FORENSIC DOCUMENT AUDIT

If you received a home loan between 2001- 2008, you may need to perform a Mortgage Loan Audit.

It is a FACT that many mortgage loans (75%-83%) contain legal errors that may provide defense against foreclosure, enable an aggressive loan modification, reduce your loan balance, or even result in legal action against your lender.

Government laws regarding your mortgage are very strict, yet rarely enforced because you cannot perform the audit yourself, and the lender won’t do it for you–ever! Only a mortgage document audit performed by mortgage industry compliance experts– backed by attorneys—- give you the answers you need.

You may want to check for violations of Federal Mortgage Laws prior to accepting a loan modification or refinancing. Your current mortgage lender will not audit your loan for you, nor help you protect your rights.

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.

The primary 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 known 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 principal and lower rate, meaning a more affordable mortgage for you the homeowner.

Get a Mortgage Loan Audit Now if:

* You were rejected for a loan modification
* You have an investment property
* You believe your mortgage is illegal
* You can’t refinance your ARM mortgage
* You need foreclosure defense

Stand Alone Forensic Doc Audit- $495 (Best option for Do-It-Yourself owners with a high probability of mortgage violations)

FULL SERVICE HOME RETENTION

Our primary job is to review your entire financial picture and to first pursue an aggressive mortgage reset by convincing your lender that it is better to bring the loan current and lower your mortgage payment by lowering the interest rate, extending the loan term, reducing the principal loan balance, or a combination of these options.

We will also ensure you are not living in fear of foreclosure during the process through our legal network that provides foreclosure defense if needed at no extra charge.

With declining property values across the country, many homeowners owe more than their house is worth, and it’s estimated by the end of 2010 over 44% of homeowners will be in that predicament.

Therefore principal balance reductions are also aggressively pursued where the homeowner is upside down (owes more than the property is worth) since there is a disincentive to you in continuing to pay for a depreciating asset that may decline further in value.

With our minimum 10% balance reduction guarantee (avg is 25%-35%) we will ensure you can afford your new mortgage payment.

Creating a payment plan you can afford is usually a better solution than taking the home through foreclosure, and the lender losing money on the re-sale.

The process starts with a thorough document audit, securitization history, and analysis to ensure we can stand by our promise if  we take your file.– Note:  Once you’re pre-approved, we have a 97% success rate.

Once we solve your mortgage problem we also provide debt settlement and credit repair at no extra cost.

The initial analysis takes approximately 3-4 weeks due to the thoroughness of the audit and is provided up front for Free if we find we cannot take your file, so there is absolutely no risk to you.

Free Forensic Audit/ Full Service Home Retention- $3,750 (Best option for those who want to avoid the upfront cost of a mortgage audit, but want a professional with a track record of results to handle their problem)

Email invoicing upon pre-approval

DO-IT-YOURSELF LOAN MODIFICATION

For clients on a limited budget and the desire to tackle their own loan modification but lack the necessary tools to succeed, this solution is for you.

Cutting edge proprietary software has been developed to help you generate your own loan modification proposal that takes all the guess work out of the process.

The cost analysis approach generated with your personalized data will arm you with the latest tool used by many loan modification firms in making the case for modification based on dollars and sense.

Lenders don’t want the property back, to add to the already bloated housing inventory. They want homeowners to stay in their homes, and it’s a win-win solution for everyone when they do.

With your self generated loan modification proposal in hand, you will be provided with the correct contact information in the correct department to help you streamline the process.

You will also be provided with a step by step timeline to take you through from start to finish.

The rest is up to you. There is effort involved on your part and certainly diligence is required to stay on top of your lender through completion.

But, you won’t be alone.  You will also get client support as well via email and phone to help with the process.

The self serve loan mod is fast becoming one of the most popular options for cash strapped homeowners who are willing to do some of the work themselves.  If for some reason you start the process and wish to turn it over to professionals we will gladly credit the cost toward the full service modification service.

Do It Yourself Loan Modification- $695 (Best option for those on a limited budget and the desire to tackle their own loan modification)

COMMERCIAL LOAN MODIFICATION

Is your commercial property giving you a headache? We have the aspirin. We now offer solutions for commercial property owners experiencing difficulty paying their mortgage.

The most important thing to remember is that you are not alone and you have options. Nearly 73 billion dollars worth of commercial loans are in financial distress.  It’s estimated that 6 trillion dollars of commercial real estate may be affected.

If you’re struggling with  your monthly mortgage payment, have chronic vacancies, tried slashing rents, offered incentives, and demanded concessions from current tenants but still can’t stay in the black, you’ve probably tried your first option which was to refinance.

Unfortunately with the already tight and increasingly tightening credit markets drying up available capital, you are running out of options on how to save your property.

We will help you renegotiate the terms of your commercial mortgage, lower your monthly payment, avoid foreclosure, and best of all help you get cash flow positive.

Each property, situation and client has different needs and there are several factors that contribute to a successful commercial modification.  We will provide a through analysis of your current situation, and present options to help make an informed decision and avoid default.

Contact us today for a Free evaluation of your property.

Commercial Loan Modification- $5,000 minimum or 1-2 percent of the loan amount depending on complexity. (Commercial loan mods may require additional services due to special circumstances  and urgency of the situation)

DEED IN LIEU OF FORECLOSURE

Under many conditions lenders will accept the property back from the borrower as full payment in order to save the time and expense of going through the foreclosure process.

Our job is to convince the lender it’s in their best interest to accept the property as payment in full.

This is not a simple plan as we must provide the lender with a complex detailed analysis of current value of the property –and future value. Then we must prove that the borrower cannot afford to make payment or sell the home any time soon or at all.

FREE- This added service is provided at no extra charge to loan modification clients who determine during the course of modification that they can no longer keep their home.

SHORT SALE

In a short sale, the bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the borrower. This negotiation is all done through communication with a bank’s Loss mitigation department.

The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt.

In such instances, the lender would have the right to approve or disapprove of a proposed sale. Most Short Sales leave a deficiency balance for which the Mortgagor / Borrower may still be liable.

In many cases it is not a settlement-in-full. Whether or not the lender will pursue the deficiency depends on the individual lender and is on a case by case basis.

FREE- This added service is provided at no extra charge to loan modification clients who determine they can no longer keep their home but wish to sell short to satisfy the loan obligation and avoid foreclosure.

NOW available in all states!