If You Are Representing Your Clients In Any Foreclosure Matter And Have Not Had A Forensic Loan Audit Done… You May Be Leaving Yourself Open To A Lawsuit!!!

A Forensic Mortgage Audit is the comprehensive review of all loan documents including legal documents, and other evidence important to the mortgage loan. A forensic mortgage audit identifies any illegalities done by the lender, broker, appraiser or other parties involved with the mortgage transaction. The Audit process reviews all documents received from the date of application to the funding date.

The following outlines some of the services covered by our forensic mortgage audit:

	The Truth In Lending (TILA)

Is examined for accuracy (APR, Amount Financed, Finance charges, Total of Payments).

Note: We always find at least one violation in The Truth In Lending Disclosure.

	Real Estate Settlement Protection Act (RESPA)

Was Regulation Z and X followed

	Home Ownership and Equity Protection Act (HOEPA)

Does the loan pass HOEPA Guidelines

	1003 The Application

Was income verified - Was time on the job verified - Was occupation and income matched - Was affordability proven - Was a Reasonable Test Done - Does Debt to income prove a predatory loan

	The Note

Is It A Negative Am Loan

Is The Balloon Payment Legal

Is The Prepayment Penalty Legal

Are The Figures On The Note Correct

	Documents and Dates

Do All The Documents Dates Match

What Do Dates Have To Do With The Documents

How Do These Dates Prove Fraud 

	ADDITIONAL SERVICES LITIGATION CONSULTING and SUPORT QUALIFIED EXPERT WITNESS Case Evaluation Case Preparation