Many homeowners in the United States
today may have fallen
victim to fraudulent or predatory lending practices.

Homeowners and Attorneys helping them who
are looking to have their mortgage loan terms changed in any manner must first determine the reasons, if any, that a bank should help them.

This is where FMA can help.

Please watch the video to the right...We have been providing usable evidence in court to help homeowners ask the lender to "produce the note"
for over 4 years and we are provide the most comprehensive and legible report available anywhere!!


 

Options
   Print this page
   Bookmark page


 

January 11, 2012

Forensic Mortgage Auditors, inc is proud to announce we have been issued a certified copyright on all of our audits.

We are the only known forensic and Securitization audit firm company in the US to have this distinction.

What Does Forensic Mortgage Auditors, Inc Provide?

We are the only company that provides specific case law in addition to our Forensic Mortgage & Securitization Audits to help save borrowers from unscrupulous foreclosure proceedings!

Email Marketing
You Can Trust

 

 mortgage audit

 

If you are an Attorney currently working in, or thinking about entering the Foreclosure Defense Market, then a Forensic Mortgage & Securitization  Audit through FMA can become your ticket to success!  

 

Included with ALL our Audits.... 

We will provide you with an Industry best mortgage Audit AND as a special bonus for clients, we will also include a client Audit questionnaire as well as extensive case law for our legal professionals to be able to formulate their client's defense. 

We are the only company that provides specific case law to help you with your clients defense!!

 

FMA is not a mortgage modification company.

We are a wholesale mortgage auditing service provider.

 Ask about our industry leading

audit white label program

Today!!

 

 

 

 

 

 

 

 

 

Forensic Mortgage Auditors, Inc. is proud to announce we have been issued a Certified US Copyright on our Securitization Audits. Forensic Mortgage Auditors, Inc. is  the only known Forensic and Securitization Audit Firm in the United States to have this distinction.

Forensic Mortgage Auditors, Inc. is a nationally recognized leader in the fight against predatory lending and mortgage fraud. We help homeowners get the needed evidence of any malfeasance or legal title defects or imperfections.

At FMA, Inc. you will find an unparalleled customer-centric philosophy. We handle every mortgage audit report on a case by case basis. We strive to ensure that you receive the attention and treatment you expect and deserve. Simply put we are a results oriented  company who is determined to satisfy your needs, and exceed your expectations. 

 

When you are deciding which company to choose ask these questions, and then see how they stack up against Forensic Mortgage Auditors, Inc....

 

  1. How long have they been in business?
  2. How many audits have they performed?
  3. Do they back their findings?
  4. Do they offer an affidavit?
  5. Are they available for follow through questions with Attorneys?
  6. Will they answer questions on the particulars of your audit?
  7. Do they offer case law to support their findings?
  8. Have they updated this case law with the newest cases?
  9. Do they have a copyright?

FMA, Inc has now been auditing mortgages and mortgage loan documents for four plus years. We have performed over 3500 Forensic and Securitization audits.  We stand behind every fact we find, and we are willing to place this in a affidavit format, notarized, in order to prove it.

 

Forensic Mortgage Auditors, Inc. not only stands behind our work, but we encourage clients and lawyers who feel the information may be a little vague or not easy to understand to ask questions.  We also include the most current case law to back our facts!  



In many cases, clients who have hired FMA  to perform a Forensic Mortgage Audit, have been able to with the aide of a qualified Attorney:

  • Avoid foreclosure 
  • Have principal reduced 
  • Switch adjustable mortgages to a fixed rate loan 
  • ...and even have your payments lowered.  

We are on your side and will fight to ensure that your rights have not been violated. There are consumer protection laws assisting homeowners fight against lenders who are trying to increase their payments or foreclose on their homes.

 

What Can a Securitization Audit from 
Forensic Mortgage Auditor's, Inc. do for you?

