Mortgage Loan Forensic Audit

A Forensic Loan Audit is the process of investigating and scrutinizing all documentation pertaining to your loan at the time of origination. Mortgage Compliance Investigations analyzes all the information and cogently put that information into a report that can be used as supporting evidence by your legal counsel in an action against your lender.

When Mortgage Compliance Investigations loan auditors dissect originating documents we look first to the state and federal laws protecting homeowners. Your current loan can reveal TILA, RESPA, HOEPA, and FDCP violations, and other applicable underwriting standards. The law pertaining to mortgage lending is very comprehensive and there are laws to protect homeowners’ from becoming victims of predatory lending.

Reviewing every document that was presented to you at the closing of your home loan has the potential to reveal multiple violations such as:

  • Truth in Lending Act
  • Real Estate Settlement Procedures Act
  • Home Ownership Equity Protection Act
  • Fair Debt Collection Practices
  • Broker Licensing
  • Loan Transaction Documentation
  • Proper Calculation of APR and Finance Charges
  • Underwriting Standards
  • Predatory Loan Indicators