The Legal Grind’s Forensic Loan Audit Services

The Legal Grind's forensic loan audits may identify regulatory violations committed by your lender that can help you to save your home and lower your monthly payments. Get more information

What is a Forensic Loan Audit?

A forensic loan audit is a legal review of your mortgage loan documents to determine whether your lender violated critical aspects of important consumer protection laws. Violations of federal and state consumer protection laws relating to mortgage lending may enable you to rescind (effectively cancel) the loan, serve to block a foreclosure, or may entitle you to refunds or monetary damages. Moreover, if you’re unable to show hardship, have no equity in your home, or do not have sufficient income to support a modified loan, the forensic loan audit may be the only means of blocking foreclosure proceedings or compelling the lender to agree to new loan terms.

How likely is it that my lender violated the law?

A remarkable report published by the inspector general for the FDIC reveals that 83% of federally supervised banks that made loans at the peak of the mortgage boom were cited for patterns of "significant compliance violations". Importantly, the FDIC regulates banks that generally did not engage in subprime lending and that are required to have minimum regulatory controls in place. The percentage of lenders failing to comply with regulatory requirements is even higher for state-licensed, non-bank lenders who were responsible for originating 52% of subprime mortgages and are subject to a much broader patchwork of state regulation.

Why have the Legal Grind perform my audit?

The Legal Grind performs our forensic audits by leveraging a patented compliance auditing software that, since 2002, has reviewed more than 28 million loan mortgage for compliance with more than 330 federal and state mortgage lending laws. Our audit software is maintained by nationally-recognized law firms that specialize in consumer mortgage regulation. The Legal Grind’s forensic audit experts have been in business long before the mortgage crisis and will continue represent troubled homeowners long into the future.

How much is a forensic loan audit?

Prices can vary depending on the complexity of your loan and whether you have both a first and second mortgage. Also, the Legal Grind provides discounts to qualified low income borrowers.

How can I get more information?

Complete the form below and one of our mortgage regulatory experts will contact you to discuss your particular situation and whether a forensic loan audit makes sense for you. Or, as always, you can visit the Legal Grind for more information.

Name:

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Please tell us about your mortgage. Don't worry if you're unsure about a question. Your answers are intended to help us better address your needs.

What was the month and year in which you took out your mortgage?

Do you have a second mortgage or a home equity line of credit (HELOC):

Is your current mortgage a refinance:

Is your mortgage on your primary residence (in other words, it's not a second home or investment property:

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For more information please phone us.

Phone 310.452.8160 | Toll Free 888.GRIND.LAW