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

If you are having difficulty paying your mortgage-you have options. Especially if there may be proof that your 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 their principal reduced, switch their adjustable to a fixed rate loan or even have their payments lowered.

We are on you side and will fight to ensure that your rights have not been violated. 

To get started, please call Jim Beck
toll free at 888-374-0555.

Or

The process of getting your Forensic Mortgage Audit is very simple and requires very little work on your behalf other than supplying the loan documents that we will audit for you.

We will then return to you a 30 page comprehensive report and audit detailing any lender errors for you to use within 7 days.

There are consumer protection laws assisting homeowners fight against lenders who are trying to increase their payments or foreclose on their homes. With the help of FMA and your Forensic Mortgage Audit- you can increase the success of having your mortgage modified to a payment you can afford and a home you can keep.

FMA is not a mortgage modification company. We are a mortgage auditing service provider. After the mortgage audit, we will refer the client back to you or recommend a NALM member attorney or modification consultant to proceed with the modification

Mortgage Audit

Once you become a client of FMA, the first item we will request is a copy of your settlement package. This documentation will assist us in our initial investigation of your mortgage. Once a positive review is obtained, the next step will be for you to have us perform an initial forensic mortgage audit. This audit will investigate whether the information and calculations provided in your mortgage documentation was 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 you were told applied for. We look to see if any RESPA (Real Estate Settlement Procedures Act) or predatory lending violations occurred. Ultimately your modification hinges upon the audit reports pass or fail status. Once the audit is complete, if it reveals that these violations occurred, then we can proceed with a higher level of comfort that your modification will be approved.

The ultimate goal at this step is the ability to rescind the loan. This may entitle you to receive back all of the interest paid on the loan, your points and fees paid. The lender
may allow you to obtain a new loan with a reduced principal, reduced interest rate and switching your adjustable rate mortgage to a fixed rate one. Overall, this will allow you a more affordable mortgage and keep your home.

Why FMA Excel’s at Mortgage Audits?

Forensic Mortgage Auditors, Inc. is a nationally recognized leader in the fight against predatory lending and mortgage fraud. We help clients get their loan modified and prevent foreclosure.

We fight to ensure that our clients are not the victims of predatory lending or have to suffer the possibility of foreclosure. We will prepare them to be in the most optimal position to have their mortgage modified. As a result, our clients can feel assured they will not lose their home or do irreparable damage to their credit. They will end up with a modified mortgage that they can accept and afford.

Our goal at FMA is to assist our clients in obtaining a victory against their existing lender and keep their home with an affordable payment. Our staff of experienced loan auditors has over a decade in the legal, mortgage and related real estate industries and extension knowledge of the various programs available to clients. We also pride ourselves on working with several successful attorneys and mortgage modification companies who have an extensive working knowledge of consumer credit laws and federal programs to assist our clients.

Mortgage Modification Programs that you can request from your lender

• Switch your adjustable to a fixed rate mortgage
• Reduce your monthly payments
• Avoid bankruptcy
• Bring you late mortgage payments current
• Reduce your principal balance
• Avoid foreclosure

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