House Doctors

Forensic Loan Document Audit to Help you get your short sales done!
Let Our Team of Mortgage Experts Examine Your Loan for Truth in Lending Act Violations, RESPA Violations and Fraud

When people look for a mortgage they rely on professional advice and the aid of a mortgage broker or lender. The loan process is complicated and most everyone places their trust in the professional that is guiding them through the process.

Unfortunately, many of these professionals placed thousands and thousands of borrowers in loans that they could not afford or in just down right exotic mortgages, that now have become extinct.

Predatory lending is a buzz word that is floating around a lot right now and for good reason. There are thousands and quite possibly maybe a million plus people that have mortgages where the Truth in Lending Act was violated, thus falling under the predatory lending statue. Many can stop foreclosure if they only knew what to look for and how to defend themselves.  And thats Home owners and Investors we are here to help  Call John  @ 347-469-1395

Loan Document Audit , Short Sales , Short Payoff Negotiations ( for Short Refinancing )

This service is a very specialized and imperative in identifying if a borrower is a victim of predatory lending. We review all loan documents and perform a thorough investigation for miscalculations and to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes. CALL US NOW !!!! 1 347-469-1395  or Email: Howtobeatthebank2@gmail.com

Our #1 goal is to determine whether there were violations of federal law. If these violations are found, then the borrower may be eligible for complete relief of the predatory loan. This is know as a loan rescission. Meaning the lender takes back the “predatory loan” and awards or credits back to the borrower all interest made on payments thus far, loan origination fees, all applicable lenders fees, penalties and attorney’s fees.

This can be done by means of a loan modification or a new affordable loan. This allows the borrower to get a new loan with a smaller principle, meaning that the mortgage can be affordable and non-predatory.

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FORENSIC LOAN DOCUMENT AUDIT , DEEDS IN LIEU OF FORECLOSURE , FOREBEARANCE (REPAYMENT) AGREEMENTS

Complete client interview and all applicable parties
Complete loan document and disclosure audit by 30 year underwriting and fraud and compliance mortgage professional
Truth in Lending Act (TILA) and Real Estate Settlement & Procedures Act (RESPA)
Reverse engineering of your loan terms and Annual Percentage Rate (APR) for possible TILA violations
Complete  report with all violations and findings
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?

NEGLIGENT MISREPRESENTATION
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.

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 the penalties it assesses. Were there any terms in the contract which the lender failed to follow?  YOU MUST CONTACT US NOW TIME IS NOT ON YOUR SIDE!!!   Email : Howtobeatthebank2@gmail.com      Or Just Call    LOAN AUDIT REPORT

CALL US NOW !!! 1 347-469-1395

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
A complete assessment so you can pursue possible legal claims against your broker and/or lender              We do not offer any Legal Advice or representation. Our team of marketing consultants work under the control, direction and supervision of U.S Attorneys.

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