What mortgage companies don't want you to know!

Mortgage Assessment Services:



• In-depth FORENSIC LOAN INVESTIGATION of whether your mortgage loan was originated with material misrepresentations; complies with Real Estate Settlement Procedures, Truth in Lending Act, Home Ownership and Equity Protection Act, Equal Credit Opportunity Act, and certain other applicable statutes and guidelines (“Forensic Loan Audit”)



• Systematic review and quantitative analysis of financial data, including paying habits or history, earnings and savings information, financial records, debts, accounts payable, assets and purchase activities (“FINANCIAL AUDIT”). After the data has been gathered, a personal financial analyst evaluates the data and recommends a course of action for the Member.



Forensic Loan Analysis


If you're trying for a modification or facing foreclosure, or think you soon may be, there exists a little known yet extremely valuable tool to keep the lenders at bay, known as a Forensic Loan Analysis. When getting your mortgage, you placed your trust into the professional guiding you through the complicated loan process, but what if they were negligent?



Are you a victim of predatory lending? Have you been placed into a mortgage you simply cannot afford? A Forensic Loan Analysis could help get you out of a bad loan legally by thoroughly examining your loan for fraud and violations in the Truth in Lending Act and the Real Estate Settlements and Procedures Act. By performing a loan document audit, an attorney can persuade the lender to act in your favor when seeking to modify your loan to prevent foreclosure, or to simply lower monthly terms.



When a Forensic Loan Analysis is performed, an attorney will search for any unlawful miscalculations performed by the lender or other parties associated with the loan. If the loan does not meet the necessities of the appropriate federal statues, it is not enforceable, hence the importance of a meticulous analysis. The lender does not want to risk costly proceedings, and would rather work with homeowners to fix the situation. The borrower may sway a lender to act in their favor on behalf of a loan modification, they may even be granted reprieve from the predatory loan if violations are discovered. Not only does this mean you may be entitled to keep your home, you may also be awarded damages.



There are several things to look for in a good loan document audit. It should audit and reveal all violations contained in your loan relating to the Truth in Lending Act, Real Estate Settlement & Procedures Act, as well as a reverse engineering of your Annual Percentage Rate and loan terms.



A proper Forensic Loan Analysis will check for constructive fraud, such as the failure to disclose pertinent material facts, such as the loan terms or presence of a prepayment penalty. Any misrepresentations, either negligent or fraud, will be noted, as will a breach of contract which the lender failed to comply with. The completed audit should reveal all facts and federal law violations discovered, as well as the actual terms of your loan, hidden/excessive commissions and/or fees taken by your lender.

As you can see, a Forensic Loan Analysis should be the first thing you do when you are facing mortgage troubles. If you feel you cannot stay current with your loan, or have already defaulted, seek out a highly respected legal membership plan. Your attorney can advise you, based on the findings of your audit, the best way to proceed.



You may be able to persuade or demand a lender into a loan modification, stop a foreclosure, or even completely break free from a bad loan, as well as receive compensation for legal fees, loan term renegotiation and interest to be paid. Realize that when you have performed a loan audit, the ball is in your court. Lenders do not want messy litigation, so harness the power of a Forensic Loan Analysis to bring your mortgage situation back into your control.



Call for a free consultation 1-888-841-5366 ext 8021 or

Save your home!

*Have a network attorney representing you against the foreclosure lender

*Forensic loan audit included ($1000 Value)

*May get reduction in principal to current market value

*Stay in your home

*Small chance you could get your home free and clear

*Loan mods don't work, short sales only hurt you

We, at Personal Financial Services of America, have watched too many people lose their homes in this troubled real estate economy. Finally, we said enough is enough and decided to act. We have gathered some of the finest and most experienced Foreclosure Defense Attorneys together under one affordable plan. We have taken the pre-paid legal defense model to the next level; by offering the best possible foreclosure defense to everyone who is in threat of losing their most prized possession, the roof over their family's heads.

The concept is simple, by grouping together the most exclusive Foreclosure Defense Attorneys in America and introducing them to a wide range of potential clients we are able to introduce affordable monthly rates. Why should only the wealthy have access to this attorney base?

Stay in your home - Have a strong legal team fighting for your rights! Foreclosure defense made easy and affordable through top network attorneys at a fraction of the cost - no huge retainer fee - Free consultation.

Call for a free consultation 1-888-841-5366 ext 8021