SECURITIZED  LOAN AUDIT HELP

A Securitization Audit is an audit done by a third party researcher who digs through various publicly available resources to find proof that your loan was securitized (meaning your loan was pooled with other loans and sold to investors). This means in most cases fraud was committed and you have grounds for legal action against your lender. We can help you with your securitized loan audit and help you know what your options are once your loan audit is complete.

Often, a well trained auditor can pinpoint the actual location of your loan among hundreds of thousands of investments. This is time consuming and very hard work, as they have to literally find a needle in a haystack of a few thousand loans to find yours and to know exactly what is going on with your loan through the loan audit process.

What a Securitization Auditor would provide you at the end of a Securitization Audit is a multi page document and an affidavit that is admissible in court as evidence. The document will show whether your loan was securitized and in some cases what investor pool your loan is in, or what Trust it belongs to. We can help you find out all of this information with our loan audit specialist and we will help you find your options to save your home or to take your lender to court for fraud based on most findings in our securitized loan audit.

Since this information is publicly available through the SEC, the affidavit is a simple statement of fact (given with firsthand knowledge) that your loan has been securitized.

Other things the auditor will look at are recorded documents such as a Mortgage Assignment, Substitution of Trustee, Notice of Trustee sale and other recorded documents and investigate those who signed those documents. All of this in which can help you in a case against your lender for fraud.

Our securitization loan audit specialist has over 10 years of experience and we know how to help you and find out what was done with your loan through our loan audit process. Let us help you know your rights and know what happen with your loan so that you can make an educated decision on what route you would like to take against your lender for fraud done against you as a homeowner.

More Facts You Need To Know:

Attorneys and borrowers cannot offer substantive testimony in their own cases.  In other words, they cannot be their own experts. Our auditors specialize in highly qualified expert investigation, reporting, mediation and litigation support in the fight to win against foreclosure.

Securitization Audits: Loan servicers currently are under investigation by a joint attorney general’s task force for processing questionable foreclosures using deceptive processes that may not have been lawful.

For example, foreclosure related documents signed unlawfully, a chain of ownership that is unclear and may be of fraud, underlying sales and transaction disclosure of a securitized loan not revealed in full and state consumer protection requirements have not been followed.

The auditors we use will expose defects, discrepancies and faults.

Their Securitization Audit investigations reveal foreclosure processes undertaken with inaccurate documents, conflicts of interest, faulty chains of title, failure to conduct mediations required by law and robo-signing; affidavits and other documents asserting claims without knowledge of the facts or confirming their accuracy, employees of foreclosure trustees signing documents posing as the corporate officer of multiple banks and mortgage servicers and signatures that vary widely from document to document.

The audit can also expose foreclosures where there is no clear chain of ownership for the loan.

Default notices that have gone out without all the required information, inaccurate documents, conflicts of interest, defective processes, misrepresentation and fraud. Such failures potentially injure not just homeowners denied the protections afforded to them under our laws but also subsequent purchasers of foreclosed properties, financial institutions who might be inclined to lend on such properties and the title insurance companies who insure the chain of title to those properties.

Our securitization loan audit specialists have the capabilities to search thru millions of loans to try and find yours. If after all of this they still find it has not been securitized then you still benefit by not having to pay an attorney on a lost cause. You will get a full audit report telling you of their findings, and letting you know fighting it might be an uphill battle. It does not help you to fight to keep your home if the lender did everything right. It does not mean that if your loan was found not to be securitized you get a refund, as these audits can take 10 to 15 man hours of research to perform and time is money. However securitization is not the only thing to consider, as many of these lenders have forged or Robo-Signed many of the foreclosure documents. However over 80% of the loans written in between 2000 and 2007 have been securitized, but once in a full moon they find one that has not been. At that point you will need to look at other options or tactics to help your situation.

Let us help you today and find out if your loan is securitized and if we can help you fight your lender based on our findings from our securitized loan audit service.

