Considering Loan Modification Or Facing Foreclosure? Contact Us Immediately!
Call 1-800-540-EXAM (3926) or E-Mail Mortgage Fraud Examiners
CHANCES ARE THERE ARE VIOLATIONS IN YOUR MORTGAGE OR APPRAISAL
Discrepancies are found in the majority of mortgages audited. Everyone with a mortgage should take advantage of a Forensic Audit, especially if your mortgage is less than 3 years old. The Forensic Audit will provide you with a detailed list of violations and where they appear in your mortgage documents. It will expose serious non-disclosure violations, accounting “errors,” fraud and other schemes of “unjust enrichment.” With proof in your hands, you can choose to move forward and turn the tables on your predatory lender.
Appraisal fraud is just as widespread as mortgage violations. Appraisers are supposed to value property based on properly developed, unbiased, and objective standards. The reality of the matter is that many appraisers are pressured by lenders to inflate the values of property to justify larger loans. Sometimes appraisers cave in to the pressure so they can receive repeat business from lenders; sometimes appraisers receive kickbacks from lenders. Whatever the case, an appraiser who intentionally inflates the value of a property to justify the loan has committed fraud. Our Forensic Audit will help uncover appraisal fraud, giving you additional defenses and leverage when fighting to save your home.
Fighting a foreclosure can gain you much needed time, years perhaps, to correct and resolve your situation. Obtaining a Forensic Audit is elemental to every Loan Modification, Short Sale, and Deed in Lieu resolution. The findings of an audit can significantly improve the opportunity for a positive resolution to the homeowner.
We can possibly help you keep your home, even if you are behind in your payments. Experts will review your mortgage documents, looking for common violations of consumer protection laws. These laws are commonly violated by the banks and mortgage industry, in what are called “predatory loans.” Often times, many violations of federal and state consumer protection laws are found during these mortgage audits.
The Truth In Lending Act (”TILA”) and the Real Estate Settlement Procedures Act (”RESPA”) are violated daily by lenders and mortgage companies. These consumer protection laws are in place to protect you, the homeowner, but they are often completely disregarded. Not only can the Truth In Lending Act be used to immediately stop the foreclosure process, but can also let you avoid bankruptcy.
In many cases, it is possible for a borrower in foreclosure to keep possession of their property without making mortgage payments for a period of time due to violations of Federal Law by the mortgage company. Moreover, it is also unlawful for the lender to report negative information about you to the Credit Reporting Agencies while the lawsuit is pending under the Fair Credit Reporting Act.
These laws are very strict, if the homeowner is simply overcharged by only $35.00 or if the annual percentage rate (APR) is only 0.125% higher than what was originally disclosed; there may be a violation of the Truth in Lending Act.
Remember our goal is to help you stay in your home. You can feel secure knowing that we work for you not your lender! The key is to act quickly – before it really is too late to do anything. The process is simple. It all starts with you picking up the phone. All calls are strictly confidential.
ALLOW US TO HELP YOU SAVE YOUR HOME FROM FORECLOSURE!
CALL US NOW:
1-800-540-EXAM (1-800-540-3926)
