loan modification
request submitted on behalf of a homeowner. The Audit reveals TILA (Truth
in Lending Act), RESPA (Real Estate Settlement Procedures Act), Predatory
Lending, and Real Estate/Mortgage Fraud violations. In some cases, if the
homeowner is simply overcharged by only $35.00 on the final HUD-1, or if
the annual percentage rate(APR) is only .125% higher than what was originally
disclosed; there may be a violation of the Truth in Lending
Act. This creates leverage when negotiating with the lender and more than
enough incentive for the lenders to grant a beneficial loan modification.
Our Mortgage Experts Will Examine Your Loan for Truth in Lending
Act Violations, RESPA Violations, Fraud and Misrepresentation
This service is available to Law Enforcement Agencies.
Please click below. 
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