buying mortgage loan
     Equity is neither created nor destroyed, it only changes hands

Have you ever checked your receipt from a restaurant for mistakes? Most people have.
Did you check your Mortgage receipt for mistakes?
Do you even know what a mortgage receipt is? The Final HUD-1 is the main part of a Mortgage receipt. Upwards of 80% of loans that were originated from 2001-2008 contain at least one violation such as Predatory Lending, excess fees, incorrect finance charges, mistakes and fraud.  If any violations are found in the loan agreement this can used as powerful negotiating tool while performing a loan modification, short sale, principal reduction, short refinance or sue the lender for damages. If the violations are presented to the Lender the right way, then the Lender would be far more willing to work with the homeowner on whatever goal the homeowner would like to accomplish.

Who should check their Mortgage for errors, omissions and fraud?
You’ve been told you do not qualify for a loan modification even though you are struggling with all your finances
You are still current on your payments and want to speed up the process on either short sale or loan modification
Any property use; primary residence, vacation home, investment property or commercial

Homeowner who owes more than what the home is worth today "upside down" or "under water"
Any Property type; Single Family, Condo, Townhouse, Residential Multi Unit, Commercial
Pre-foreclosure, FORECLOSED or even recently EVICTED after foreclosure is possible
Anyone with an Adjustable Rate Mortgage where as their payment has increased
Your lender has claimed they can make more money foreclosing on your home
Your lender refuses to modify your 2nd home or investment property
Currently behind on payments, history of late and/or partial payment
You’ve been told you would not qualify for a loan modification
You can’t hold on any longer waiting on your lender to help
Anyone where the original Lender is now out of business
Anyone who suspects their Lender of Predatory Lending
Anyone who suspects unfair practices by their Lender
Anyone who was bait and switched at time of closing
Anyone with a loan originated between 2001 - 2008
Your lender has a policy against loan modifications
Anyone with an Option ARM (pick a payment)
Anyone denied a Loan Modification
Your short sale has been denied
You make too much money
You can’t prove a hardship

Forensic and Securitization Audits reveal the problems to both parties

A Forensic Audit is a detailed investigation of your loan documents from the time you applied for credit up to and including origination. The investigation is done by experienced auditors, who are well versed in the Local, State and Federal laws that protect consumers and guide lending practices. A Securitization Audit reveals the path of how the Note was serviced after origination until the present day. If any violations are found you are entitled to damages which you can use to negotiate many different solutions.

The desire to solve the problem is stronger for both parties
When a Forensic and a Securitization Audit is done, a homeowner is finally able to show their Lender that the real reasons behind their inabilities to pay or continue to maintain payments is because the Homeowner is the injured party. When you can reveal to your Lender all the violations that exist in your loan, not only have you shown why you have struggled with the payments, but you have shown the problems the Lender has too. It is in the Lender's best interest to get this situation resolved and it is in both parties best interest if these violations can be resolved by accepting a Short Sale which would correct past violations and give all parties a winning and sustainable relationship.

Reality of Today’s Market:
In today’s market, most short sales listed with a Real Estate agent will go to foreclosure if in default of loan or never sell if current on loan payments. This is because a typical owner/occupant buyer working with a Realtor does not know how to deal with the banks and is not willing to continue with the negotiations past a couple of weeks. Most buyers want to move into a home within 30 days and while homes like yours may get interest, they rarely get to the closing table. Getting a Principal Reduction first creates equity so the Seller does not need lender approval to close on a sale. The Seller would then walk away with the proceeds from the sale.

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Disclaimer: All information on this site may be shared or duplicated for your use. does not perform Forensic Loan Audits, Securitization Audits, Loan Modifications, Principal Reduction, Owner
Financing or Short Sales.