ATTORNEYS

Our forensic loan analysis will enhance the ability of Attorneys seeking to obtain mortgage relief for their clients. Faced with a report that exposes violations, many lenders will choose to modify the borrower's loan, rather than the alternatives of foreclosure, litigation and possible federal fines. Under such circumstances, loan modification is the most economical choice.

Unlike most other auditing firms we don’t limit our work to TILA and RESPA violations because in order to achieve the best possible outcome for your client you must provide as much factual information as evidence that the broker and/or lender were at fault. Although the TILA’s right of rescission is one of the most powerful tools when defending a foreclosure suit in a judicial state, since most borrowers are unable to tender the principal amount as required by this statute, ability to rescind under the TILA is extremely rare and improbable.

We examine evidence relating to each event surrounding the transaction such as the marketing material sent to borrower, initial interview with loan officer, preliminary federal and state disclosures, broker fee agreement disclosing YSP, appraisal report and the final settlement in addition to evaluating borrowers ability to repay the loan in light of industry practices and accepted guidelines.

Over reaching mortgage transactions can at times be challenged under state unfair and deceptive acts and practices (UDAP) law. Broker misconduct and yield spread premium, without proper disclosure, may violate a UDAP statute. Transactions with lenders and/or brokers who are not licensed, but should be, may be void. It may be a UDAP violation for a lender to do business with an unlicensed broker. Most UDAP statutes provide for some combination of actual damages, statutory damages, multiple damages, attorney fees and costs, and some states, punitive damages.

Under HUD’s two part test, even if disclosed, we may still be able to challenge the YSP paid to broker outside of closing, which resulted in a higher rate for the borrower.

Give us a call for more details on how we can help you to help others.


INTEGRITY FIRST GROUP RESELLER PROGRAM (IFGRP)

If you are interested in becoming a marketing partner or an online marketing reseller with IFG, we want to speak with you right away!

We are one of the nation's premier Forensic Audit & Loan Document Review firms providing a quality product designed to assist homeowners when negotiating a loan modification or facing foreclosure. We are interested in working with individuals or companies who can help us grow by participating in one of several affiliate programs we are currently offering.

The IFGRP is a great fit for:

• Loan Modification companies
• Mortgage companies
• Real Estate agents
• Accountants
• Web Design Companies
• Internet Marketing Companies
• Advertising Agencies
• Direct Marketing Companies
• Web Hosting Companies