Securitization Audits - Forensic Loan Audits

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    • Mortgage analysis, securitization audits, and forensic loan audits can provide evidence for credible legal defense against foreclosure in all state and federal courts. Certified audit results by qualifying expert analysts provide evidentiary findings, declarations, and testimony for litigation support, loan modification, bankruptcy and civil attorney client foreclosure defense.

    Our expert services are unsurpassed in quality, competitive pricing, and fast dependable turn around times. We are experienced in judicial and non-judicial process, residential, commercial, RICO, investor, Trust assessment and class action cases.

    We find toxic defects and report material issues to capture judicial notice and prove findings to sustain a verdict in your favor. This can be the basis of loan modification negotiations, discovery, hearings on the merits, and winning trials. Additionally, our reporting can be helpful in finding misrepresentation, intrinsic and extrinsic fraud, frivolous lawsuit charges and more. Faced with losing in court lenders often settle.

    Attorneys and parties can represent facts and findings but not as experts in their own cases. When the stakes are high and you do not want to take the chance of allegations and claims that may be discounted or go unnoticed, use FPG-USA's evidentiary findings with expert witnesses for compulsory judicial notice.

    Some facts about securitized loan audits (FLD):
    In 2000, loans began to be securitized. This means they were pooled together, sliced up and credit enhanced then sold to investors as securities. The lenders who made the loans sold them but retained loan servicing rights. They were paid in full on the initial original mortgage but continued to service the loan (i.e. sending out statements, doing collections, etc) on behalf of the new owner(s). Servicing represents only about 1/2 of one percent of the actual value of the loan. The servicing lenders have the initial original loan documents because they originated the loan but in these types of scenarios, these are not the current owner's originals. Now, many of these servicing lenders are misrepresenting that they own the loan or have rights to foreclose when they do not. By misrepresenting ownership rights, they are preventing the borrower, their attorney and the court from discovering the truth and thereby obtaining foreclosure wrongfully.

    In many cases Trusts that claim ownership cannot produce documentation that they in fact purchased the very loan they are trying to foreclose on. In the financial engineering of the pooled loans into securities loans were sold multiple times. Transfers were acknowledged and originals kept with documented custodians. Parties to the sales sold and resold the same loans in complicated debt derivatives over and over again. The Trusts are regulated to strict guidelines in this chain of endorsement, assignment, and recording. In cases where they claim foreclosure on the initial original loan documents, it is because the loan has been sold by the Trust or the Trust cannot evidence ownership. We are experts in investigating this in our securitization audits, finding the undisputable written proof and reporting on it.

    Some facts about forensic loan audits (LCA) a/k/a TILA Audits:
    Homeowners with refinance mortgages taken in the last three years can cancel loans completely if violations exist in loan documentation. Congress enacted laws to allow this. Not everyone qualifies but if and when you do, the remedies are powerful and mandatory in all courts. The case must be presented with meticulous reference to statutes and evaluated in strict accordance with the laws. We specialize in this area and are acknowledged experts.

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