Our Mission

Our mission is to help homeowners whose house payments have become unmanageable.

We understand that distressed homeowners need immediate help, and a permanent solution that is both proven and affordable.

The solution begins with a Forensic Loan Audit.

A comprehensive Forensic Loan Audit is the key to obtaining a beneficial, long-term solution (such as a loan modification) because the audit identifies violations made by your lender. Because of our experience and computerized loan auditing technology, National Loan Auditors performs the most complete Forensic Loan Audit available.

In the past few years, a great number of loans were performed with errors, omissions, legal violations and just plain fraud.  To a large degree, these violations are the leverage used to obtain a loan modification.  Generally, the more violations on your loan (and the greater their severity), the better your chance of obtaining a loan modification.

National Loan Auditors is the ONLY firm that will provide a comprehensive technology-driven loan audit. We are also the only firm that provides:

• A color-coded Violation Severity Alert (VSA) - Escalating through green, orange and red, the VSA appears red for loans which have the greatest number and severity of violations and these loans often have the best chances for a loan modification. VSA makes it easy to determine your chances for a successful loan modification. 

• A 20-Minute phone consultation and advisory session with an attorney. Unlike other firms, which may give you a printed report, or leave you out in the cold wondering what do next, our exclusive one-on-one consultation process makes it easy to determine your next step in the loan modification process. Just ask your attorney and they will be happy to answer your questions and provide advice.

Who Needs A Forensic Loan Audit?

National Loan Auditors provides Forensic Loan Audit service to consumers, banks and attorneys through the United States.

• Consumers - Homeowners having trouble paying their home mortgage, victims of predatory lending.

• Banks - For compliance or investment appraisal, reviewing large quantities of loans is not a problem for us and discounts are offered for bulk purchases.

• Attorneys - Subcontract your audits to us. Our technology and fast turnaround will make your job easier.

As a Homeowner, What Are Your Options?

These are financially troubling times for many homeowners and lenders are being inundated with tens of thousands of requests to grant loan modifications, lower interest rates, and reduce outstanding balances.

Keep in mind that, while lenders are well equipped to lend and service your loan, they are not prepared or staffed to perform modifications or workouts. Moreover, they probably do not even own your mortgage. Most likely,  their hands are contractually and legally bound by the Wall Street investors to whom they sold your loan.

In most cases, even if your lender wanted to enter into a loan modification with you, they couldn't...because they no longer own the mortgage or make decisions regarding your loan. Rather, they have to present their case to the entity that currently owns your loan: Wall Street investors. 

So ponder this for a moment: you (and millions of other homeowners) are individually asking these big faceless Wall Street firms to take on financial losses because of individual personal reasons: you lost your job, your home dropped in value, you had a financial setback, or you entered into a bad loan situation. The bottom line is this: no matter how badly you need it, no matter how important your reason, no matter how legitimate your request, Wall Street sees only numbers.

And because Wall Street sees only numbers, not reasons, excuses or explanations,  they simply don't care.  In fact, they don't have to; they are not a charity, they are a business whose main goal is to profit from real estate investments.  

So, for many lenders it is an easier path to proceed with foreclose and take the homes back, as outlined in their sale agreements with Wall Street investors, as opposed to exploring alternative options with individual homeowners.

The lenders, Wall Street, and our Government can not move fast enough for you--the homeowner--to avoid losing your home or ruining your credit!

But do not despair. There is help!

The best way to approach your lender, is by using a legal approach.

After all, this is the same approach used by the lenders themselves: they seek only to enforce their legal contract with you. They lent you money to purchase or to refinance your real estate. Now they want their monthly payments or they want the asset back...your home. It's that simple!

You must start with a full understanding of ...

At This Point, What Are Your Legal Options?

• What can you do?

• What should you do?

• How do you get it done?

In this mortgage meltdown market, lenders focus on keeping financial losses to a minimum. This is often best accomplished by keeping a borrower in the home. Keeping payments coming in, even reduced ones, is always better than the prospects of foreclosure, where lenders see no regular income. Thus, the goals of our clients often meet those of the lenders.

Now, while it would then seem easy for borrowers and lenders to come to agreements, reaching the right person at the lenders' offices who can make decisions, is often very difficult. The benefit of using National Loan Auditors and its affiliate attorneys, is that they are able to touch the right people with the right message.

Your attorney will negotiate directly with the people who actually make decisions regarding your loan, and will facilitate the most logical and beneficial outcome. We save our clients' valuable time, so they don't have to waste time on the phone, or writing letters. This usually results in a positive outcome for not only our client, the homeowner, but also for the lender.

If negotiations fail, and our client has valid complaints against the lender, we file suit in court. This action immediately gets the lenders undivided attention, and puts us in a position to be heard.

