The goal of our forensic loan audits is to identify violations of lending and contract law, as well as fraud and other violations, to empower homeowners and attorneys to obtain relief.
The forensic loan analyses we do are very thorough and take a considerable amount of time and resources. We look at the story of what happened, relationships between parties involved, property history, property values, appraisals, title, escrow, loan documentation, sales contracts, advertising material, disclosures, foreclosure paperwork, recorded documents, income documents, past lending guidelines, licensing, other lawsuits that may be related, timelines, and lending law. We understand that a high quality and thorough analysis is what is needed to truly understand the situation.
Most homeowners and attorneys take it from there and seek relief, and relief is most commonly found out of court. For the remaining few that need to go to trial, we can provide litigation support as well to attorneys as needed.
The advantage of having the initial review and groundwork performed by Rateswire.com is immense. Not only do we have experience with mortgage lawsuits, different lenders, lending guidelines, and lending practices, we are tenacious in our search for sources of relief to homeowhers. We go beyond the who, what, and when to find out how predatory acts fit together in relation to each other so the overall picture of what happened emerges. A lot of auditors are just producing a yes/no checklist of statutory failings within a few documents, which rarely identifies the true sources of damages . We work to find everything we can to empower a homeowner or attorney to find relief.