Disclaimer:

Homeowner assistance program does not provide the audits. We use an independent approved vendor of highly qualified mortgage analysis experts that provide independent third party Securitization and Forensic Loan Audits to borrowers seeking to obtain evidence for use in court to fight foreclosure.
We provide a auditing service as an approved vendor in stages based upon each homeowners needs. Our loan audit experts do not advocate for the borrowers as they are strictly a 3rd party conducting an analysis of documents for the homeowner. Neither us nor the mortgage analysis experts provide legal or accounting advice. The reporting is more than informational; and a highly qualified expert is available for mediation and litigation support to qualified legal professionals. We can help you and we will find out the information you need through our securitized loan audit service.

We have set the price of our securitization audits at the lowest possible price for the typical situation faced by the large majority of homeowners. 

Mortgage Solutions of Orange County California is here to now help homeowners avoid going into foreclosure with our foreclosure prevention help services. We can help you stay in your home and stop your trustee sale in California while allowing you time to focus on and decide what you would like to do with your home whether it be a loan modification or a short sale option, we can help you stay in your home and give you the needed time to decide which option you would like to go with. Mortgage Solutions will help you each step of the way and we have a knowledgeable staff that can answer all of your question right over the phone to help you chose what the best option will be for you. Going through a foreclosure is very stressful and we can take that stress away from you and help you stop your foreclosure and prevent your bank from taking your home away from you.

The foreclosure process costs your bank a lot of money and they normally will work with you as a borrower, however if you do not know how to deal with your lender to avoid foreclosure with valid proof and negotiating properly they will foreclose on you and take your home as they will deem you a at risk homeowner and will not allow you to remain in your home. Stop the foreclosure process from happening you with our help and find out your available options before it is to late. We know how to handle your lender and we know what is needed to show valid proof you can stay in your home and that you can afford your mortgage payments. We will fight your lender and give you more time, all you have to do is allow us to evaluate your situation with you and we will help you stop foreclosure and save your home from going into foreclosure as well.

Call now and find out if you can save your California home and stop foreclosure with mortgage solutions help we will help you avoid a trustee sale today.

Mortgage Litigation Solutions

Mortgage litigation help is available for homeowners who feel they have been taken advantage of by their lender with predatory lending involved. Mortgage solutions is here to help Orange County homeowners fight their lender with mortgage litigation through our help and attorney network. Homeowners now have options available to get what they deserve back from their lender that was wrongfully taken from them. Below we explain what mortgage litigation is about and how it can help you as a struggling homeowner.

 A mortgage litigation case comes about when anyone involved in a mortgage agreement fails to follow the terms and conditions that were originally signed by both parties. Mortgage litigation is a kind of dispute over possible fraudulent activity in original loan documents and it is settled in the court-room most of the time. Now the question is what to do after some mortgage litigation has come about. We are going to find out the best way to straighten out that issue for you as our client. Please read carefully and let us know your feed back should you have any questions. We are always looking forward to helping you as it keeps us motivated to spread the information that works the best when it comes to mortgage litigation cases that we take on.

 Mortgage litigation means a dispute raised because of violations of terms and conditions, either by the borrower or lender. There may be plenty of reasons for the mortgage litigation process to take place. Today we are going to focus on why mortgage litigation takes place.

 Usually, some mortgage fraud or predatory lending gives this reason and homeowners (borrowers) think that they may have been taken advantage of and would like to find out if this is true. There are many things that lenders can do while the mortgage deal is in process without making the borrowers understand them through and this is the reason why mortgage litigation is now put in place so that shady loans can be caught and taken care of to help struggling homeowners.

Borrower’s difficulty to comprehend the process:

Not every borrower can understand everything which is stated in documents, in the short period of time he or she has. Often they are asked to sign without spending time on going over the things mentioned in the documents. Sometimes, the lenders consider it a good opportunity to place some abusive terms in the loan documents, which later on results as wrongful foreclosure or mortgage litigation.

The lenders’ cunning manners:

Lenders can overstate the total value of mortgage property, by doing so he will have the chance to fix higher interest rates than normal. He can go contrary to that as well and understate that value to achieve some other motives. However, borrowers remain indifferent in both the cases because of their ignorance. As time goes by when they find the trick working, they raise objection against it which we call mortgage litigation.

