We make your lender produce the Note!
Many people have been affected by some pretty bad home loans over the last bunch of years. Some of these bad mortgage loans are even older than that.
The reason people have to get a lawyer to help them with their mortgages when buying a home is because most people either aren’t going to read all the paperwork, or won’t understand everything that’s being said. A housing lawyer is supposed to be there to protect you from any worries as it pertains to your contract. To people in California, Nevada and Florida, you’ve seen how well that worked out for you.
The truth is that your lawyer probably didn’t explain anything to you about your loan. All they usually do is have you come into the office and sign a bunch of papers, and you do it because you trust them to look out for your best interests. Well, that doesn’t always happen, unfortunately. Some lawyers who say they specialize in this field get so many requests that they can’t handle them all. So they go looking for specific items within the contract, that they’ll usually know where to find, and if they don’t see it then they think the contract is good. And, of course, many consumers end up in trouble on the back end.
It turns out there might be something you can do to help you out of a bad situation. We can do what’s called a "forensic loan audit evaluation". Basically, there are law practices out there whose only concern is to fully evaluate every line item of a contract to see if it violates any laws of either the state or the federal government. That includes any sneaky language that may have put you in a bad financial strait. And, if they find anything, it’s possible that you can either void the contract, get the contract terms changed, and sometimes you might even get money back from someone.
How does this help your situation? If you’re suffering from mounting debt, or you’re close to having your home foreclosed upon because the payments have increased drastically, you might be able to force the people who sold you the house to negotiate with you. If they refuse, and the contract is found null and void, you can move out and no one can come after you for the money. They also can’t foreclose on you because they had you sign an illegal contract. In essence, you could be scot-free and clear of any liabilities and responsibilities. And, once the bank knows this, they may be willing to renegotiate the terms of your deal, rather than have a home on their hands that they can’t even sue to get anything out of it. They also can’t get any insurance payments for default because they’d have to acknowledge the illegal terms in the contract.
The price of a forensic audit evaluation might seem steep to some, but compared to what you might have to lose, it could be the best money you’ve ever spent.
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