Services
Forensic Audits and Securitization Audits
If you have missed 2 or more payments on your mortgage then you should consider getting a mortgage audit to help you persuade your lender to give you a new loan program.
What is a forensic audit? AUDIT OF THE BORROWER's EXPERIENCE 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 (TILA, RESPA, FDCPA, HOEPA, UCC, and others) and state laws (common law, fees, yield spreads, contract law, and others). The audit also looks for commissions violations, refund eligibility, misapplied payments, calculation errors, application fraud, and more.
What is a securitization audit? AUDIT OF THE NOTE AND MORTGAGE DEED's EXPERIENCE
The audit is a review of the sale transaction that took place after you received your loan. The audit focuses on chain of title, note and deed possession issues, and more.
Successful audits can enable you to obtain rates below 3%, 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!
SUMMARY OF AUDIT VIOLATION
Federal Disclosure Laws
Loan Servicing Auto Risk: High
No Violations
Violations Found
FACTA (Fair and Accurate Credit Transactions Act)
FACTA (Fair and Accurate Credit Transactions Act)
Reviewed
No Violations Found
PASS
Potential Violations
FDCPA (Fair Debt Collection Practices Act)
FDCPA (Fair Debt Collection Practices Act)
Reviewed
No Violations Found
Potential Violations
FAIL
HIPAA (Health Insurance Portability and Accountability Act)
HIPAA (Health Insurance Portability and Accountability Act)
Reviewed
No Violations Found
PASS
Potential Violations
HOEPA (Home Ownership and Equity Protection Act)
HOEPA (Home Ownership and Equity Protection Act)
Not HOEPA Loan
No Violations Found
Potential Violations
HOEPA (Home Ownership and Equity Protection Act)-Practices
HOEPA (Home Ownership and Equity Protection Act)-Practices
Not HOEPA Loan
No Violations Found
Potential Violations
RESPA (Real Estate Settlement Procedures Act)
RESPA (Real Estate Settlement Procedures Act)
Reviewed
No Violations Found
Potential Violations
FAIL
RICO (Racketeer Influenced and Corrupt Organizations Act)
RICO (Racketeer Influenced and Corrupt Organizations Act)
Not Reviewed
No Violations Found
Potential Violations
TILA (Truth and Lending Act)
TILA (Truth and Lending Act)
Reviewed
No Violations Found
PASS
Potential Violations
TILA (Truth and Lending Act) APR (Annual Percentage Rate) check
TILA (Truth and Lending Act) APR (Annual Percentage Rate) check
Reviewed
No Violations Found
Potential Violations
FAIL
UCC (Uniform Commercial Code)
UCC (Uniform Commercial Code)
Reviewed
No Violations Found
Potential Violations
FAIL
UDAAP (Unfair & Deceptive or Abusive Acts or Practices)
UDAAP (Unfair & Deceptive or Abusive Acts or Practices)
Not Reviewed
No Violations Found
Potential Violations
Calculation
No Error Found
Error Found
Mortgage Statement
Mortgage Statement
Reviewed
No Violations Found
PASS
Potential Violations
Commercial and Wholesale Mortgage Audits
If you have a business or are interested in starting your own audit business, you can obtain commercial and wholesale audits from MortgageAudit.com.
A Commercial Loan Audit & Analysis involves a very comprehensive analysis of a business and its related property(ies) that are subject to commercial loans. The primary purpose of the audit/analysis is to obtain improved terms on an existing note, and improve the cash flow of the business.
Wholesale Loan Audits are Forensic and Securitization Audits that are priced specifically for business clients. Each completed audit comes with a complimentary Attorney Consultation. These audits can and have been used sucessfully to:
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Stop foreclosure
-
Obtain loan modifications,
-
Cancel loans, and
-
Assist in winning monetary damages for borrowers
4 Step Loan Modification Software FREE Download!!
This easy to use loan modification software will prepare a professional loan modification package for you that is fully ready to be submitted to your lender for FAST approval!! It also takes into account President Obama's Making Home Affordable Program guidelines, and let's you know exactly what you need to do to have your request qualify for the program!!
The software comes with a step-by-step detailed instructional video that walks you through the 4 easy steps (see the video on this website for a sneak preview). Also, the video includes abonus feature on How to GET PRINCIPAL REDUCTIONS AND on How to Cancel Mortgages!!
The present mortgage status is as follows:
Principal :
Principal :
$169,065.00
No Violations Found
Potential Violations
Rate :
Rate :
10.625%
No Violations Found
Potential Violations
Term :
Term :
360
No Violations Found
Potential Violations
PITIA :
PITIA :
$2,751.02
No Violations Found
Potential Violations
Income Surplus/(Deficit)
Income Surplus/(Deficit)
($851)
No Violations Found
Potential Violations
Housing DTI
Housing DTI
39.04%
No Violations Found
Potential Violations
Total DTI
Total DTI
61.25%
No Violations Found
Potential Violations
After Considering our present financial situation and hardship, it has been determined that the fol;loeing modified loan terms would best meet our needs:
Principal :
Principal :
$149,320.00
No Violations Found
Potential Violations
Rate :
Rate :
2.747%
No Violations Found
Potential Violations
Term :
Term :
360
No Violations Found
Potential Violations
PITIA :
PITIA :
$1798.02
No Violations Found
Potential Violations
Income Surplus/(Deficit)
Income Surplus/(Deficit)
$102.02
No Violations Found
Potential Violations
Housing DTI
Housing DTI
25.51%
No Violations Found
Potential Violations
Total DTI
Total DTI
47.72%
No Violations Found
Potential Violations
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After reading this book and using the CreditRepairACE Softwre Program, you will know more on how easy it is to clean your credit report, establish good credit and deal with creditors without the assistance of Credit Repair Company.
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