Borrower’s dishonesty:

Some borrowers also try to be smart and seem to exaggerate or play down their salaries to gain specific objectives. They over stress it to get a greater loan amount. On the other hand understating the salary in the application form aims the low interest rates to be set for them. Afterward, when it comes to the lender’s knowledge, mortgage litigation will be inevitable.

If you are a homeowner who thinks you may have grounds for a mortgage litigation case feel free to give us a call for your free consultation and find out if you qualify for a mortgage litigation case today.

Are you a homeowner in California who is struggling on getting loan modification help and wondering why you can not qualify? Find out why today with our NPV test help and let us show you how the net present value test can help you get through to your lender or investor on why a modification will benefit them along with you long term rather then foreclosing on you and going through that process.

Below is how the net present value test works to your benefit while providing the proper analysis to your lender on how a modification will help your situation and save them money at the same time.

WHY YOU NEED TO SUBMIT TO YOUR LENDER….

Home loan modification help for California homeowners is available and mortgage solutions is here to help you save your home and modify your home loan to a payment that you can afford. Are you struggling with your mortgage payments and in need of help? Do you find it hard to deal with your lender when it comes to a home loan modification and getting approved? Mortgage solutions can help you today!

Find out how we can help get you qualified and approved for a loan modification through your lender and let us help you with the negotiations and document preparation process so that you can be assured that you are doing everything properly so that your lender does not deny you a loan modification.

Mortgage Solutions of Orange County California has a combined experience of 20 years in the mortgage business and we know what the lenders want and need in order to approve homeowners for a loan modification to avoid going into foreclosure. We will make sure that how we prepare your documents and negotiate with your lender is a win for you and makes sense to your lender at the same time. We will negotiate your loan modification so that you can live stress free knowing what your payment will be each month and you can save money at the same time.

Right now is the time to act and find out if you can receive help for a home loan modification in California as interest rates are at an all time low and you can modify your loan to be within those rates while putting you into a fixed rate modification for up to 30 years. Let us help you with each step of your loan modification process so that you can enjoy these benefits and modify your home loan today with Mortgage Solutions and save your California home from foreclosure with our loan modification help.

CALL US TODAY AND LET US HELP YOU WITH YOUR HOME LOAN MODIFICATION NEEDS.

949-229-1652

Gmac mortgage holders have home loan modification help available for loan modification assistance programs and Mortgage Solutions is here to give you the help you need on how you can qualify for a loan modification with GMAC. A loan modification through this lender may be hard to do on your own if you do not know how to present your case to them and what documents need to be presented and how. We know how to package your loan modification documents and we can negotiate a low payment on your behalf. Leave the hard work to us and let us get you the results you deserve and need in order for you to remain in your home with a payment you can actually afford each month in our hard hit economy. A loan modification help program is a good option if you have a temporary reduction in income or an increase in expenses. An effective loan modification could lower your monthly mortgage payment and take away any delinquencies on the account that you may currently have with GMAC.

Below are some key parts in seeing if you can qualify for a loan modification through GMAC, we do also provide you with our qualifying analysis for free right over the phone.

You could qualify for a loan modification if:

• You own and occupy your home as your primary residence.
• You are either current, at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.
• The unpaid principal balance of the first mortgage on your primary residence is $729,750 or less (loan limits are higher on owner-occupied multi unit properties).
• You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has recently been reduced.
• You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship.

If you feel you have one of the above situations and you would like to see if we can help you qualify for a loan modification help program through GMAC do not wait, let us help you get approved today and let our mortgage specialists see if you do in fact qualify for loan modification help today. Do not wait until you go into foreclosure! allow us to help you through the document preparations and negotiations with GMAC to assure that you are getting the right loan modification that will help you and your family long term.

CALL US TODAY AND LET MORTGAGE SOLUTIONS HELP YOU WITH YOUR GMAC HOME LOAN MODIFICATION NEEDS.

