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

Options    Print this page    Bookmark page           At Forensic Mortgage Auditor's, we can also now perform Mortgage Securitization Audits in addition to   Full Commercial Audits and Full Property Appraisal Audits We are the only company that provides specific case law in addition to our Forensic Mortgage Audits to help with your clients foreclosure defense and loan modification!!

If you are currently working in, or thinking about entering the Loan Modification and Foreclosure Defense Market, then a Forensic Mortgage Audit through FMA can become your ticket to success! CLICK HERE    Please Sign Up For Our FREE  Industry Newsletter

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 on your mortgage loan to assist you in getting your loan modified and prevent foreclosure.

What is a Forensic Mortgage Audit and how can it help you?

A forensic Loan Document Audit is a comprehensive Investigation of the documentation in homeowners existing loan(s). We utilize special state and federal mortgage loan post compliance software, not some affiliate software sold over the internet, to calculate and identify violations, which complies the results into a detailed report. Not some do it yourself home program that is being sold all over the internet.

What laws does a forensic audit show have been violated?

• The Real Estate Settlement Procedures Act (RESPA) passed in 1968

• Truth in lending Act ( TILA ) passed in 1974

• HOEPA Act in conjunction with RESPA

• Predatory Lending Act

• Usury Act

• Rico Statutes

June 21st, 2010 - Actual data found in our last audit...... The Final Truth-in-lending Statement in the file was incorrect, as The Annual Percentage Rate (APR) was understated by .8630%. Also, the finance charges were understated by $207,705.96.  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.

We use the same software Lenders are required to use (but most did not) for all new loan originations, before closing, to determine that the loan is in compliance with all State and Federal laws.

Homeowners and attorneys looking to have a mortgage loan modified must first determine the reasons, if any, that a bank should consider modifying the loan. This is where FMA can help. Once you become a client of FMA, your first order of business will be to request a copy of your settlement package. This documentation will assist us in an initial review of your mortgage to see if a mortgage audit is warranted.

This 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 loan modification can be approved by providing lenders documentation of certain violations that have occurred on your existing loan. This information can be a potential bargaining chip for you to attain your desired result. 

If you are having difficulty paying your mortgage-you have options. Especially when there may be proof that their lending institution mislead or failed to disclose the terms of your loan properly.

 In many cases, clients who have hired FMA to perform a Forensic Mortgage Audit, have been able to:

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

FMA is not a mortgage modification company.

We are a Mortgage Auditing Service Provider.

You can also reach Jim Beck toll free at:

 888-374-0555

Or by email at

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