Forensic Audit Report

“KNOWLEDGE IS POWER”:We have all heard this before and it is applicable in the mortgage world

as much as anywhere.

When you try to negotiate a change or modification of mortgage loan terms with your lender,

you need as much ammunition as possible to persuade the lender to cooperate and improve

your situation. A forensic audit report is the KEY piece of that much needed ammunition.

This critical report can provide the necessary leverage to convince the lender to modify your loan

terms.

Without the report you are just another customer begging for a modification.

With the report, you are a potential thorn in their side, a potential lawsuit waiting to happen.

A lender may make a different decision based solely on you having the audit report to tip

the balance in your favor.

How Does a Forensic Audit Report Help? All mortgages must comply with fair lending laws.

Any error or omission on the part of a lender or its agents can constitute a violation of applicable laws.

Our audit reports identify violations of law involving one or more of the following:

· State and Federal Predatory Lending Laws · Real Estate Settlement & Procedures

Act (RESPA)

• Truth in Lending Act (TILA) · Home Mortgage Disclosure Act (HMDA)

· Fair Housing Act (FHA)

• Equal Credit Opportunity Act (ECOA) · Home Ownership Equity Protection Act

· State and Federal Discrimination Laws

Combining the audit report with AHPS experience in real estate law and consumer advocacy

will give you a great opportunity to improve your mortgage loan terms. And after all, that is

the result we are all looking for in this distressed economy and real estate market.

Our team will work diligently over the course of several weeks to compile copies of

your original loan documen­tation in order to successfully complete an audit report

for your specific situation. Our law firm’s staff will find the mistakes and violations

within your loan documents which can then be used as leverage for future negotia­tions.

Every Bank or Investor has different guidelines, income to debt criteria, along with the

property profile report information it evaluates in order to determine qualification.

When you work directly with your bank you simply deal with a customer service

representative or to be blunt, a minimum wage PAPER PUSHER that you are

counting on to save your family’s most valuable asset “YOUR HOME”.

In the vast majority of files we review, we have found not just one, but several

violations of applicable lending laws.

After you receive your audit report, you can determine which course of action

is best in your situation. . our options include:

(1) filing a lawsuit based on the violations identified in your audit report and

(2) request­ing a loan modification using the violations and potential lawsuit

as leverage against your lender. Our dedicated staff looks forward to providing

a successful audit report to you which will help in negotiating your mortgage terms.

For further information about American Home Finance or any of our products or

services, please contact our offices directly.

Thank you for allowing us to assist you with your mortgage needs. .

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