They know things are not right.  They know their mortgage seems to be too high, but they don’t know if they are the owners of a predatory loan.  Knowing if your loan is predatory is a critical first step to being able to gain a foothold over your lender and get real solutions such as a real loan mod.

The best description of a predatory loan is that it is a loan that puts you on the road to foreclosure the moment you signed the documents.  You were destined to fail – and sadly the bank knew it, but gave it to you anyway.  It is one of the reasons that homeowners feel so betrayed by the banks today.  It is one of the key reasons why they feel so untrusting and uncertain of which way to turn.  They feel let down and lied to, and now made to suffer for it.  When they failed, the government didn’t bail them out, but instead told the banks to while the homeowner footed the bill. But, the government provided no real oversight to ensure the banks cleaned up the mess they made.  The homeowner still finds himself left out in the cold, with nowhere to turn.  That is why so many come to Tila Solutions for help.

The best way to try and determine if you may have a predatory loan is to look at your own financial situation.  Is the loan wiping you out financially?  Are your monthly payments, including taxes and insurance consuming more than 31% to 38% of your net income?  If it is then there is a very good chance that you have a predatory loan.  Keep in mind this is not the only sign.  You have to know all the signs.

What will the loan be doing in the future?  Do you have an adjustable rate?  Is there a balloon payment?  Will the escrows in your area continue to go up, and if so, how long can you survive with your current payment?  You can’t just look to the current picture.

How high is your interest rate?  Were you given a fair and just interest rate, or were you penalized with a higher rate because you were considered too high of a risk?

What happened at the closing?  Did you sign the loan you were promised?  Were you told that things changed and they couldn’t give you the loan you were originally offered after all?  Were you out of time and had to take what they gave you?

This is not a complete list of the areas that help you identify whether or not you have a predatory loan.  One thing to keep in mind:  Most subprime loans are predatory loans.  If you were put into a subprime loan, then there’s a good chance you have a predatory loan.

Did the broker operate in your best interest or his?  You may not know, but a Tila Examiner will find out who financially benefitted from that loan!  It is important to understand that there are several layers that have to be peeled back to reveal the true impact of a predatory loan.

Tila Solutions receives countless calls and emails from people who have been led to believe there is no way to save their homes.  They call Tila because they need help.  Real Help – not false hope.  Tila is not a loan mod company, they are an audit company.  With their forensic loan audits, they help people save their homes and get the loan mods the banks refused to give previously.

Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of  the homeowner just gets predatory treatment, lies and betrayal from the bank:  The homeowner does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification to give them a smaller  monthly payment.  Of course, the homeowners lose their home to foreclosure trying to keep up on the higher monthly payment.

And that is why people contact Tila Solutions every hour of every day.  They need real help and they get it. Tila Solutions comes on the scene and stops, prevents, or stalls foreclosure by revealing the crimes of the bank. Homeowners walk away with loan mods, not penniless and financially destroyed with no place to live.

TILA, RESPA, HOEPA, ECOA.  These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory loans that were passed out by the banks over the past decade.

A Tila Solutions Consultant is available for people by telephone at 1 — 307 — 459 — 0232 .  Or you can visit the Tila Solutions website at http://www.tilasolutions.com/.  Borrowers have so much power and strength when they know their rights and use these laws.  Tila Solutions helps them do this.

Tags : Forensic-loan-audit, loan mod, loan modification, foreclose, foreclosure, Goldman Sachs, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, forensic audit, sub prime, mortgage, predatory loan, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure

In many cases, when the lender is reviewing your paperwork to see if they will give you a loan mod, their calculations support that they can make more money at less risk if they do not give you that loan mod.  That is normally why foreclosure gets underway. The Forensic Loan Review is your most necessary resource to help stop foreclosure.

When a homeowner is rejected for a loan modification by the lender, a Forensic Loan Audit is the critical first step that he or she should employ to resolve the situation.  Banks are not and never have been there to help people; they are money makers- either you make them money or you don’t. If you don’t, then you are of no interest to them.  The lender does not consider hard times as a good reason to give you a loan modification.  They are only interested in seeing the loan they gave you produce a monthly payment made on time.  And if your loan is a violation-free loan, then normally you should have no trouble doing this, even when you are experiencing some hard times!

Tila Solutions is an Audit Company that investigates loans.  If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that there was any kind of “funny business” or pressuring to get you into that loan, then you should have it audited.  It helps you get the loan mod.

A Forensic Loan Audit, Forensic Loan Review or Mortgage Audit is a detailed examination or investigation of the loan that the bank gave you.  The audit is done to find all the Federal Laws that the banker violated.

Do you remember when you signed your loan documents? Do you recall reference to TILA, RESPA, HOEPA and ECOA?  Those laws were passed to help prevent you from getting a predatory loan – which is a loan that puts you on the road to foreclosure. These laws are also supposed to ensure that you understand what you are getting before you sign, and give you a choice to rescind.  Tila Examiners review all these Federal Laws that protect you as a borrower.

While Tila Examiners are conducting this investigation of your loan, they are also on the lookout for fraud committed by the banks, and they find plenty of it!

Tila Examiners will methodically go through your loan sometimes producing a report numbering in the 40-page range. As you may have surmised, your lender loses much firepower against you and no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.

Do you know that some people have been told that a Forensic Loan Review will do them no good!  This is false.  But do keep this in mind:  once the Forensic Loan Audit is completed, something must be done with it in an effective manner. Because lenders, who often seem to operate above the law, will tell homeowners it means nothing and that the homeowner just wasted his money, some homeowners just shut down, they need somebody on their side who knows what to do with the bank.   That is why Tila Solutions offers a free service to help negotiate on your behalf once the investigation is completed.  The Lenders push borrowers around and mislead them all the time.

Borrowers have to remember that it was these people who lied to them when the lender gave them the loan, and it is these people who are still lying to them.  Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.

A Forensic Loan Audit helps with commercial loans as well as a residential loan. If you have been turned down for a loan mod then contact a Tila Solutions Consultant. If you are nearing or are in foreclosure, a Tila Consultant can help.  They can also help people who are current on their loans or those with investment properties.

Just remember that the Tila Consultant is on your side.  You can call one of the consultants today at 1 — 3 0 7 — 4 5 9 — 0 2 3 2.  The Tila Solution website has much valuable information and a variety of solutions.  Visit at http://www.tilasolutions.com/ to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions.

Tags: Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, Mortgage Audit, predatory loan, Fraud, Loan Modification, loan mod foreclosure

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