We provide a complete analytical review of your mortgage transaction,
focusing on areas statistically probable to show non-compliance or fraud.

Identifying these deficiencies gives you power in any negotiation to
 possibly modify or nullify your mortgage loan.

Your mortgage is a contract, and both sides
must perform or remedies exist for breach.

Common Mortgage Violations include the following situations.

1. Constructive Fraud - where material facts about your mortgage loan, whether there is a prepayment penalty, or any other information which a reasonable borrower would want to know before accepting the loan, are kept from you to induce you to close the transaction. Did the broker or loan officer or anyone working for the broker or loan officer fail to disclose any material facts to the borrower?

2. Fraud and Negligent Misrepresentation - were any representations, statements, or comments, written or oral made by the loan officer, broker, notary or anyone else that were different from the terms of your final contract?  When a professional makes errors that could have been prevented and cause foreseeable harm to the borrower, you may have a claim for negligent misrepresentation. 

3. Unreasonable loan fees - were there unreasonable fees or non-allowable charges paid to your lender or broker? Is there a pattern of predatory lending? Did you actually benefit from the terms that you were given? Fees and terms are regulated by several different federal laws. We will compare your transaction to what is allowed under the regulations, and identify any problem areas.

4. Breach of Contract - We mentioned this above. Your mortgage documents are components of a contract. A contract requires a bargained-for mutual benefit and detriment. Did you get what you thought you bargained for? Did the lender follow all the terms of the contract? This is NOT a one way street. Contracts must work both ways, or they become subject to modification or nullification by the courts.

5. REVERSE MORTGAGES - a very unique type of loan, involving auditing of many aspects not usually encountered in a traditional mortgage. For example, counseling compliance.

We will evaluate these types of situations - CLICK HERE and see if any of these describe your circumstances.

Expert Lender and Witness Services LLC
15921 SW 14th Street - Pembroke Pines, FL 33027
(800) 557-6580          FAX (954) 251-4923
nl@ewsnow.com