LOANAUDITSPRO.COM "Find Out The Secrets Your Lender Fears Most!"
WIN YOUR FIGHT AGAINST THE CLOCK -- GET YOUR FORENSIC LOAN AUDIT!
WIN YOUR FIGHT AGAINST THE CLOCK -- GET YOUR FORENSIC LOAN AUDIT!
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Frequently Asked Questions
Can I stop the foreclosure? How can I save my home / house from foreclosure?
Only your attorney can legally give you legal advice. Stopping the foreclosure and/or saving your home from foreclosure is certainly within the legal arena. A Forensic Loan Audit performed by LoanAuditsPro.com is a very powerful document containing eye-opening (usually jaw-dropping) information that every borrower should have, ready to be put to use by your skilled attorney!
What if I have already lost my home to foreclosure?
Only your attorney can legally give you legal advice. What if your attorney was able to utilize a forensic loan audit performed by LoanAuditsPro.com to identify federal law that extended your ability to recoup funds paid into the loan, therefore owed to you because of foreclosure? What if your lender now owed you rather than you owing them?
All I want is a loan modification, why should I get a forensic loan audit?
Only your attorney can legally give you legal advice. Do you not want the best modification possible, not merely the offers that the lenders send out in bulk mail? The lenders' income is (your interest) + (your principal) = your mortgage payment. Why should they reduce a comparatively large part of their income? They are a business with shareholders and very highly paid executives. They often just politely say "No.", or make their rules too difficult and complicated deliberately because it saves them their income. Or they send you a watered down bulk mail modification offer! Your skilled attorney has the know-how and authority to demand their action in the legal arena. What if a forensic loan audit from LoanAuditsPro.com gave your attorney the leverage that you needed for your lender to be fair and give you a better, lower interest rate settlement? And would you be surprised if that settlement included reimbursement of legal fees, and perhaps a little principal reduction to make the overall transaction fair?
Do I really need to have an attorney? Can I just send the audit to my lender?
Refer to answer immediately above.
My loan modification was denied, what can I do?
Only your attorney can legally give you legal advice. However, suppose your attorney negotiated a settlement with your lender including but not limited to a favorable loan modification even after a denial? We highly recommend obtaining a Forensic Loan Audit from LoanAuditsPro.com while consulting with your carefully chosen real estate attorney.
My attorney says he/she already has a great loan auditor to examine my documents, is this true?
Maybe yes maybe no, this is really a tough question! All we can say is do whatever you feel is necessary to make sure about this. You could also play a step ahead by obtaining a separate Forensic Loan Audit from LoanAuditsPro.com, and then comparing them side-by-side to see for yourself. While this is of course an additional expenditure, you may find it a comfortable form of insurance for such a large investment as a home. Isn't it better to be safe than to be sorry?
Is this really necessary? I'm on a tight budget.
Only your attorney can legally give you legal advice. How would your budget be affected if your attorney negotiated a settlement with your lender which included: a reimbursement of all attorney's fees and legal expenses; a nicely reduced interest rate; a principal reduction; a handsome partial refund of monies already paid; a loan rescission; return of ownership rights to a previously foreclosed upon home; or a combination of one or more of the above? Isn't it better to be sure, especially about such a large investment as a home?
How do I get my house free and clear?
Only your attorney can legally give you legal advice. LoanAuditsPro.com does NOT advocate the idea of borrowers not paying back their loans. LoanAuditsPro.com DOES advocate the ideas of both borrowers and lenders adhering to all applicable laws as well as honest, fair and balanced transactions both individually and broadly throughout both the real estate and lending industries.
Will a forensic loan audit help me with strategic default?
Only your attorney can legally give you legal advice. Strategic default has received some broad publicity and is not fully understood by everyone. Strategic default is not as simple as withholding your mortgage payments during the foreclosure or just returning your house-keys to your lender. Foreclosure is a legal process in non-judicial states as well, that has repercussions on your credit and possibly your taxes. Lenders can collect owing balances in deficiency states after foreclosure, as well as after a foreclosure sale. Strategic default can be very difficult for example: lenders have been known to buy back properties at auction at a very low price, and then pursue the previous borrower for the entire remaining balance owed. Suppose your attorney negotiated a settlement which included an erasure of your deficiency judgment and your abandonment of property plus loan with clean credit, or both? Depending on the individual circumstances (which your attorney can detail with the aid of a forensic loan audit performed by LoanAuditsPro.com), what if your lender then also owed you some refund?
What about the foreclosure moratorium, what should I do now?
Very carefully choose your attorney and obtain your Forensic Loan Audit from LoanAuditsPro.com immediately! The moratorium is a lucky break, make the best of it before it goes away.
