Category Archives: loan modification

Deficiency Judgments

Deficiency Judgments How does one avoid a deficiency judgment? Is my lender going to come after me with a potential deficiency judgment? Is a foreclosure deficiency judgment the same as a short sale deficiency judgment? What effect does bankruptcy have

Forensic Loan Audit-Forensic Loan Auditors

Forensic Loan Audit  Forensic Mortgage Audit What is a forensic loan audit and do you need one?  Well lets talk about that.     In my opinion the following are a list of criteria from which you can safely know that you

Qualified Written Request-Step by step

Qualified Written Request-QWR Step by step instructions The following is a FREE sample QWR you can send to your lender/ servicer /bank to validate the amount your lender states that you owe and question your lenders methods and calculations.    For

Forensic Mortgage Audit-Mortgage Violations

Forensic Loan Auditing uncovers Mortgage Violations

Debt to Income Ratio: How it affects your Mortgage

Debt to Income Ratio When you are going to buy a home one of the first things the mortgage lender or bank is going to need to know is your DTI or debt to income ratio.  This allows them to