Fortunately, the big lenders hire "Big Name" experienced law firms who understand mortgage laws very well. These seasoned attorneys do not usually hesitate to settle when faced with facts against their client. Thus, many cases will settle before trial, which means less hassle for our client and for the lender.

Order your Forensic Loan Audit Now!

How is a Forensic Loan Audit structured?

All of our loan audits follow these guiding queries:

• Did the lender provide a good loan?  

• Did they qualify you for a loan that you could not afford?

• When underwriting your loan, did they "stretch" their guidelines?

• Did they discriminate against you because of your race or color or religious beliefs?

• Did they tell you one thing, but delivered something different at the closing?

• Did they comply with all States and Federal Laws?

• Did they provide the correct documentation to you at the proper times? Was it filled out correctly? And did you understand what was being provided?

The best way to get your lender to listen to you is by presenting a legal case to them, along with proof that they committed errors in underwriting,  approving, and funding your loan.

Lenders and Wall Street investors do not want a legal battle on their hands, and will likely allow a loan modification to take place, if it is truly based on legal facts.

Armed with very expensive attorneys, lenders know it is cheaper to modify your loan instead of spending as much as $650.00 per hour to litigate.

Get the facts! Get your Forensic Loan Audit done. Know your Violation Severity Alert (VSA) level, speak with an attorney, and fully understand what you must do to save your home, so you can start rebuilding your life!

Order your Forensic Loan Audit Now!

At National Loan Auditors, we perform a complete Forensic Audit in accordance with specific state laws and statutes.

From the Audit, you will find out if you have been deceived in any way by the Lender, Title Company, your Broker, and your Realtor. You will also be apprised of  and/or your Lender has committed any state or federal loan violations.   

Our Team of Loan Compliance Auditors are seasoned professionals with audit expertise in state and federal laws, mortgage compliance and underwriting. We provide Forensic Loan Audits nationwide.

Our compliance experts have performed thousands of audits nationwide. Our personnel have earned the respect of the world’s largest banks, Wall Street investors, attorney's, and regulatory groups. We have the experience and leverage you need to obtain a favorable outcome.

What Do You Receive When You Purchase Your Forensic Loan Audit 

Our Forensic Audit Process will determine if Your Mortgage Lender has acted in Compliance with RESPA, TILA, and Local, State and Federal Regulatory Lending Guidelines.

• The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. RESPA requires that borrowers receive certain disclosures, spelling out the costs associated with the settlement. Other Disclosures outline lender servicing and escrow account practices and describe business relationships between Lenders and settlement service providers.

• The Truth in Lending Act (TILA) was first passed in 1968. The law is designed to protect consumers in credit transactions by requiring clear disclosure of key terms of the lending arrangement and all costs.

After your Audit is completed, we will review the findings and if there are any serious issues or illegalities that have been found, they will be outlined in the report. Our affiliate attorney's may also choose to write a letter of opinion for you along with a proper course of action that should be followed.

At your option the mitigation or modification process will begin, and the attorney will work with your lender, or lenders, to restructure your current loan (s) by providing both a legal opinion, and a professional course of action, they will attempt to formulate a plan that you and your lender can accept.

We fully understand that you have a serious problem and only a short time to overcome the real possibility of losing your property, so time is of the essence.

We are a group comprised of experienced compliance auditors, financial professionals who work with attorney’s in each State, that understand Real Estate law, compliance, and that federal rules and lender foreclosure policies often conflict.

Few people outside the banking world have the knowledge to work with your current lender to restructure your loan.

In addition to providing the most comprehensive Forensic Loan Audits available anywhere, National Loan Auditors can also provide the expertise of a group of Real Estate and California bankruptcy professionals including mortgage, Real Estate, and bankruptcy lawyers. 

Our affiliate attorneys diligently try to help our clients get a loan modification, protect our client's credit, avoid foreclosure, stop foreclosure, and, when there is no other choice, clients may elect to file bankruptcy.

Call us today for immediate assistance with any of the following: forensic loan audits, loan modification, short sales, mortgage rate reductions, stopping foreclosure, avoiding foreclosure and (if absolutely necessary) bankruptcy solutions.

No company knows more about how Lenders and Wall Street investors operate than National Loan Auditors. The more time you give us to prepare a Forensic Loan Audit and then we can refer to a local attorney that can negotiate with your lender, the better chance we'll have of obtaining a favorable outcome for you.

Fortunately, many lenders have the goal of keeping their financial losses to a minimum! If you are currently having trouble paying your mortgage, or you anticipate having trouble--no matter what the severity!--do not delay.

National Loan Auditors
Saving Dreams One Home at a Time!

Order your Forensic Loan Audit Now!