949-229-1652

 Stop your foreclosure in Orange County California today! Do you hear stories of banks wrongfully foreclosing on homeowners in California lately? Let Mortgage Solutions help you save your home from foreclosure and stop your lender from wrongfully evicting you. Mortgage Lenders and Trustees have laws and procedures they must follow to validly foreclose and take your home. Yet everyday homes are improperly and illegally foreclosed on. That is where we come in. WE STOP FORECLOSURE SALES IN ORANGE COUNTY CALIFORNIA, we are here to help you as a struggling homeowner number one remain in your home and two we help you stop foreclosure and modify your home loan.

 Trustees can be held liable for improperly foreclosing upon a home. We use Federal Law and contact the trustee and DEMAND the trustee to verify a comprehensive list of issues related to the legal nature of the foreclosure proceedings enacted by the lender and the trustee. Trustees do not want to be held liable for wrongful foreclosure in any way possible. Trustees will not foreclose on the property if there is a potential violation pointed out to them prior to the Foreclosure Auction Sale Date. Trustees are incredibly busy and generating huge profits so they will continually postpone the sale date with adequate time to research and respond to the issues raised by your law firm on law firm letterhead to protect themselves. This is where we can come in and we will help you stop your foreclosure in Orange County. Our demands postpone your Trustee Sale date, stop the auction and keep you in your home.

 Our clients are those denied a loan modification, denied a short sale or are simply those who have a Trustee Sale tomorrow and would rather stay in their home longer, we can postpone your foreclosure sale date for up to one year. Often our clients go on to negotiate a loan modification or a short sale with the extra time we provide. We can also assist you with qualifying for a loan modification after we stop your foreclosure.

Call us at 949-229-1652 and we will Stop Your foreclosure in Orange County California.

Service Highlights
Your lender is never contacted so you can still modify your loan or short sale your property.
You can stay in your property or your income property after the Notice Of Trustee Sale has been postponed.
You may be able to avoid bankruptcy
Experienced trustee professionals working for you
No title transfers

Who Qualifies?
You’ve received a 30 Day, 60 Day, 90 Day Notice to Quit
You’ve received a Notice to Vacate or Unlawful Detainer
You need more time to facilitate a short sale, regular sale or loan modification.
Your sale date is 20 days away or more
You have filed bankruptcy.
You have been denied a loan modification or had a temporary restraining order lifted.
You are renting from a landlord or losing your home that you want to stay in.

How It Works

Give us a call for a FREE no-obligation consultation. One of our specialists will talk to you to discuss your situation and qualifications to determine if our services will benefit you.
If our services can benefit you, and you decide to accept the terms of our service, We will begin the process of trustee delay verification. With a successful delay, the Sale Date will be postponed and we will help you stop your foreclosure in Orange County California. We know times are hard and we are here to help you save your home today.

Home loan modification processing is now provided by us to help Orange County homeowners. We will do all the hard work for your clients and we will take their hand and walk them through the loan modification processing with their lender until the entire process is finished. We will collect, prepare and file all necessary documents to their lender to assure that the process is done as accurate as possible to streamline the loan modification to completion. We will also negotiate with their lender if needed to assure them that they are getting the best possible loan modification for their financial needs.  We have experience negotiators and attorneys that we work with through the loan modification process and loan audit process service that we offer as well and we know how to fight the lender for the best possible deal. Give us the opportunity to assist you clients today and let us show you the best results in the industry with our knowledgeable staff and attorneys. We offer the most effective loan modification processing in Orange county and we will show you how we can help your clients get approved for their home loan modification as fast as possible through our processing guidance.

We take pride in our clients and we will treat you and your clients with the respect and consideration you deserve as every homeowner is in need and wants help as fast as possible to assure that they will not lose their home to foreclosure. Let us help you  with all of your loan modification processing needs and let us fight for your clients and give them the loan modification that they deserve and need in order to keep their home here in beautiful Orange county.