Are forensic loan audits a scam?
No they are not. However there are scammers/bad apples in probably every field. When the news media and the politicians heard of these bad apples, they didn't do enough research to find out that the forensic loan audit industry was a proud and legitimate occupation before these bad apples slithered in and made it look illegitimate before the national audience! Finally when the news media and the politicians found out the truth they were rightfully embarrassed and mad about it. This is why they called for investigations of the big lenders and moratoriums on foreclosures. This is exactly why you need a skilled and experienced real estate attorney who is familiar with and knowledgeable about the law. And such an attorney will normally advise you to obtain a very thorough forensic loan audit.
Do loan audits really work?
The correct phrasing of this is: How can I make sure my loan audit is as good as a Forensic Loan Audit performed by LoanAuditsPro.com?
Don't chance it anywhere else!
Is it really true that about 90+% of mortgages out there are hiding serious legal violations in one form or another, if not several?
Yes it's really true. Why do you think the big lenders have voluntarily stopped their own foreclosures? Surely you've heard the news stories about widespread real estate loan document irregularities and illegalities. Now is the perfect time in history to obtain your Forensic Loan Audit from LoanAuditsPro.com, as well as carefully select a skilled real estate attorney you can trust!
Why did the big lenders voluntarily stop their own foreclosures?
A properly performed forensic loan audit in the hands of a very skilled real estate attorney, in court, was the single catalyst responsible for this wave of submission from the big lenders. What secrets are inside of your loan documents?
What kind of guarantee do you offer?
We will happily return all of your photocopies of your loan documents with free shipping if we do not find what we believe is enough evidence for a case against your lender!
How many copies of the findings of my Forensic Loan Audit do I receive?
We provide two printed/hard copies in addition to one copy on CD! We also return all of your photocopies of your loan documents.
How big is the report? How many pages do I get?
What is better for your car: a gallon of pure gasoline, or five gallons of water mixed with one cup of gasoline? 86 octane or 92? Quality is the issue here, not quantity. The findings of your Forensic Loan Audit performed by LoanAuditsPro.com contained on a single page, perhaps even within a single paragraph could very easily carry more weight in court than one hundred pages of superfluous text and information filler. Our forensic audit reports occupy as many pages as it takes to detail every bit of relevant information such as: laws violated by category and/or industry classification; substantiating case law; common and uncommon combinations and/or variables thereof, etc. You want the knockout punch; delivered by a powerful prizefighter-You want a Forensic Loan Audit performed by LoanAuditsPro.com; in the hands of an aggressive and very skilled real estate attorney! With an investment as large and important as your home why settle for anything less? However, ten to twenty-five pages in the hard-copy form is the norm.
Can I wait to do it later?
Would you rather have the clock as your friend or your enemy?
Who can obtain a forensic loan audit?
Anyone who has a mortgage can purchase a forensic loan audit. Many homes have negative equity due to deflation of the real estate market. Who would not enjoy a settlement negotiated by their attorney that was sufficiently substantial to remove some, or perhaps even all of their negative equity, depending on individual circumstances.
What are my options after the forensic loan audit has brought violations, errors, irregularities and perhaps malefactions within view?
Only your attorney can legally give you legal advice. The individual circumstances of every borrower are unique. The weight of the violations plus the skill and creativity of your attorney may loosely be said to equal those options; more obviously being better. Who would not object to having a foreclosure set aside or canceled? Suppose a stubborn lender finally agreed to that lower interest rate loan modification, principal reduction, addition of equity, etc.? How about the consequential improvement of credit scores?
Should I purchase a forensic loan audit before or after I seek a loan modification?
Only your attorney can legally give you legal advice. Every borrower's situation is different. Since a forensic loan audit provides your attorney with the strength and leverage to negotiate more and larger options in your favor, wouldn't you prefer to have that advantage prior to seeking a modification?
Which loan documents are necessary for the audit?
The necessary documents include all related paperwork given to the borrower before, during and after the loan process. This includes: Deed of Trust or Mortgage, Any and all Right to Cancels, Any and all Riders (adjustable rate, balloon, etc.), Any and all Truth in Lending Statements, Good Faith Estimate, HUD-1, The initial application (1003), The Closing Instructions, and any other paperwork given to the borrower.
Do you know any good real estate attorneys?
We do not receive any compensation for referrals but we do have a referral network. We only work with established firms with a demonstrated successful track record. While our small referral network is high caliber, they nonetheless have reduced their initial fees for referred clients of LoanAuditsPro.com.
Only your attorney can legally give you legal advice. Stopping the foreclosure and/or saving your home from foreclosure is certainly within the legal arena. A Forensic Loan Audit performed by LoanAuditsPro.com is a very powerful document containing eye-opening (usually jaw-dropping) information that every borrower should have, ready to be put to use by your skilled attorney!
