FLD Securitization Audit Quick Links
FLD Securitization Audit
Report Services
Forensic Lender Discovery (FLD) a/k/a Securitization Audits. Our investigations center on what happened after the loan closed. We follow the sales and money to discover flaws and defects in the lender's evidence submitted as the basis of a foreclosure action. Securitized loans encompass nearly all residential loans and most commercial loans originated after the year 2000. The loans undergo financial engineering in the transformation to securities sold to investors and often lose their claim as a secured real estate loan in the process.
Attorneys and borrowers pro-se are precluded from providing substantive testimony in their own cases and use evidence by qualifying experts willing to testify in court to draw judicial notice to facts and documentation. (The judge determines qualifications, often under cross examination by opposing counsel who will do what they can to keep the evidence out of the case in court.)
Enables borrower attorneys to attack ownership, financial interest, secured status, chain of title and other claims. Flushes out third party loan servicers acting as owners or creditors and exposes them as third party vendors with miniscule financial interest. Attacks the secured status of Trustees and those bringing wrongful foreclosures without ownership or authority to act on behalf of an owner.
Often supports charges of misrepresentation, intrinsic and extrinsic fraud upon the court. Lenders faced with this evidence and losing in court may finally agree to a settlement that was not on the table previously, including a sustainable loan modification, short sale or waive deficiency judgment.
Direct inquiries to info@fpg-usa.com.