A Forensic Mortgage Audit (FMA) is a comprehensive review and analysis of all documentation related to an existing real estate loan. It identifies infractions and violations committed by your lender and/or broker when they originally funded your loan.

A Forensic Mortgage Audit can act as the starting point when seeking a loan modification, or when involved in litigation of foreclosure defense. It will uncover and identify any errors, unfair or predatory lending violations, overcharges or other lending violations made during the mortgage process. The FMA also determines if the mortgage is in compliance with RESPA, TILA, APR and other regulations. The report includes an initial client phone interview and a phone consultation to review the report's findings.

To a large extent, these violations are the leverage used to argue your case against your lender. Generally, the more violations, and higher their severity, the better chance you have of obtaining a successful result.