Insurance Information Services

US HomeSavers

Loss Mitigation Mortgage Loan Audit

FOR OUR DISTRESSED HOMEOWNER SUBSCRIBERS ONLY! ONLY *$995.00 COMPLETE  *This Price Includes Legal Counseling or Loss Mitigation Services For A Single, First Mortgage. Additional Fees Apply For Junior Liens. Call Curt or Liz at 972-818-2500 in the Dallas calling area or 877-818-2500 toll free, nationwide service.               * Because of the low cost and high degree of personal service, we can only accept ten clients at any given time on a first come-first served basis.

 

 

Dear Distressed Homeowner,

 

Welcome to US HomeSavers Loss Mitigation Mortgage Loan Audit Services page. Our mission is to help homeowners whose house payments have become unmanageable. We understand that distressed homeowners need immediate help, and a permanent solution that is both proven and affordable.

 

 Getting a Forensic Mortgage Loan Audit may be the key to saving your home if you have an Alt-A or Sub-prime Loan. Don't stay in the dark. Save time, save money and save your home now. Please, take the time to read this lengthy tutorial page if you do nothing else to prevent your foreclosure. Consider getting a Forensic Loan (Compliance Violation) Audit today.

 

Why Should I Get A Forensic Mortgage Audit

 

Getting a Forensic Mortgage Loan Audit could result in the following:

 

• YOUR MORTGAGE MAY BE UNENFORCEABLE. GET YOUR MORTGAGE CANCELLED AND THE DEED SIGNED OVER TO YOU - FREE AND CLEAR.
• STAY IN YOUR HOME FOR UP TO TWO YEARS FREE. SAVE UP DURING LITIGATION OR PAY OTHER BILLS.
• COLLECT THREE TIMES YOUR LOAN AMOUNT AS DAMAGES PLUS ATTORNEYS FEES AND COURT COSTS
• OVERCHARGED IN CLOSING COSTS? GET ILLEGAL CLOSING COSTS REFUNDED.
• PREDATORY LOAN OR BAIT AND SWITCHED AT CLOSING? GET INTEREST PAYMENTS REDFUNDED FROM DAY ONE.
• MINOR VIOLATIONS IN YOUR CLOSING DOCUMENTS? USE TO EXTINGUISH YOUR ARM LOAN AND RENEGOTIATE INTO A LOWER, FIXED INTEREST RATE LOAN WITH AFFORDABLE PAYMENTS.
• FORCE YOUR LENDER TO MODIFY YOUR LOAN.
• CONTINGENCY BASED ATTORNEYS AVAILABLE FOR SERIOUSLY FLAWED MORTGAGE TRANSACTIONS.

Lets be realistic here; not every mortgage loan has serious enough viloations to warrant the above remedies. On the other hand, wouldn't you like to know that if you were a victim of Predatory Lending or you were baited and switched at the closing table. Your closing documents could be missing important  federally mandated disclosures. All of these violations have serious penalties to the parties involved in your mortgage loan transaction and you could finally get the justice and the loan you deserve for only $995.00 - no tricks, no gimmicks. Only US HomeSavers gives you the choice to litigate or mitigate.

 

APPLY HERE FREE ON OUR SECURE REGISTRATION PAGE

 

 How Are Compliance Violations Handled?

"You may have the right to sue a lender for violations of these new requirements. In a successful suit, you may be able to recover statutory and actual damages, court costs and attorney's fees. In addition, a violation of the high-rate, high-fee requirements of the TILA may enable you to rescind (or cancel) the loan for up to three years."              Source: FTC Website

Our Audit covers all Federal, State, County and Municpal laws and regulations and if a lawsuit is warranted, we can provide or refer you to an attorney who will take your case on contingency. If not, we wll mitigate your foreclosure at no additional charge, You see, loan Modifications are the best solution for you and your lender or servicer but are difficult if not impossible for homeowners to negotiate on their own. You will have to make and little effort but otherwise, you have no reason to lose your home. We promise.

 

Everyone must complete our formal application process. You must provide evidence to your lender that you have a legitimate hardship and that you can or cannot afford your home. This is true whether you want to keep your home or sell as a pre-foreclosure to avoid being foreclosed upon.

 

A Forensic Loan Audit is critical ingredient to convincing your lender to give you a new loan that you can afford!

 

We help our clients save their homes and obtain the most favorable loan modifications or affordable repayment plans available. We do this by providing a unique pre-qulifying application and a Forensic Loan Audit.

 

A Mortgage Loan Audit? Why Do I Need a Forensic Loan Audit? A Forensic Loan Audit identifies infractions and violations committed by your lender and/or broker when they originated and funded your loan. Your current loan servicer is also, most likely, violating the Fair Debt Collection Practices Act.

 

To a large extent, these violations are the LEVERAGE used to negotiate your case with your lender. Generally, the more violations, and the higher their severity, the better chance you have of obtaining a loan modification.

