With the right help, virtually any foreclosure situation can be successfully resolved. Our affiliates have helped hundreds of homeowners to stop foreclosure and we can help you too.
When facing foreclosure Time is of the Essence. You MUST act fast to protect your rights.
Most people needing help with stopping foreclosure simply do nothing and hope for a miracle. Don’t fall into that trap! Click Here to get foreclosure help now.
…DO YOU KNOW YOU CAN STOP A FORECLOSURE WITH A COURT INJUNCTION?
Let our Legal Team, thru a Forensic loan audit find TILA, RESPA, HOEPA, FDCPA, FCRA, UDAP, and Civil Code/Procedure act violations with your lender….90% of all loan in the U.S. have violations in them.
FORENSIC LOAN AUDIT
We begin with a detailed Forensic Loan Audit review process of your loan documents.
- Complete client interview and all applicable parties
- Complete and detailed loan document and disclosure audit, performed by 30 year underwriting and fraud and compliance mortgage professional
- Truth in Lending Act (TILA) and Real Estate Settlement & Procedures Act (RESPA), (HOEPA), (FDCPA), (FCRA) violations.
- Reverse engineering of your loan terms and Annual Percentage Rate (APR) for possible TILA violations
- Complete report with all violations and findings
- Our legal team will do a Forensic loan audit on your loan to find violations in the real estate act to use as leverage to work with the banks to stop foreclosure.
CONSTRUCTIVE FRAUD
Material facts include the terms of the loan, whether there is a prepayment penalty, or any other information which a reasonable borrower would want to know before accepting the loan. Did the broker or loan officer or anyone working for the broker or loan officer fail to disclose any material facts to the borrower?
FRAUD AND NEGLIGENT MISREPRESENTATION
Were any representations, statements, or comments, written or oral made by the loan officer, broker, notary or anyone else which contradicted the terms of the documents? When a mortgage professional makes errors which a reasonably diligent mortgage professional would not have made, he or she may have made a negligent misrepresentation.
EXCESSIVE FEES
We look for Excessive Fees and improper Charges by your Lender. We also look for Deceptive Abusive Predatory Lending Practices, Excessive Prepayment Penalties, Tangible Benefits to the Borrower, Affordability to the Borrower, Home Mortgage Disclosure Act (HMDA) Data, Broker Fee Agreements, and State and Federal Disclosure Accuracy.
BREACH OF CONTRACT
The note and its attachments are a contract. The broker must follow all the terms of the contract such as the way the interest is calculated, and penalties it assesses. Were there any terms in the contract which the lender failed to follow?
THE RESULT
Once we determine that you may have been a Victim of Deceptive Lending Practices or any other type of Mortgage Compliance Issue stated above, we will send an official written request to your Lender, on your behalf.
We will first attempt to settle the Loan Issue/Documented Dispute with the Lender prior to filing complaint(s) with any agency and inform the Lender of the Issues we have found in our detailed “Mortgage Loan Document Review”.
Most Lenders will have little choice but to settle immediately, once they review the documented report we send them, breaking down our Expert Findings.
In the event, the Lender fails to respond to our official written request within 20 days of our notice or fails to settle within a 60 day time period, we will then refer your case out to our attorney who can file lawsuits with the lender on your behalf.
WE PROVIDE TO YOU
Loan Audit Report
- Results report of all factual findings of the forensic audit
- Any and all applicable federal law violations
- The real terms of your loan
- Outline of hidden fees and/or commission earned by your broker or lender
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A complete assessment so you can pursue possible legal claims against your broker and/or lender
Why wait for answers? Contact someone in our company who understands the foreclosure process and who knows the foreclosure laws in your state.
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