What if I have already lost my home to foreclosure?
Only your attorney can legally give you legal advice. What if your attorney was able to utilize a forensic loan audit performed by LoanAuditsPro.com to identify federal law that extended your ability to recoup funds paid into the loan, therefore owed to you because of foreclosure? What if your lender now owed you rather than you owing them?
All I want is a loan modification, why should I get a forensic loan audit?
Only your attorney can legally give you legal advice. Do you not want the best modification possible, not merely the offers that the lenders send out in bulk mail? The lenders' income is (your interest) + (your principal) = your mortgage payment. Why should they reduce a comparatively large part of their income? They are a business with shareholders and very highly paid executives. They often just politely say "No.", or make their rules too difficult and complicated deliberately because it saves them their income. Or they send you a watered down bulk mail modification offer! Your skilled attorney has the know-how and authority to demand their action in the legal arena. What if a forensic loan audit from LoanAuditsPro.com gave your attorney the leverage that you needed for your lender to be fair and give you a better, lower interest rate settlement? And would you be surprised if that settlement included reimbursement of legal fees, and perhaps a little principal reduction to make the overall transaction fair?
Do I really need to have an attorney? Can I just send the audit to my lender?
Refer to answer immediately above.
My loan modification was denied, what can I do?
Only your attorney can legally give you legal advice. However, suppose your attorney negotiated a settlement with your lender including but not limited to a favorable loan modification even after a denial? We highly recommend obtaining a Forensic Loan Audit from LoanAuditsPro.com while consulting with your carefully chosen real estate attorney.
My attorney says he/she already has a great loan auditor to examine my documents, is this true?
Maybe yes maybe no, this is really a tough question! All we can say is do whatever you feel is necessary to make sure about this. You could also play a step ahead by obtaining a separate Forensic Loan Audit from LoanAuditsPro.com, and then comparing them side-by-side to see for yourself. While this is of course an additional expenditure, you may find it a comfortable form of insurance for such a large investment as a home. Isn't it better to be safe than to be sorry?
Is this really necessary? I'm on a tight budget.
Only your attorney can legally give you legal advice. How would your budget be affected if your attorney negotiated a settlement with your lender which included: a reimbursement of all attorney's fees and legal expenses; a nicely reduced interest rate; a principal reduction; a handsome partial refund of monies already paid; a loan rescission; return of ownership rights to a previously foreclosed upon home; or a combination of one or more of the above? Isn't it better to be sure, especially about such a large investment as a home?
How do I get my house free and clear?
Only your attorney can legally give you legal advice. LoanAuditsPro.com does NOT advocate the idea of borrowers not paying back their loans. LoanAuditsPro.com DOES advocate the ideas of both borrowers and lenders adhering to all applicable laws as well as honest, fair and balanced transactions both individually and broadly throughout both the real estate and lending industries.
Will a forensic loan audit help me with strategic default?
Only your attorney can legally give you legal advice. Strategic default has received some broad publicity and is not fully understood by everyone. Strategic default is not as simple as withholding your mortgage payments during the foreclosure or just returning your house-keys to your lender. Foreclosure is a legal process in non-judicial states as well, that has repercussions on your credit and possibly your taxes. Lenders can collect owing balances in deficiency states after foreclosure, as well as after a foreclosure sale. Strategic default can be very difficult for example: lenders have been known to buy back properties at auction at a very low price, and then pursue the previous borrower for the entire remaining balance owed. Suppose your attorney negotiated a settlement which included an erasure of your deficiency judgment and your abandonment of property plus loan with clean credit, or both? Depending on the individual circumstances (which your attorney can detail with the aid of a forensic loan audit performed by LoanAuditsPro.com), what if your lender then also owed you some refund?
What about the foreclosure moratorium, what should I do now?
Very carefully choose your attorney and obtain your Forensic Loan Audit from LoanAuditsPro.com immediately! The moratorium is a lucky break, make the best of it before it goes away.
Are forensic loan audits a scam?
No they are not. However there are scammers/bad apples in probably every field. When the news media and the politicians heard of these bad apples, they didn't do enough research to find out that the forensic loan audit industry was a proud and legitimate occupation before these bad apples slithered in and made it look illegitimate before the national audience! Finally when the news media and the politicians found out the truth they were rightfully embarrassed and mad about it. This is why they called for investigations of the big lenders and moratoriums on foreclosures. This is exactly why you need a skilled and experienced real estate attorney who is familiar with and knowledgeable about the law. And such an attorney will normally advise you to obtain a very thorough forensic loan audit.
Do loan audits really work?