 

A Forensic Loan Audit is the FIRST STEP in obtaining a home loan modification, or commencing any type of litigation or mitigation when fighting foreclosure. You MUST obtain a Forensic Loan audit to determine what laws were broken, if any, by your broker or by your lender. Without an audit, finding an attorney to take your case on contingency is impossible. Litigation can cost tens of thousands of dollars in discovery alone. Here’s the kicker: If you audit does not warrant legal action or if you choose not to litigate, we will use your audit to mitigate your foreclosure situation at no additional charge. Litigate or mitigate? Either way, you win.

 

APPLY HERE FREE ON OUR SECURE REGISTRATION PAGE

 

BEFORE YOU EVEN CONSIDER FILING FOR BANKRUPTCY OR HIRING AN ATTORNEY, order and receive your Forensic Loan Audit from U.S. HomeSavers and become an informed consumer negotiating from a position of strength and knowledge, then, carefully, choose the solution for you:               Litigate or Mitigate!

 

The Hard Facts

 

These are very hard times and you are not alone. Millions of homeowners are living paycheck to paycheck, or simply do not have enough income to pay their bills. The drop in the housing market, the record high prices on gasoline, and record consumer debt have left many homeowners in the scary situation of not being able to pay their mortgage and other bills.

 

The important thing to remember is, you are not alone. Luckily there are many laws to protect you. But first, let's first cover some background so you know more about the situation.

 

Loss Mitigation Guidelines (sometimes wrongfully lumped-in and called Loan Modifications) were established by the Federal Government and the credit industry in order to help borrowers who can't pay their debts for a variety of reasons.

 

The key goal of Loss Mitigation/Loan Modification is to stop home foreclosures. Foreclosures help no one (not even the bank), and they have a serious negative effect on the economy--especially the local economy-- foreclosure leaves homes abandoned, prone to squatters and saps value from the surrounding neighborhood.

 

APPLY HERE FREE ON OUR SECURE REGISTRATION PAGE

 

Here are the key elements of what you need to know regarding stopping or preventing foreclosure:

 

 

Loan Modification Benefits:

 

 1. Mortgages CAN be renegotiated between the borrower and lender under certain circumstances. Those circumstances include inability by the borrower to pay, or the fact that the loan violates federal law. The process of renegotiating a loan is called Loan Modification. 

 

 

• The rate can be lowered, resulting in a lower payment;
• The term can be lengthened, resulting in lower payments;
• Payments currently due now can be amended to the end of the term; Or, best of all,
• The loan balance can be reduced, so that the borrower owes only a fraction of what he/she originally borrowed.

2. Many loans funded during the "boom" years of 2002-2006 were performed with legal violations. Although only a fraction of the loans were funded with blatant disregard for the law, the majority of loans have significant violations resulting from carelessness, greed or just innocent oversight by the lender and/or broker. However, no matter why these violations were performed by the lender, these violations carry EXTREMELY stiff financial penalties for the lender, and can  result in SERIOUS legal consequences to the lender, such as forcing the lender to refund all interest paid to date back to the borrower.

 

3. Loans with illegal terms or conditions are not enforceable. Foreclosures resulting from illegal loans are also not enforceable. The foreclosure process is STOPPED when litigation on a questionable loan begins. Mortgage payments are NOT required during the foreclosure or litigation process, although depositing the mortgage payment into a separate bank account is often considered a gesture of good will. In other words, you could be socking back your mortgage payments for a long, long time which will put 10’s of $1,000’s of dollars back in your pocket or pay down some other debts. Do you get it? You can get a new start in life.

 

4. Lenders will choose the most rational and fiscally sensible response when presented with the legal facts. When facing their legal options: modifying your loan, foreclosing your home, paying some high-priced attorneys to litigate, or risk stiff federal fines and penalties, many lenders will choose Loan Modification as the most financially sensible option.

 

Understand that in order to take the high road position, YOU MUST KNOW WHAT VIOLATIONS WHERE PERFORMED BY THE LENDER.

 

This is the key to obtaining a favorable outcome during the Loan Modification process. This leverage will help you or us argue your case in favor of having your loan modified.

 

What you need to do:  Get a Forensic Loan Audit performed on your loan documents.

 

After performing a thorough assessment of your personal finances and analyzing the original paperwork, legal documentation and disclosures associated with the loan, the Forensic Loan Audit will document what laws were broken by the lender and/or broker during the loan process. The Forensic Loan Audit will determine if the loan is even legal.

 

From this perspective, you may opt to attempt to modify the loan yourself (not highly recommended) or hire a professional attorney to get you the best possible solution to your home foreclosure problem. 

 

The solution begins with a Forensic Loan Audit.

