Services

HOMEOWNER REFUNDS! If you have already financed or refinanced your Home, our Experts will conduct a thorough “Loan Review of your Mortgage Documents”. In our detailed review process, we look for Excessive Fees and Improper Charges by your Lender. We also look for Deceptive Abusive Predatory Lending Practices, Excessive Prepayment Penalties, Tangible Benefits to the Borrower, Affordability to the Borrower, Home Mortgage Disclosure Act (HMDA) Data, Broker Fee Agreements, and State and Federal Disclosure Accuracy. In our detail process we also check and verify if all Fees listed on the Final Real Estate Settlement Procedures Act (RESPA) and (Final HUD-1) Settlement Statement were properly disclosed on a Good Faith Estimate to the Borrower. We also review Loan Pricing, Types of Loan Programs, Fair Lending and Compensation Paid to Brokers from Lenders called Yield Spread Premiums. We also look for Loan Flipping, Equity Striping, Fee Packing and Steering.

Once we determine that you may have been a Victim of Deceptive Lending Practices or any other type of Mortgage Compliance Issue stated above, we will send an official written request to your Lender, on your behalf.

We will first attempt to settle the Loan Issue/Documented Dispute with the Lender prior to filing complaint(s) with any agency and inform the Lender of the Issues we have found in our detailed “Mortgage Loan Document Review”.

Most Lenders will have little choice but to settle immediately, once they review the documented report we send them, breaking down our Expert Findings.
 
In the event, the Lender fails to respond to our official written request within 20 days of our notice or fails to settle within a 60 day time period, we will then file Complaints on your behalf with the proper Local, State and Federal Regulatory Agencies.

Please CLICK HERE for information on How to Start the Review Process.

Call Today! 800-529-7184
Our Experts will Help You - Get a Refund of your “Hard Earned Dollars”.