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Millions of people need help.  We are still feeling the effects of the outright greed of predatory lenders such as Bank of America, JP Morgan Chase, US Bank, GMAC, Wells Fargo and others.  It did seem like we might have made it through the worst of it as foreclosure rates, while remaining high, started to go down, but this was only because 23 states that perform judicial reviews on all foreclosure suits halted foreclosure proceedings because of the widespread institutionalized mortgage fraud being committed by lenders, which resulted in untold amounts of people losing their home who never should have.

The government did start a program called HAMP that would help homeowners at risk of defaulting on their home loans receive a loan mod.  However, this has not been as successful a program as everyone was hoping, with the actual approval rate for people applying for a loan mod is a scant 20%.  The fact of the matter is these predatory lenders, who knowingly approved predatory home loans for people who couldn’t afford to keep up with the payments simply do not have any incentive to help homeowners in need with a loan mod.

This is why loan audits, such as a forensic loan audit, are so important to get your bank to take your loan mod application seriously.  A forensic loan audit is designed to examine your loan documents in detail, and search for any lending violations that will provide clear evidence of wrongdoing on the part of your lender.  With the evidence that is provided by a forensic loan audit and working with a qualified legal professional such as a loan modification attorney, you can greatly strengthen your argument for a loan mod, especially since nearly 80% of current home loans have multiple violations at both the state and federal levels. Because of this gross amount of violations the banks have committed, most of them would rather negotiate and work to give you a loan mod instead of continue to argue, since they would now be open to litigation and would not want to have to deal with a court case.  It will be a huge shock at how willing these predatory lenders will suddenly become to work with you when faced with their predatory practices being exposed by a forensic loan audit.

Not only can forensic audits help you obtain a permanent loan mod, but they can also help you when other violations are discovered and you could potentially have interest you have paid on your loan refunded, and in some extreme cases, have the loan rescinded completely.

Homeowners need someone who can look out for them and help with a detailed loan audit.  Tila Solutions looks out for the homeowner.  A Tila Solutions Consultant is available for people by telephone at (702) 508-0335.  Or you can visit the Tila Solutions website at loan mod.  They will help. They are not funded by the governments or the lenders. They are on the homeowners’ side.