 APPLY HERE FREE ON OUR SECURE REGISTRATION PAGE

 A comprehensive Forensic Loan Audit is the key to obtaining a beneficial, long-term solution (such as a loan modification) because the audit identifies violations made by your lender. Because of our experience and computerized loan auditing technology, National Loan Auditors performs the most complete Forensic Loan Audit available.

 

In the past few years, a great number of loans were performed with errors, omissions, legal violations and just plain fraud.  To a large degree, these violations are the leverage used to obtain a loan modification.  Generally speaking, the more violations on your loan (and the greater their severity), the better your chance of obtaining a loan modification.

 

US HomeSavers is the ONLY Loss Mitigation Service Company that will deliver a comprehensive, printed, technology-driven loan audit. You decide, based on clear, concise information whether to hire an attorney, a loss mitigator or – if you have the negotiating skills, negotiate your own loss mitigation solution.

 

We are also the only firm that provides: A color-coded Violation Severity Alert (VSA) - Escalating through green, orange and red, the VSA appears red for loans which have the greatest number and severity of violations and these loans often have the best chances for a loan modification. VSA makes it easy to determine your chances for a successful loan modification. 

 

A 20-Minute phone consultation and advisory session with an attorney or negotiator. Unlike other firms, which may give you a printed report, or leave you out in the cold wondering what do next, our exclusive one-on-one consultation process makes it easy to determine your next step in the loan modification process. Just ask your attorney or loss mitigator and they will be happy to answer your questions and provide advice.

 

Who Needs A Forensic Loan Audit?

 

Consumers - Homeowners having trouble paying their home mortgage, victims of bait and switch tactics or predatory lending.

 

Attorneys - Subcontract your audits to us. Our technology and fast turnaround will make your job easier.

 

As a Homeowner, What Are Your Options?

 These are financially troubling times for many homeowners and lenders are being inundated with tens of thousands of requests to grant loan modifications, lower interest rates, and reduce outstanding balances.

 

Keep in mind that, while lenders are well equipped to lend and service your loan, they are not prepared or staffed to perform modifications or workouts. Moreover, they probably do not even own your mortgage. Most likely, their hands are contractually and legally bound by the Wall Street investors to whom they sold your loan.

 

In most cases, even if your lender wanted to enter into a loan modification with you, they couldn't...because they no longer own the mortgage or make decisions regarding your loan. Rather, they have to present their case to the entity that currently owns your loan: Wall Street investors, banks and insurance companies. 

 

So ponder this for a moment: you (and millions of other homeowners) are individually asking these big faceless Wall Street firms to take on financial losses because of individual personal reasons: you lost your job, your home dropped in value, you had a financial setback, or you entered into a bad loan situation. The bottom line is this: no matter how badly you need it, no matter how important your reason, no matter how legitimate your request, Wall Street sees only numbers.

 

And because Wall Street sees only numbers, not reasons, excuses or explanations,  they simply don't care.  In fact, they don't have to; they are not a charity, they are a business whose main goal is to profit from real estate investments. 

 

So, for many lenders it is an easier path to proceed with foreclose and take the homes back, as outlined in their sale agreements with Wall Street investors, as opposed to exploring alternative options with individual homeowners.

 

The lenders, Wall Street, and our Government can not move fast enough for you--the homeowner--to avoid losing your home or ruining your credit!

 

But do not despair. There is help!

 

The best way to approach your lender, is to be armed with accurate information.

 

After all, this is the same approach used by the lenders themselves: they seek only to enforce their legal contract with you. They lent you money to purchase or to refinance your real estate. Now they want their monthly payments or they want the asset back...your home. It's that simple!

 

In this mortgage meltdown market, lenders focus on keeping financial losses to a minimum. This is often best accomplished by keeping a borrower in the home. Keeping payments coming in, even reduced ones, is always better than the prospects of foreclosure, where lenders see no regular income. Thus, the goals of our clients often meet those of the lenders.

 

Now, while it would then seem easy for borrowers and lenders to come to agreements, reaching the right person at the lenders' offices who can make decisions, is often very difficult. The benefit of using US HomeSavers, is that we are able to touch the right people with the right message.

 

Your attorney or loss mitigator will negotiate directly with the people who actually make decisions regarding your loan, and will facilitate the most logical and beneficial outcome. We save our clients' valuable time, so they don't have to waste time on the phone, or writing letters. This usually results in a positive outcome for not only our client, the homeowner, but also for the lender. That is what loss mitigation is all about.

 

If negotiations fail, and our client has valid complaints against the lender, we file suit in court. This action immediately gets the lenders undivided attention, and puts us in a position to be heard.

 

Fortunately, the big lenders hire "Big Name" experienced law firms who understand mortgage laws very well. These seasoned attorneys do not usually hesitate to settle when faced with facts against their client. Thus, many cases will settle before trial, which means less hassle for our client and for the lender.