CALL US TODAY FOR YOUR FREE LOAN MODIFICATION ANALYSIS. 949-229-1652

Are you a Orange County California homeowner who is in need of loan modification help in order to avoid home foreclosure, we understand your horrible situation and we are here to help you. We have experience loan modification help specialists available to assist you with your specific needs on getting help with all different types of loan modification programs available through all lenders. We know what they want to see when they are going through your financial documents figuring out if they will approve you for help on qualifying for a loan modification program. Our team has experience mortgage professionals on staff and we will guide you through the qualifying process with your lender to make sure you understand exactly how you can save your home as well as how much you can save if you are approved fro your loan modification help program. We take pride in helping our clients and we know the loan modification process is very stressful and we are truly here to help you in your time of need. Give our team the opportunity to give you the assistance you need to save your home from foreclosure in Orange County and modify your home loan to a new low payment today.

We will give you a free loan modification help analysis to go through and see if we can help you and how we can help you in the best way possible with your mortgage situation. We know the Orange County housing market and we know how to deal with all lenders. We can have you approved for your loan modification help program in as little as 180 days most of the time and we will make sure you are aware of every step that we take to get you approved and how the process and negotiations are going with your lender. We want you to know we are working for you and feel comfortable with us and our process on helping you get your home loan modified to save your home from foreclosure. Give us a call today and let us help you save your home and get approved for loan modification help through your lender here in Orange County.

California loan modification servicing & default servicing are currently in for its own form of modification. Based on testimony given before a Senate subcommittee, California loan modification servicing standards are in it for a modification of how they are upholding to current standards on how they need to be completing loan modifications for struggling home owners in California.

The topic has taken center stage in light of recent documentation errors related to foreclosures, and a growing number of industry analysts and mortgage banking groups are voicing their support. Home owners who are struggling in California truly need help with loan modification programs and options on how to save their home. homeowners have inundated many lenders offices with grievances about their experience in trying to fix their delinquency on missed payments and how they can get a beneficial home loan modification to save their home, from complaints about servicers losing paperwork to unexpected foreclosure notices in the midst of loan modification negotiations. Lenders are very hard to deal with many say and as we see it at Trivine Solutions that is very true unless you know how to deal with each lender and you know what that want and what they look for when trying to help those struggling home owners get a loan modification program approved.

there needs to be an increasing consensus that at least some kind of national mortgage servicing standards are warranted here in California. Even mortgage investors are on the side of homeowners when it comes to choosing a loan modification or other alternatives over foreclosure for California homeowners. The interests of investors and borrowers are aligned in that foreclosure is the worst outcome for both. We need to make our lenders see the loan modification as a help for all and we need to get a solutions made to get lenders to see the struggling home owners side. Trivine Solutions is here to help you see if we can do just that with your situation and we will fight for you and make sure your lender sees the loan modification as a benefit to both of you.

California home loan servicing standards would go a long way to address these conflicts of interest that put investors and homeowners on one side and servicers on the other side. The loan modification options is the best option for all and we can help you get that point across to your lender with our experienced negotiators and attorney that we have on staff to help you in your time of struggle.
The worst recession in living memory has led to the worst mortgage performance in our lifetime. Servicers have been overwhelmed by California delinquency rates running four to five times higher than what had been typical during the prior 20 years. Servicers need to Acknowledging the overwhelming nature of the crisis and servicers need to recognize their mistakes and lack of preparedness and need to help home owners in California get a loan modification approved and completed. We recognize that our industry can and must do better, servicers have tried to meet competing obligations in a rapidly changing environment, and we believe that California servicing standards can help us accomplish the goal of preventing foreclosures whenever possible.

California servicing standards must be truly put in place to help homeowners with a loan modification in order to drive real reform. The effort must be coordinated between lawmakers, servicers themselves, and a host of federal regulators, rather than throwing up one requirement after another requirement. Trivine Solutions supports reasonable California loan modification servicing standards that apply fair practices for borrowers, servicers, and investors alike and that seek to eliminate the patch work of varying federal, state, local, and investor requirements when it comes to completing a loan modification here in California.

When moving toward the new California loan modification servicing standards, policymakers must fully recognize the economics of mortgage servicing and must balance all public policy goals against business and market realities. We must help homeowners get into a beneficial loan modification program to stop foreclosure and we need to show struggling home owners how to complete the loan modification paperwork the proper way in order to get the process done as fast as possible. The loan modification servicing standards need to be raised and Trivine Solutions is here to help you and assist you on getting a beneficial loan modification in California.