Forensic Mortgage

At the end of 2009 it was reported: The proportion of modified loans delinquent by 30 days or more was 55% after six months, according to the Office of the Comptroller of the Currency and the Office of Thrift Supervision. Modified loans that were 30 or more days delinquent after three months stood at 37%, the agencies' data showed.

Borrowers facing hardship will typically fall into a modification (another way for Banks to make money) set by calculative procedures by the servicer. It is statistically shown, that the typical loan modification, is not working amongst those borrowers who have signed upon its terms.

Furthermore, the "negotiations" provided by "loan modification" companies, may not be nearly as effective as one may think, since the servicers are providing solutions based on recent legislative or governmental programs.

A loan audit and its supportive findings provides a common ground where all parties can understand such violations (Federal & State Law)) that are evident along with proposed observations of preliminary suspect whereby a valid motion or demand for further discovery presents itself with clarity. Position your clients in an offensive position to where proper remediation is scalable.

Our Company provides you with the evidence and support (specially evidence of FACTS) you can trust to help you or your legal advisor, seek better modification terms, restructuring of new terms, principal or rate reduction, or continued discovery. Some good litigators may get free & clear your property as well.

With the greatest potential to alleviate "normal modification" setbacks and re-occurrence of default, qualified and objective evidence helps simplify negotiations and stay using the information and support provided by Forensic Mortgage Investigation.