How it works

You will get a full consultation with mortgage professional. Then a formal request is made to your lender to produce the original mortgage documents. Copies of the Mortgage, Note, Truth in Lending disclosures and all other pertinent information must be produced within a reasonable amount of time.

A full audit of the file is conducted by licensed mortgage professionals if necessary.

If any inconsistencies arise, they can be considered violations of Real Estate Settlement and Procedures Act (RESPA) or Truth in Lending (TIL) agreement.

Any violations will be used as leverage with your bank to negotiate the best terms.  

If no violations are found, No Problem.  

Both the government bailout plan and the recent stimulus package have specific guidelines encouraging your bank to work with you.  You put our attorneys and licensed mortgage professionals to negotiate on your behalf.

Have you decided you can no longer afford your home?

Did you know when you leave your property to the bank, they can file a deficit judgment against you?  Did you know that a judgment can result in your wages being garnished?