Businessman examining financial documents with magnifying glass for audit analysis

Expert Loan Auditing

Forensic Loan Audits
& Securitization Experts

We audit every document in your loan file—the 1003 application, note, deed of trust, assignment of deed of trust, notice of default, notice of trustee sale, and more—to build a case to dispute your default and hold banks accountable for taking advantage of homeowners.

5,000+

Audits Completed

$500M+

Improper Charges Found

98%

Violation Detection

All 50

States Served

Request Loan Audit Call (213) 536-9372

Forensic Analysis

Securitization Review

Legal-Ready Reports

Our Audit Services

We Audit Every Document
To Build Your Case

From your 1003 application to your notice of trustee sale, we examine every document in your loan file. Every signature, every date, every clause is scrutinized for errors, fraud, and violations that can help you dispute your default and hold banks accountable.

Forensic Loan Audit

Comprehensive examination of your entire loan file—from origination to present—identifying every violation, error, and improper charge by your lender.

Document analysis
Fee examination
Violation identification

Securitization Audit

Banks sell mortgages to investors through securitization. We trace your note through the trust, examining chain of title, assignments, andPooling and Service Agreements.

Chain of title tracing
Trust compliance
PSA review

Chain of Title Analysis

Who really owns your mortgage? We trace the complete ownership history of your note and deed of trust from origination to present day.

Note endorsement tracing
Assignment review
MERS analysis

Escrow Analysis

Lenders make millions in escrow overcharges. We analyze your escrow account for overcharges, calculation errors, and improper disbursements.

Payment analysis
Disbursement review
Overcharge calculation

HOEPA / TILA Analysis

High-cost home loans must meet strict federal requirements. We analyze whether your lender violated Truth in Lending Act and Home Ownership Equity Protection Act.

APR analysis
Fee disclosure review
Prepayment penalty check

RESPA Analysis

The Real Estate Settlement Procedures Act protects borrowers. We identify RESPA violations including kickbacks, unearned fees, and servicing abuses.

GFE review
HUD-1 analysis
Servicer violations

Documents We Audit

Every Document.
Every Signature. Every Detail.

Banks hope you never look closely at your loan documents. That's exactly what we do. We examine every piece of paper in your loan file to find violations, errors, and evidence that can help you fight back.

1003 Application

Verify income, employment, and asset disclosures match documentation

Note / Promissory Note

Check interest rates, terms, prepayment penalties, and signatures

Deed of Trust

Verify property description, parties, and trust clauses

Assignment of Deed

Trace ownership transfer from lender to servicer to trust

GFE / HUD-1

Examine settlement statements for improper fees and charges

Notice of Default

Verify proper notice procedures and calculate reinstatement amounts

Notice of Trustee Sale

Check timing, notices, and procedural compliance

Pooling & Service Agreement

Verify if loan was properly transferred into securitization trust

Banks Count on You Not Reading These Documents

Every document has legal requirements, timelines, and proper procedures. When banks skip steps, make errors, or violate laws—they hope you never notice. Our forensic audits expose every violation so you can fight back.

What We Find

Common Lender Violations
Uncovered in Our Audits

Banks and lenders make mistakes—and sometimes they intentionally violate laws. Our forensic audits routinely find these issues that can be used to challenge your default status.

Excessive Late Fees

Lenders often charge excessive late fees beyond what state law allows—sometimes 4-5% when state caps are 2-3%.

Usurious Interest Rates

Some lenders charge interest rates that exceed usury laws, especially on second mortgages and payday-style loans.

Improper Insurance/PMI Charges

Forced placed insurance, excessive PMI premiums, and improper escrow charges for insurance you don't need.

Payment Application Errors

Servicers misapply payments, create suspense accounts improperly, and charge fees for their own errors.

Lost or Missing Note

If the original note is lost or improperly transferred, the lender may not have legal standing to foreclose.

Dual Tracking Violations

Lenders pursuing foreclosure while a loan modification is under review violate federal law.

Statute of Limitations

The statute of limitations to foreclose may have passed, especially on older loans or after bankruptcy discharge.

Servicer Errors & Abuse

Failure to respond to disputes, improper denial of modification, and failure to post payments properly.

Dispute Resolution

Using Your Audit
To Fight Back

Our audits produce legally-documented evidence that can be used in disputes, litigation, and negotiations with your lender.

Dispute Letters

We draft formal dispute letters citing each violation, forcing lenders to respond and potentially waive improper charges.

Litigation Support

Our reports are court-admissible and can be used as expert evidence in foreclosure defense and other legal proceedings.

Negotiation Leverage

Armed with evidence of lender violations, you have powerful leverage for loan modifications and favorable settlements.

Banks Took Advantage of You.
Now Fight Back.

Every document, every signature, every clause—we audit it all to build your case. Hold banks accountable for their violations and get the justice you deserve.