'
Happy Client - "I just wanted to call and thank you for doing this audit for me...  I was able to get the lender to reduce the loan's principal balance from $180,000 to $110,000!  ...They also waived $50,000 in back payments"
 
A Client's Attorney - "...I just wanted to let you know that the lender postponed the trustee sale after we notified them of the audit results..."
 
Happy Client - "...Thank you so much...I am going to refer all my friends to your service...!"


 

Welcome to FreeMortgageAudit.net

If you have missed 2 or more payments OR would just like lower payments then you must  "Take 5 Minutes" to get a FREE mortgage audit by completeing the form to the lower right.

Also we are giving away our 5 Free tactics to modify or eliminate your loan and stop foreclosure, the majority of these secrets can bring closure in a matter of hours... not days, weeks, or months.

Above is a sample audit.  You will instantly receive a FREE version after you complete the form to your right!  It only takes about 5 minutes, and most of the questions have Yes or No answers.  Successful audits can enable you to obtain rates as low as 1%, term extension as long as 45 years, and (if applicable) STOP Foreclosure.  You could also be entitled to a cash refund or be able to cancel your mortgage all together and get your DEED FREE AND CLEAR!

Free Mortgage Audit Overview 
(Right Mouse Click to Zoom/Full Screen)  

Full Forensic Audit Overview 
(Right Mouse Click to Zoom/Full Screen)  

MSNBC VIDEO

FAQs

What is the audit?
The audit is a review of the mortgage related documents signed by the borrower on the day of closing.  The audit focuses on disclosure violations of federal law, commissions violations and calculation errors.

Who can receive an audit?
All homeowners are eligible for an audit (80% - 98% of mortgages have potential violations). 

1.      If you have an ARM or high interest rate

2.      Your mortgage was sold

3.      You have an escrow account

4.      You have little to no equity

5.      You are struggling to make payments

6.      You are in foreclosure

7.      or You just want to check  

 

You QUALIFY!!!

 

Can this stop foreclosure?
Yes!  The audit can be used to stop ALL collection activity including foreclosure.

 

Do I need to be behind?
No! 

 

How is an audit different than a loan modification?
A loan modification is where you ask the lender to change the terms of your mortgage so your payments can become more affordable.  For example, they could lower your rate to 3% and/or extend your term to 40 years or so. 


An audit does not modify the loan terms, but it does make it much easier to get them modified.

 

Why should anyone do an audit to lower their payment?
Audits work to lower payments because it gives power to the homeowner.  The lender will now be much more willing to negotiate with them for better terms now that they have presented these violations.  The homeowner is now in the driver's seat!

 

Will this impact my credit?

Depending on your situation, it could actually help your credit because the lender must stop reporting to credit agencies once they acknowledge their violations.

 

What if I am in foreclosure and I want to sell my home?

A successful audit can give you all the time you need to find the right buyer.

 

Can an audit help if I have received a sale date?

Yes.  However, you may need to have an automatic stay filed if your date is less than 60 days away!

 

Can the mortgage audit help me if my home has already been sold?

Yes, as long as you live in a state that allows for a redemption period, you can still challenge your lender and stop the sale from being completed!!

 

You could also use the audit results to sue the lender for damages and remove any negative reporting on the credit report regardless of your state laws.

 

How much does a full forensic audit cost?

The fee is only $599 for the full audit result (30 to 70 page report), loan modification software , and audit letter correspondence to lender. 

 

100% Money Back Guarantee provided!

 

If you want the loan modification package professionally prepared then it is only $850 for everything!

 

Can I find out if I have violations before spending any money?

Yes.  We have a Free Online Audit available.  It will summarize some of the most abused violations.  It can even determine if you may be entitled to cancel your loan. 

 

Just complete the form to your upper right, and your results will be provided instantly.  Just click on any one of the laws on the results page to learn more about your FREE results.

 

You can also call 407-953-4820 to review the Free results.  You can also Click Here to get a Full Forensic Audit now!

 

IMPORTANT NOTE:

The free audit results are meant to be used as a directional guide for the homeowner. It is NOT a comprehensive forensic audit, and it will NOT show ALL violations.  The FREE results could show NO violations, BUT a full forensic audit could still find VERY SEVERE violations.

 

It is NOT possible to challenge your lender with the free results alone. The homeowner's actual mortgage paperwork must be reviewed to ensure identification of ALL audit violations.

 

What organization completes the Audit? Homeowner purchased audits are completed by The New Earth Foundation, Inc. an IRS approved non-profit 501 c(3).  Homeowner audits may be tax deductible.  Please Click Here for more information about the homeowner program.

Business purchased audits are handled by Strong Family Fund, Inc.  Click Here for more information on the Wholesale Audit Program.

Why does your organization NOT use HARD Sales tactics when offering your service to homeowners?

The New Earth Foundation (NE) is a non-profit organization.  It has a very impressive mission and its total oferring to Homeowners is UNMATCHED by ANY other organization that offers this type of service. 

NE feels that our:

- FREE Online Audit

- Comprehensive Forensic Audit

- Free Professional Loan Mod Software

- Client Specific RESPA/Audit Results Letters

- Tax Deductible Service Fee

- FREE Nationwide Attorney Referral, and

- Low Pricing

 

PLEASE CALL for more information.
To get your FREE copy of The 5 easiest Ways to Modify or Eliminate Your Loan and Stop Foreclosure and FREE Loan Modification Software Download simply tell us where to send it.
Email
Telephone
Full Name
    

 - Full Forensic Audit For Homeowners -  Click Here

 - Wholesale Audits For Professionals from $225 -  Click Here

  - FREE Loan Modification Software Download - Click Here

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FREE ONLINE Mortgage Audit

Please tell us about your situation and we'll send you 3 FREE gifts.  You will receive a FREE Mortgage Audit , FREE Loan Modification Software Download, and  The 5 Tactics to STOP Foreclosure, Modify or Eliminate Your Loan.

Leave Blank If Not Applicable

(Mostly Yes or No Responses)

First and Last Name 

E-Mail 

Tel 

What's the best time to call?

Property Address

City

State

Zip Code

Do you have an auction date?

Have you ever received a default notice?

What type of loan do you have?

 

If you refinanced, did you receive a 3-Day Right to Cancel paper at closing? 

 

If you refinanced, did you  ever  try to cancel your loan ?

 

Is the lender listed on your closing papers the same as the lender you pay today?     

What is the lender's name for the primary mortgage?

 

Did your lender tell you your loan was being sold?      

 

Do you pay your taxes and/or insurance in your monthly payment? 

 

 

 

Have you received your annual escrow statement each year?

 

If you are behind, were you told that you can get written proof of your debt obligation? 

 

Is either borrower receiving disability income?

 

Did either borrower report disability income on your loan application?

 

Is either borrower receiving workmen's compensation income?

 

Was  workmen's compensation on your loan application?     

 

Do you have more than one mortgage?

If you are behind, please tell us why (Select One Main Reason)?

If you think you have a bad mortgage, please tell us why (Select One Main Reason)?

Did you refinance your loan less than 3 years ago?

 

Did you receive your credit score results in writing?