 

All of our loan audits follow these guiding queries:

 

Did the lender provide a good loan? 

 

Did they qualify you for a loan that you could not afford?

 

When underwriting your loan, did they "stretch" their guidelines?

 

Did they discriminate against you because of your race or color or religious beliefs?

 

Did they tell you one thing, but delivered something different at the closing?

 

Did they comply with all States and Federal Laws?

 

Did they provide the correct documentation to you at the proper times? Was it filled out correctly? And did you understand what was being provided?

 

The best way to get your lender to listen to you is by presenting  facts to them, along with proof that they committed errors in originating, underwriting, approving, and funding your loan.

 

Lenders and Wall Street investors do not want a legal battle on their hands, and will likely allow a loan modification to take place, if it is truly based on legal facts.

 

Armed with very expensive attorneys, lenders know it is cheaper to modify your loan instead of spending as much as $650.00 per hour to litigate.

 

Get the facts! Get your Forensic Loan Audit done. Know your Violation Severity Alert (VSA) level, speak with an attorney or loss mitigator, and fully understand what you must do to save your home, so you can start rebuilding your life!

 

Order your Forensic Loan Audit Now!

 

At US HomeSavers, we order a complete Forensic Audit in accordance with specific state laws and statutes.

 

From the Audit, you will find out if you have been deceived in any way by the Lender, Title Company, your Broker, and your Realtor. You will also be apprised of  and/or your Lender has committed any state or federal loan violations.  

 

Our Team of Loan Compliance Auditors and Association Members are seasoned professionals with specific expertise in state and federal laws, mortgage compliance and underwriting. We offer loss mitigation services nationwide and have done so for nearly six years without a single complaint. We deliver for more than we promise.

 

Our compliance experts have performed thousands of audits nationwide. Our personnel have earned the respect of the world’s largest banks, Wall Street investors, attorney's, and regulatory groups. We have the experience and leverage you need to obtain a favorable outcome.

 

What Do You Receive When You Purchase Your Forensic Loan Audit? 

 

Our Forensic Audit Process will determine if Your Mortgage Lender has acted in Compliance with RESPA, TILA, and Local, State and Federal Regulatory Lending Guidelines.

 

The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. RESPA requires that borrowers receive certain disclosures, spelling out the costs associated with the settlement. Other Disclosures outline lender servicing and escrow account practices and describe business relationships between Lenders and settlement service providers.

 

The Truth in Lending Act (TILA) was first passed in 1968. The law is designed to protect consumers in credit transactions by requiring clear disclosure of key terms of the lending arrangement and all costs.

 

After your Audit is completed, we will review the findings and if there are any serious issues or illegalities that have been found, they will be outlined in the report. Our affiliate attorney's may also choose to write a letter of opinion for you along with a proper course of action that should be followed.

 

At your option the mitigation or modification process will begin, and the attorney will work with your lender, or lenders, to restructure your current loan (s) by providing both a legal opinion, and a professional course of action, they will attempt to formulate a plan that you and your lender can accept.

 

We fully understand that you have a serious problem and only a short time to overcome the real possibility of losing your property, so time is of the essence.

 

We are a group comprised of experienced compliance auditors, financial professionals who work with attorneys in each State, that understand Real Estate law, compliance, and that federal rules and lender foreclosure policies often conflict.

 

Few people outside the banking world have the knowledge to work with your current lender to restructure your loan.

 

Why Should I use US HomeSavers?

 

In addition to providing the most comprehensive Forensic Loan Audits available anywhere, US HomeSavers can also provide the expertise of a group of Real Estate professionals including mortgage, real estate, and bankruptcy lawyers if needed. 

 

Our Loss Mitigators work diligently help our clients get a loan modification, protect our client's credit, avoid foreclosure, stop foreclosure, and, when there is no other choice, sell the property as a pre-foreclosure. Clients may elect to file bankruptcy as a final tactic to stall a foreclosure sale. Bankruptcy is a tactic, not a solution. 

 

Call us today for immediate assistance with any of the following: forensic loan audits, loan modification, short sales, mortgage rate reductions, stopping foreclosure, avoiding foreclosure and (if absolutely necessary) bankruptcy solutions.

 

No company knows more about how Lenders and Wall Street investors operate than US HomeSavers. The more time you give us to prepare a Forensic Loan Audit and then we can refer to a local attorney or a professional loss mitigator who can negotiate with your lender, the better chance we'll have of obtaining a favorable outcome for you.

 

Fortunately, many lenders have the goal of keeping their financial losses to a minimum! If you are currently having trouble paying your mortgage, or you anticipate having trouble--no matter what the severity!--do not delay.

 

APPLY TODAY OR CALL ME FOR MORE DETAILS

 

 Curt Pifer

 www.ushomesavers.com

 972-818-2500

  TOLL FREE 877-818-2500

 

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