Who Needs A Loan Analysis

Our services are most effective for the following: (regardless of hardship position)

- Financially unsophisticated borrowers whose mortgage suitability and sustainability were based only on the "teaser rate" or who
  anticipate future inevitable loss.
- Any borrower who was unaware of the existence of material misrepresentation/s in their Uniform Residential Loan Application.

First take the suitability and sustainability test. Click here.

Borrowers who will not benefit from our service are the following:

- Distraught homeowners seeking loan modifications based on decline in value.
- Borrowers whose mortgages were originated with due diligence underwriting.
- Borrowers that are struggling to meet their obligation due to natural, unfortunate circumstances. (e.g. job loss, health issues, etc.)

Apply for the  Making Home Affordable Program and Beware of Foreclosure Rescue Scams.


Our protocol for service is based on a justified need for accountability.


Forensic Loan Audit Checklist

   1. Documents Required: 

      ___   Uniform Residential Loan Application (1003)
      ___   Uniform Underwriting Transmittal Summary (1008)
      ___   IRS Form: 1040 (year prior to loan origination) or  4506-T Verification
      ___   Truth in Lending Disclosure Statements (Initial and Final)
      ___   (3-Day) Notice of Right to Cancel
      ___   HUD-1 (or HUD-1A) Settlement Statement
      ___   Mortgage and Note (with any riders or attachments)
      ___   Escrow Instructions
      ___   Title Report
      ___   HOEPA (or “Section 32”) Notice (if lender treated loan as a HOEPA loan)
      ___   Appraisal Report
      ___   Loan Modification Denial Letter
      ___   Notices: Default, Trustee Sale, Unlawful Detainer

   2. Fully Completed Service Agreement 

   3. Please read your Borrowers Rights,  United States Declaration of Independence and download a copy of S.1222