United Finance Group

What is Forensic Audit ?

If you received a home loan or have refinanced over the last seven years, there is a very good chance you have been a victim of predatory lending!

This means that in the process of getting a home loan or refinancing your home, your lender caused you financial harm and placed you in a loan that violates your rights under Federal and/or state laws and for which you are now entitled to seek justice.

Although your current mortgage situation is unfortunate, the opportunity to challenge your mortgage and hold your lender accountable for past actions and misconduct is great news!

With our attorneys, it is our job to give you real, permanent solutions to your mortgage nightmare.

How do I begin the process of challenging my mortgage?

The first thing you MUST do is have a Forensic Mortgage Audit performed to see which laws were broken when you received your mortgage.

What is a Forensic Mortgage Audit?

A Forensic Mortgage Audit is the comprehensive review of all your loan documents and other evidence pertaining to your home loan. A Forensic Mortgage Audit identifies any illegalities performed by the lender in conjunction with the mortgage. During the audit process, skilled professionals review all documents and communications received from your lender to find violations of your consumer rights.

Why is a Forensic Mortgage Audit important?

Loans must be legal to remain enforceable by the lender. Loan Violations are serious offenses of Federal Consumer Protection Law and lenders may face stiff fines and legal consequences for breaking these laws. A Forensic Mortgage Audit determines violations of the laws governing lenders. An audit report provides a POWERFUL tool for negotiating with your lender.

How does a Forensic Mortgage Audit help a homeowner?

Violations are the leverage used to present your case with your lender. The more violations discovered, the better your chances of obtaining a favorable settlement. The chances of a successful settlement increase with the most severe violations.

Auditors

Our Law Offices are experienced in finding the violations you need to go after your lender. They have years of mortgage audit and mortgage underwriting experience.

Attorneys

Our attorneys are Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA) and other fair lending law experts. They are not only knowledgeable, but also understanding. They know that this is an emotional time as clients and they will bend over backwards to answer your questions and keep you informed.

What Should I Do Next?

Contact the team today by registering on the left side of this page or call us at (877) 5-REFI-US (877-573-3487) to discuss how you can receive your Financial Mortgage Audit and finally gain financial relief from your mortgage nightmare.

Why You Need Our Forensic Loan Audit!

With our Mortgage audit you will be able build a legal case against your lender. Our three step audit process results in a comprehensive advanced Forensic Mortgage Audit that is second to none. We begin with highly specialized software which identifies potential violations of your legal rights in your loan documents. Our Law Firm performs a detailed manual audit. Finally, an Intake Questionnaire interview is conducted to give us the whole story of what happened during the loan process. Once this is finished, a detailed report is prepared.

• Our Forensic Loan Audit is a critical tool for your attorney to use in representing your interests when dealing with your lender.
• A majority of all forensic loan audits reveal violations in RESPA (Real Estate Settlement Procedures Act), Predatory Lending, TILA (Truth in Lending Act) and Real Estate/Mortgage Fraud.
• An overcharge of $35.00 or an 1/8% higher annual percentage rate (APR) than originally disclosed may be a violation of the Truth in Lending Act.

Find Out If Your Loan Contains Violations! If a mortgage contains state or federal lending violations, the mortgage is NOT enforceable. Our forensic loan audit is comprehensive and thorough to make sure we find all the violations in your loan. We search all documents and correspondence for constructive fraud, fraud and negligent misrepresentation, excessive fees, breach of contract and more. Applying the law and regulations at the time the mortgage was signed, we verify compliance with:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Home Ownership Equity Protection Act (HOEPA)
• and more...

Level the Playing Field

Without the law on your side, lenders can threaten you with:

• Derogatory Credit Reporting
• Interest Rate Escalation
• Penalties and Late Fees
• Foreclosure

Take control of the negotiation!

Having a forensic loan audit which reveals lending violations gives your Law Firm the ammunition he or she needs to get you relief from your mortgage nightmare!