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We are a Consumer Advocacy and Mortgage due diligence firm that works on behalf of Homeowners. Millions of homeowners are unknowing victims of predatory mortgage lending and our goal is to empower them with the necessary ammunition to ‘fight back’ against their ‘bad loans’ in order to protect their ‘American Dream’. In the last 10 years, 90% of mortgage loans closed have an average of 31 violations. If you are a victim, there is a Mandatory Federal penalty of $2,000.00 for every violation of predatory lending practices that was violated. When theres “TITLE VIOLATIONS”, there is a very strong possibility that the borrower could receive a Free and clear title, and have their home re-conveyed to them. There is also legal remedies to recover damages through TILA(Truth In Lending Act). They include violation fines, voiding the lenders security interest in the property and collecting monetary damages. We can do a Pre Screen Manual audit of your documents for a minimal Fee! We are a team of counselors, paralegals and independant auditors working exclusively with a network of competent attorneys to help you enforce your rights to a fair and legal mortgage. Our use of cutting edge mortgage banking technology combined with our experienced legal team and our extensive relationships with most major banking institutions assures that our customers have the best team working to obtain the best solution and outcome to your current mortgage situation. Our service is very specialized and imperative in identifying if a borrower is a victim of predatory lending. A team of specially trained experts reviews all loan documents and performs a thorough investigation for miscalculations and to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes. WE are comprised of a team of professional organizations specializing in the research and analysis needed to even the playing field with Lenders and successfully negotiate(1) Principal Reductions, (2) Interest rate Reductions and (3) Loan Modifications and Free and Clear titles on behalf of homeowners. Our service is focused on providing the most highly reliable and dependable "Premium Loan Audits" and Title searches in the industry, as well as Qualified Written Requests, Demand Letters, Notice of Rescission letters, Securitization Audits, Civil Complaints, Temporary Restraining orders to “Stop the Sale”, and other outside litigation support to homeowners. It’s the experience in the intricacies of all mortgage loans that allows our researchers and auditors to uncover the myriad of lender mistakes and undisclosed legal ease in RESPA, ECOA, TILA, HMDA, and APR that exist in most mortgage loans in the market today. AAA provides the most competent and comprehensive loan audits in the industry. Each Loan Document is carefully reviewed by a certified professional for violations of State and Federal law, administrative code and regulations, and agency advisory opinions on the subject transaction. Each loan Audit is reviewed for compliance by a qualified and experienced Attorney. Additionally, AAA will provide our customers with Qualified Written Requests to the Lender[s] for documentation, and Qualified Written Demands issued by the courts, to the Lenders, necessitating a formal response from the lender pursuant to RESPA laws. Qualified Written Demands are demand letters carefully crafted by Paralegals or Attorneys which outline the material violations, breaches of duties, and deficiencies found by our experienced Auditors. The Demand will also include a list of Borrower Demands to the Lender and the potential Borrower Remedies, including rescission. The Attorney can than make an independent analysis based on the summary findings, and/or use this demand as their template and send to the Lender[s]. Legal Disclaimer - Not Legal Advice The information presented on this web site or in our literature is not to be construed as legal advice. Legal advice must be tailored to the specific circumstances of each individual and case. Every effort has been made to assure that this information is up-to-date as of the date of publication. It is not intended to be a full and exhaustive explanation of the law in any area. This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the advice of your own legal counsel. Always consult an attorney for your state laws on any legal decision you need to make. This website is for information purposes and is not specific advice to any one reader. |
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