Our approach is different than any other firm.

With recent changes in the law, attorneys and modification companies cannot afford to perform these important processes. Unfortunately they have to take serious shortcuts in order to save time and money. These shortcuts will affect your ability to keep your home.

We use only experienced compliance auditors and top paralegal experts, to provide a comprehensive service that will properly prepare your case file for any attorney to use when working with your lender or to prepare for litigation.

A Forensic Loan Audit identifies infractions and violations committed by your lender and/or broker when they originally created and funded your loan. To a large extent, these violations are the LEVERAGE used to argue your case against your lender. Generally, the more violations, and the higher their severity, the better chance you have of obtaining positive results with your attorney.

The Forensic Loan Audit is the FIRST STEP you should take to properly prepare for any type of litigation or any type of solution when dealing with your lender. Audits are used as a valuable tool to get your file to the top of the lenders pile and to get your case noticed and heard.

With millions of homeowners requesting real financial solutions from their lenders, it is virtually impossible to get your case file noticed, and getting a solution is almost nonexistent.

Today, you need every tool, every amount of leverage possible, along with an experienced attorney to take your case and negotiate a real solution that keeps you in your home.

Why Acting "NOW" Is Important

There are two keys to a successful residential or commercial loan work out.

The first is to be proactive - if there is a problem on the horizon, you may risk losing your home or your business unless you seek immediate help.

The second is to engage the services of an experienced attorney. Attention to detail is vital in any residential or commercial work out process and the legal team you choose, must be ready to provide the services and expertise you need.

Why Commercial Loan Audits Are Also Used

Commercial Loan Audits are used for commercial real estate (retail stores, shopping centers, office buildings, etc.) Attorneys utilize our audit and paralegal services to prepare their case to present to a lender or to start the litigation process. Attorneys when successful, can permanently change the mortgage terms of the original agreement made between the owner and mortgage holder.

When faced with litigation, bankruptcy, or legal representation, most lenders are willing to negotiate a loan work out solution, such as: reducing interest rates, extending the loan terms, allowing interest-only payments for a fixed period, deferring past due balances, and in some cases even lowering the commercial loan balance.

How Attorneys Use Loan Audits

Residential and Commercial Loan Audits, are typically ordered and reviewed by attorneys who will need to review a completed case file on a subject property. The case file and all supporting documents will be reviewed to determine if a Client's loan has potential to receive a successful modification or loan work out solution. If an attorney determines that a strong and compelling case can be built, the attorney will engage the lender to begin the negotiation process and will work diligently towards obtaining a loan work out solution from the lender.

our goal is to help Clients properly prepare for the attorney to represent their case, allowing owners to keep their home, building, apartment complex, or business operations afloat.