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Friday, 16-Dec-2011 06:05 Email | Share | | Bookmark
Have you been the Victim of a Predatory Loan? Find out with a F

The number of homeowners that have been taken advantage of by their lenders with predatory loans across the country is a staggering amount. It is estimated that about 80% of all home loans have multiple TILA and RESPA violations. These violations have placed many homeowners at risk of losing their homes to foreclosure.
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<a href="http://www.predatorylendingreport.com">Predatory lenders</a> such as Bank of America, GMAC, JP Morgan Chase and Wells Fargo have been found guilty time and time again of violations at the state and federal levels with their predatory loans. There is a good chance that you could be a victim as well. You can find out if you have been a victim of a predatory loan by having a forensic loan audit examine all of your documents in order to find any violations.
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A forensic loan audit will make sure that your loan complies with all state and federal predatory lending laws, such as RESPA, TILA, HOEPA, UDAP, ECOA and OCC. Lost documents, incorrect appraisals, improper notices and other violations that are becoming increasingly commonplace when dealing with a predatory lender means that a large number of mortgage loans could be legally unenforceable. A forensic loan audit that has the potential to give you legal recourse against your lender will help them sit up and take notice of you, and potentially move you to the front of the line when it comes to renegotiating the terms of your loan through a <a href="http://www.tila-now.com/services/loan-mods-short-sales/">loan mod</a>.
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A <a href="http://www.forensicloanauditsite.com">forensic loan audit</a> will examine your mortgage documents and determine if there have been violations such as excessive and unnecessary fees and high interest rates, to more basic violations such as incomplete loan applications or incorrect dates. If any of these are discovered by your forensic loan audits, it may be able to open doors allowing a homeowner at risk of defaulting on their loan and going into foreclosure to obtain a loan mod that could significantly lower a mortgage payments. If a forensic loan audit discovers more serious violations, this could give a homeowner legal recourse against a lender and in some rare cases, be able to have their loan rescinded.
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Remember, predatory lenders such as Bank of America don’t care about the homeowner at all. The only thing that matters to them is their bottom line and taking your money. This is why you should not hesitate to contact Tila Solutions to give you the help you need in the form of a forensic loan audit. For over a decade, Tila Solutions has been looking out for the homeowner with their forensic loan audits and securitization audits. If you need help stopping foreclosure, a Tila Solutions Consultant is available by telephone at (702) 508-0335. Or you can visit the Tila Solutions website at <a href="http://www.tila-now.com/">loan audits</a>.


Friday, 4-Nov-2011 18:22 Email | Share | | Bookmark
Wrongful Foreclosure is Just Business As Usual for Predatory Len

In the wake of the scandal involving banks using robo signers in order to push wrongful foreclosure suits through the courts, one of the constant excuses for this criminal behavior you heard from the banks was that the use of these techniques were merely “procedural irregularities” and that nobody was the victim of a wrongful foreclosure, all of the foreclosures were in fact justified. We know now that this wasn’t the case and their claims that these were merely “harmless errors” were in fact bald faced lies.

To make matters worse, a government review recently determined that not only have big banks such as JP Morgan Chase, Bank of America, US Bank, Wells Fargo, GMAC and others guilty of perjury, incompetence and sloppy record keeping, but they also found that the quality-assurance processes of MERS could not be trusted! MERS sole purpose is to keep track of who owes what to whom, and if this can’t be verified as accurate, it can mean disaster for anyone who owns or hopes to one day own a home because this means nearly half the homes bought and sold in the last decade have uncertain, unmarketable titles.

If you are facing the threat of foreclosure, there is a good chance that the bank may no longer possess the title to your home because they failed to follow the proper securitization guidelines. If this is the case, then any foreclosure actions taken against you would be part of a wrongful foreclosure. The best way to determine if you are the victim of a wrongful foreclosure is by having a securitization audit performed on your home loan documents.

A securitization audit will be able to determine beyond a shadow of a doubt if your home loan has been securitized, if your home loan was securitized properly, and if your loan documents were at any time signed off on by a robo signer. Having your home loan undergo a securitization audit is a must if you suspect mismanagement of your mortgage or are possibly facing foreclosure. With the help of a securitization audit, you potentially gain very tangible evidence to help you in court, stop foreclosure proceedings, and bring about the end of a wrongful foreclosure proceeding on your property. Banks hate these audits because they are so detailed and so good at exposing fraud on the part of mortgage lenders, the banks know they have little chance of winning. With the evidence provided by a securitization audit, many times the bank will try to settle as soon as your documents are submitted.


This is why if you need foreclosure help, you should not hesitate to contact Tila Solutions to give you the foreclosure help you need. For over a decade, Tila Solutions has been looking out for the homeowner with their forensic loan audits and securitization audits. If you need help stopping foreclosure, a Tila Solutions Consultant is available by telephone at (702) 508-0335. Or you can visit the Tila Solutions website at forensic audits.


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