The correct phrasing of this is: How can I make sure my loan audit is as good as a Forensic Loan Audit performed by LoanAuditsPro.com?
Don't chance it anywhere else!
Is it really true that about 90+% of mortgages out there are hiding serious legal violations in one form or another, if not several?
Yes it's really true. Why do you think the big lenders have voluntarily stopped their own foreclosures? Surely you've heard the news stories about widespread real estate loan document irregularities and illegalities. Now is the perfect time in history to obtain your Forensic Loan Audit from LoanAuditsPro.com, as well as carefully select a skilled real estate attorney you can trust!
Why did the big lenders voluntarily stop their own foreclosures?
A properly performed forensic loan audit in the hands of a very skilled real estate attorney, in court, was the single catalyst responsible for this wave of submission from the big lenders. What secrets are inside of your loan documents?
What kind of guarantee do you offer?
We will happily return all of your photocopies of your loan documents with free shipping if we do not find what we believe is enough evidence for a case against your lender!
How many copies of the findings of my Forensic Loan Audit do I receive?
We provide two printed/hard copies in addition to one copy on CD! We also return all of your photocopies of your loan documents.
How big is the report? How many pages do I get?
What is better for your car: a gallon of pure gasoline, or five gallons of water mixed with one cup of gasoline? 86 octane or 92? Quality is the issue here, not quantity. The findings of your Forensic Loan Audit performed by LoanAuditsPro.com contained on a single page, perhaps even within a single paragraph could very easily carry more weight in court than one hundred pages of superfluous text and information filler. Our forensic audit reports occupy as many pages as it takes to detail every bit of relevant information such as: laws violated by category and/or industry classification; substantiating case law; common and uncommon combinations and/or variables thereof, etc. You want the knockout punch; delivered by a powerful prizefighter-You want a Forensic Loan Audit performed by LoanAuditsPro.com; in the hands of an aggressive and very skilled real estate attorney! With an investment as large and important as your home why settle for anything less? However, ten to twenty-five pages in the hard-copy form is the norm.
Can I wait to do it later?
Would you rather have the clock as your friend or your enemy?
Who can obtain a forensic loan audit?
Anyone who has a mortgage can purchase a forensic loan audit. Many homes have negative equity due to deflation of the real estate market. Who would not enjoy a settlement negotiated by their attorney that was sufficiently substantial to remove some, or perhaps even all of their negative equity, depending on individual circumstances.
What are my options after the forensic loan audit has brought violations, errors, irregularities and perhaps malefactions within view?
Only your attorney can legally give you legal advice. The individual circumstances of every borrower are unique. The weight of the violations plus the skill and creativity of your attorney may loosely be said to equal those options; more obviously being better. Who would not object to having a foreclosure set aside or canceled? Suppose a stubborn lender finally agreed to that lower interest rate loan modification, principal reduction, addition of equity, etc.? How about the consequential improvement of credit scores?
Should I purchase a forensic loan audit before or after I seek a loan modification?
Only your attorney can legally give you legal advice. Every borrower's situation is different. Since a forensic loan audit provides your attorney with the strength and leverage to negotiate more and larger options in your favor, wouldn't you prefer to have that advantage prior to seeking a modification?
Which loan documents are necessary for the audit?
The necessary documents include all related paperwork given to the borrower before, during and after the loan process. This includes: Deed of Trust or Mortgage, Any and all Right to Cancels, Any and all Riders (adjustable rate, balloon, etc.), Any and all Truth in Lending Statements, Good Faith Estimate, HUD-1, The initial application (1003), The Closing Instructions, and any other paperwork given to the borrower.
Do you know any good real estate attorneys?
We do not receive any compensation for referrals but we do have a referral network. We only work with established firms with a demonstrated successful track record. While our small referral network is high caliber, they nonetheless have reduced their initial fees for referred clients of LoanAuditsPro.com.
Start Now and Put Time On Your Side!
Email LoanAuditsPro.com at info@LoanAuditsPro.com!
Step 2:
Make and/or Obtain Photocopies of All of Your Loan Documents.
Step 3:
Send a Copy of All of Your Loan Documents by Email, or by US Mail or Equivalent.
Step 4:
Receive Your Thoroughly Detailed, Professional, Manually Performed Forensic Real Estate Loan Audit, Including Clear, Detailed Evidence for Your Attorney to Follow for Legal Strategy. Shipped to You via FedEx Within 7 Business Days of Receipt of Your Loan Document Photocopies! Payment is due upon delivery!
Step 5:
Very Carefully Choose Your Legal Counsel (if you have not done so already) and Consult Over The Findings of The Forensic Real Estate Loan Audit, and Determine Your Best Course of Action!