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Hello Bill & Darlene,


Thank you for your interest in U.S. Mitigation Service. Below you
will find some links to some extremely informative video news clips
giving you some powerful insight on how Lenders have been violating
rights of homeowners that can cause severe frustration to their
families.
Banks give you the run around!
http://www.youtube.com/watch?v=2DVr9uJ1dJQ

ROAD TO RUIN: Mortgage Fraud Scandal Brewing


http://www.youtube.com/watch?v=6khYSTqHrqM

FBI Mortgage Fraud Crackdown


http://www.youtube.com/watch?v=9fMlGGABcHs

BANK ADVISES FOR 3RD PARTY LOAN MITIGATORS


http://www.youtube.com/watch?v=OhwyINqA9lU

www.Theusmitigationservice.com

Forensic Audits are used to identify laws your


Lender broke!
The #1 goal of the Forensic Audit is to determine whether there were
violations of federal law.

Experts Agree 4 out of 5 Mortgage Loans Contain Serious State and Federal
Violations

Now, a borrower can take a more offensive approach, and have a better chance of loan
modification, principal and rate reduction, refund, or rescission, regardless of their hardship or
payment history!

A 2006, FDIC Office of Inspector General Report revealed:

• 83% of the institutions examined were cited for "significant"


compliance violations
• 43% of those institutions were "repeat offenders"

• 85% of those repeat offenders were highly rated by the FDIC for
their in-place compliance process

Many loans funded during the "boom" years of 2002-2006 were performed with legal
violations. Although only a fraction of the loans were funded with blatant disregard
for the law, the majority of loans have significant State and Federal violations
resulting from carelessness, greed or just innocent oversight by the lender and/or
broker. However, no matter why these violations were performed by the lender,
these violations carry EXTREMELY stiff financial penalties for the lender, and can
result in SERIOUS legal consequences to the lender, such as forcing the lender to
refund all interest paid to date back to the borrower.

If these violations are found, then the borrower may be eligible for complete relief
of the predatory loan or a very favorable modification. Complete relief of the
predatory mortgage is called as a loan rescission. Meaning the lender takes back
the “predatory loan” and awards or credits back to the borrower all interest made
on payments thus far, loan origination fees, all applicable lenders fees, penalties
and attorney’s fees

As part of the agreement we will perform an extensive and thorough examination of


your mortgage loan file to determine your loan's enforceability and what important
remedies are available to you. Borrower remedies can include the right to rescind a
loan, block foreclosure, or secure refunds and monetary damages. Notice of
material violations will very likely compel a lender to modify a loan.

A forensic audit audits a loan for compliance against more than 330 consumer
protection laws, is widely recognized by the mortgage industry as the most
comprehensive and precise auditing tool available.

A forensic audit;
• Quickly analyzes mortgage loan data for compliance with critical provisions of
more than 335 federal, state and local mortgage-related consumer protection
laws and regulations.
• Compliance decision rules are maintained by in-house mortgage compliance
attorneys and audited by nationally-recognized outside counsel.
• Updates and enhancements are implemented regularly to ensure compliance
with new regulatory requirements, changes to existing laws, and evolving loan
products and lending practice.
How Does a For ensic Loan Audit Help?

All mortgages must comply with fair lending laws. Any error or omission
on the part of a lender or their agents constitutes a violation. Our
forensic loan audit verifies compliance with 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) and more

“What LIES in are in your Loan?”


www.Theusmitigationservice.com

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