Forensic Loan Audit
                        

             *The audit is to give homeowners more ammunition so they can stand a chance in a negotiating a decent modification with lenders who have far more resources then the average borrower and often play hardball unless they are faced with the risk of a costly lawsuit.
     
       *According to the Truth in Lending Act even a small mistake with calculating the borrower's annual percentage rate could be an actionable violation enabling the borrower to rescind the loan.  Therefore, the threat of a lawsuit is often sufficient to persuade an otherwise uncooperative lender to negotiate an attractive work out with the borrower.
      

       *Over 80% of the loan files reviewed by a firm contain violations ranging from small and unintentional mathematical errors to blatant fraud and misrepresentation .  The most common violation is the understatement of prepaid finance charges and in many instances a mere $35 error within truth in Lending disclosure statement could entitle the borrower to a refund of payments made since the inception of the loan.

      
                                      
                                         Loan Modifications
          *Hardship
          *Behind on your payments
          *Can't make your payments

* Or If you owe significantly more on your home than it is worth, we may be able to help you, regardless of whether you can currently afford your house payments.

You have legal rights under Arizona (We also do any state now)law that may strengthen your bargaining position. I will negotiate with your lender to attempt to modify your loan in the following ways:

• Reduce your interest rate. 
• Reduce the principal balance of your loan.
• Reduce your monthly payment.
• Extend your loan term (giving you more time to pay back the loan)