Avenue S Mortgage Document Auditing Services, Inc.

• Complete client interview and all applicable parties

• Complete loan document and disclosure audit 

• Truth in Lending Act (TILA) and Real Estate Settlement & Procedures Act (RESPA)

• Reverse engineering of your loan terms and Annual Percentage Rate (APR) for possible TILA violations

• All findings are reported to the following agencies: FBI, Dept of Real Estate, Dept of Real Estate Appraisers, Federal Trade Commission, Internal Revenue Service - Criminal Investigation Division, Regulatory Banks.

Constructive Fraud

Material facts include the terms of the loan, whether there is a prepayment penalty, or any other information which a reasonable borrower would want to know before accepting the loan. Did the broker or loan officer or anyone working for the broker or loan officer fail to disclose any material facts to the borrower?

Fraud and Negligent Misrepresentation

Were any representations, statements, or comments, written or oral made by the loan officer, broker, notary or anyone else which contradicted the terms of the documents?

Negligent Misrepresentation

When a mortgage professional makes errors which a reasonably diligent mortgage professional would not have made, he or she may have made a negligent misrepresentation.

Breach of Contract

The note and its attachments are a contract. The broker must follow all the terms of the contract such as the way the interest is calculated, and the penalties it assesses. Were there any terms in the contract which the lender failed to follow?

Loan Audit Report

• Results report of all factual findings of the forensic audit

• Any and all applicable federal law violations

• The real terms of your loan

• Outline of hidden fees and/or commission earned by your broker or lender

• A complete assessment so you can pursue possible legal claims against your broker and/or lender

Waiver and Agreement For Services

“Know your Rights, Know your Options”

I __________________, on ________________ agree to the following services and terms between myself and Avenue S Mortgage Document Auditing Services.

A consultation fee of $        is required. If Avenue S Mortgage Document Auditing Services elect to provide services the following fees will apply.

A Deposit of $        prior to the initiation of any work product.

When the Examination is completed the remaining $        will be applied.

The fee applied must be paid in full or a billing agreement must be determined prior to the release of the Qualified Written Request and Report of Examination with Supporting Documentation.

If you decide to terminate services during the Examination you will be billed for the expenses incurred to the point of termination and will waive any right to work product at the time of termination.

All Examinations are solely the work product of Avenue S Mortgage Document Auditing Services.

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(print) Client Name and Signature

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Received By: / Date

Disclaimer

We are not a mortgage elimination company. We are not a Law office or a Credit Repair Facility. We do not claim to be Legal Professionals nor do we provide Legal Advice. We do not represent you in Court. Only your chosen Attorney can represent you in a Court of Law. We do not provide any guarantees on the outcome of your case. 

You might have a legal case if:

• Your broker falsified your income;

• Your broker hid his or her fees;

• You weren't immediately given a copy of the good-faith estimate and weren't given an accurate HUD-1 statement breaking down all fees at closing;

• After signing the contract to refinance your mortgage, you didn't walk out with a "notice of rescission" that explains your rights to cancel the refi within three business days;

• You were led into a subprime loan though your credit would've qualified you for a better loan; or

• In short, you were lied to or deceived.

Steps to Recovery

1- Audit your Mortgage Loan Documents.

A comprehensive and in depth review will reveal ALL possible claims against your Loan Originator. Before any Legal Action is undertaken we will try to resolve the matter with your Lender.

If nothing is rectified....

2- Your Right to Trial by Jury

Chose your Attorney who will represent you in Court.