Uncover Violations That Strengthen Your Defense
A forensic loan audit examines every detail of your mortgage — from origination through servicing — to identify lender errors, regulatory violations, and predatory lending practices.
Response within 24 hours
What Is a Forensic Loan Audit?
A forensic loan audit is a deep, line-by-line examination of your mortgage documents — from the original loan application through every servicing action since origination. It's not a superficial review. It's a systematic investigation designed to uncover errors, regulatory violations, predatory lending practices, and documentation gaps that can serve as powerful defenses in foreclosure proceedings or as the basis for claims against your lender or servicer.
Federal and state laws impose detailed requirements on mortgage lenders and servicers — the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), and state-specific consumer protection laws. When these rules are violated, the violations can give you leverage to stop a foreclosure, negotiate a modification, or even seek damages.
Our forensic audit team has reviewed thousands of loan files and knows exactly what to look for. We identify violations that most homeowners — and even many attorneys — would miss, and we document them in a comprehensive audit report that can be used in court, in negotiations, and in regulatory complaints.
What Our Forensic Audit Examines
Every aspect of your loan is scrutinized for compliance with federal and state regulations.
TILA Compliance
Truth in Lending Act violations including incorrect APR calculations, inaccurate finance charge disclosures, missing right of rescission notices, and improper adjustable-rate mortgage disclosures.
RESPA Compliance
Real Estate Settlement Procedures Act violations — improper servicing transfers, escrow account mismanagement, kickback/affiliated business arrangement violations, and failure to respond to Qualified Written Requests.
Predatory Lending Analysis
Identification of predatory lending indicators — excessive fees and points, asset-based lending without regard to repayment ability, loan flipping, negative amortization features, and steering to higher-cost products.
Chain of Title & Standing
Examination of every assignment, endorsement, and allonge in the chain of title. MERS tracking discrepancies, missing or robo-signed assignments, and breaks in the chain that undermine the foreclosing party's standing.
Interest Rate & Payment Audit
Verification that every interest rate adjustment, payment application, and fee assessment across the life of the loan was correct. Servicing errors in this area are surprisingly common and can significantly impact the amount claimed as due.
Dual Tracking & Loss Mitigation
Review of whether the servicer improperly pursued foreclosure while a complete loan modification application was pending — a violation of CFPB servicing rules that can stop a sale.
Escrow Analysis
Audit of escrow account management including proper annual analysis, cushion limits, and timely payment of taxes and insurance. Escrow errors frequently lead to artificially inflated payment demands.
Force-Placed Insurance Review
Identification of improperly force-placed hazard or flood insurance — often at dramatically inflated premiums — when the borrower already had coverage in place.
What Happens After the Audit
Once we identify violations, we put them to work immediately.
Foreclosure Defense Integration
Audit findings are incorporated into your foreclosure defense as affirmative defenses and counterclaims that challenge the lender's right to foreclose.
Loan Modification Leverage
Documented violations give you powerful negotiating leverage. Lenders facing potential claims are far more willing to offer favorable modification terms.
Regulatory Complaints
We prepare and file complaints with the CFPB, OCC, FTC, and state regulators — adding pressure on the lender and building an administrative record.
Litigation Support
If litigation is appropriate, the audit report serves as the foundation for claims under TILA, RESPA, and state consumer protection laws with potential statutory damages.
Frequently Asked Questions
Common questions about forensic loan audits and how they strengthen your defense.
What's Hiding in Your Loan Documents?
A forensic audit could be the key to your defense. Get a free case evaluation today.
Available Monday–Friday · 10:00 AM – 6:00 PM Pacific
Get Your Free Full Case Review
Tell us about your situation — our senior legal team will review every detail and contact you within 24 hours with a tailored plan. No obligation. 100% confidential.
Submit Your Information
Tell us about your situation in complete confidence.
Case Analysis
Our legal team reviews your documents and foreclosure status.
Receive Your Strategy
We outline your best options and recommended path forward.
We Get to Work
Your dedicated team begins protecting your home and rights.