Josh Rosner, a well respected financial analyst, issued a client advisory in October 2010, advising of widespread violations of pooling and servicing agreements on mortgages.

Mr. Rosner counseled that although PSA’s(Pooling & Servicing Agreement) require transfer of the promissory notes into the securitized trusts, that hardly ever occurred in the white hot run-up of securitized loans in the last decade. He also says that the mortgage assignments which must accompany each note are routinely ignored or left blank.  (This was the major problem in the Ibanez case).

Mr. Rosner stated:  “We believe nearly every single loan transferred was transferred to (securitized trusts) in “blank” name. That is to say the actual loans were apparently not, as of either the cut-off or closing dates, assigned to the (securitized trusts) as required by the PSA.”


Mr. Rosner also concludes in this chilling statement:

There have been a large numbers of foreclosure proceedings where, because of improper assignments, the trust has been unable to demonstrate the right to foreclose. It is thus that we raised concern about the transfer “in blank name.”

We do believe it likely the rush to move large volumes of loans may well have resulted in operational failures in the “true sale” process by some selling firms and trustees.

Were this “missing assignment” problem, which we are witnessing in individual foreclosure proceedings, to be found to have resulted from widespread failure of issuers and trusts to properly transfer rights there would be appear to be a strong legal basis for the calling into question Securitization.
(S
ource:  http://www.massrealestatelawblog.com/2011/01/08/apocalypse-now-will-the-massachusetts-ibanez-case-unravel-widespread-irregularities-in-the-residential-securitized-mortgage-market/)

We will use the same software Lenders are required to use (but most did not) for all new loan originations, before closing, to determine if the loan is in compliance with all State and Federal laws. In addition, our Auditors review and audit every provided closing document to check for violations and miscalculations.

We have performed over 3000 Forensic and Securitization Audits. We are extremely confident that our audits are the best in class, and you will not find a more thorough and accurate team of individuals committed to helping homeowners protect their rights.

The audit will investigate whether the information and calculations provided in your mortgage documentation were fully disclosed and in compliance with federal and state lending laws. We focus on the truth in lending document to ensure that your lender or broker properly disclosed to you the rate, term, fees and total repayment of the loan for which you applied. We also look to see if any RESPA (Real Estate Settlement Procedures Act) or predatory lending violations occurred.

Ultimately, any potential modification of your mortgage loan hinges upon the audit report's pass or fail status. Once the audit is complete, if it is revealed that violations occurred, then you can proceed with a higher level of comfort that your requests from your lender will be more closely watched because they know that if there is malfeasance presented they have additional responsibilities and liabilities.

 

January 3, 2012 - Actual data found in our last forensic mortgage audit we performed......

The Final Truth-in-lending Statement in the file was incorrect, asTheAnnual Percentage Rate (APR) was understated by 3.0730%. Also, the finance charges were understated by $404,004.08

Regulation Z which implements the TILA requires the APR to be accurate with a tolerance of .125% and the finance charges cannot be understated by more than $100

99% Of ALL Adjustable Rate Mortgages we audit
have MAJOR errors just like this.

 

 

You can also reach Jim Beck toll free at:

 888-374-0555

Or by email at

 

 

securitization audits - securitization audit reports - who owns my note- forensic mortgage audits, mortgage audits , forensic audits, Mortgage Modification, mortgage audit, mortgage auditing, Law Firm, Lawyer working in foreclosure defense -Mortgage Audit, mortgage auditing, foreclosure help -foreclosure prevention forensic mortgage audit - mortgage audit - forensic audit- loan audit - forensic loan- professional loan audit - mortgage audit- mortgage auditing- Law Firm- Lawyer working in modification- forensic mortgage audits- mortgage audits - forensic audits- loan mortgage- - mortgage loan audit- loan audits- mortgage - mortgage notes - loan notes - mortgage loan notes - fix my mortgage- help my foreclosure- foreclosure lawyer- foreclosure defense- loan lawyer- law firm - real etstate lawyer