What We Can Do For You!

 

UNAFFORDABLE LOAN  - were you put into a mortgage and now your income is not able to pay the monthly loan.

 

YOUR CIVIL RIGHTS - may have been violated along with The Truth In Lending Act if you signed loan documents printed in English (if your second language is English) and you didn’t fully understand what you were signing.

 

BAIT AND SWITCH – Were you promised a low interest loan but then got a higher rate at closing.

 

FAILURE TO DISCLOSE LOAN TERMS – Federal laws like the Truth In Lending Act (“TILA”) and the Real Estate Settlement Procedures Act (“RESPA”), as well as many state laws, require that creditors disclose the terms of the loan to borrowers, and when those terms are not disclosed or are inaccurately disclosed these laws are in violation.

 

RACIALLY MOTIVATED LENDING PRACTICES – Both federal and state law prohibit the mortgage industry from providing different loan terms to people based on race, sex, ethnicity, or other protected class.

 

ELDER ABUSE AND FRAUD – Because retirees often have a large amount of equity in their homes, they are prime targets for greedy and crooked creditors. Mortgage sellers cold call elderly homeowners and then scam them into a loan which they don’t need, can’t afford, and which provides the seller with an incredibly large commission.

 

Any Of The Above Is A Violation

Of Your Consumer Rights




 

Some things you should know about the procedures, requirements and complexities of how a home mortgage loan application works, such as:

 

  • calculation of interest
  • right to recession
  • appraisal fee
  • loan origination fee
  • was your yield spread premium illegal kickbacks
  • federal disclosure requirements
  • discount points
  • switching rates between initial disclosure and closing
  • mortgage fraud by lenders and brokers
  • prepayment penalties
  • adjustable rate mortgage fraud (“ARM”)
  • bank fraud
  • flipping

 

...the list is endless. These are just some of the many examples of predatory lending practices.

 

 

Our duty to the borrower is to  comprehensively examine loan documents to reveal - Fraud, Deceit, Unfair Practices, Falsifications, violations of the Truth in Lending Act (TILA), violations of the Real Estate Settlement Procedure Act (RESPA), violations the Home Ownership and Equity Protection Act (HOEPA)  and State law requirements violations governing the lending industry. 

 

Our services is to find and expose Fraud - Deception.