Frequently Asked Questions
Everything you need to know about our forensic securitization audit services, what we look for, and how our findings are used in arbitration, litigation, and negotiation.
How The SDAudit Process Works
Choose Your Audit Package
Select the level of scrutiny and detail that fits your needs and budget from our three comprehensive audit options.
Submit Documents
After payment, you'll be guided to our secure intake form where you can provide information and upload relevant loan documents.
Receive Your Audit Report
Our Audit Engineers will analyze your documents and deliver a comprehensive report with findings and potential next steps.
Why Choose Professional Auditing?
Many borrowers are surprised to discover errors in their loans. Our specialized audit process identifies issues that could lead to reduced payments, cash refunds, or even loan dismissals in some cases. With access to proprietary databases and expert analysis, we find what others miss.
FAQ Categories
General Questions
What exactly is SDAudit?
SDAudit is a forensic securitization audit firm. We specialize in tracing the chain of ownership on securitized loans, from origination through trust assignment, and identifying every point where the transfer broke down, was recorded late, or was never properly executed. Our Audit Engineers have backgrounds in banking, securities law, title services, and forensic accounting. This is not a generic document review service. We build documented cases.
What types of loans can you audit?
We audit any loan that has been securitized or sold into a trust structure. That includes mortgage loans, auto loans, student loans, personal loans, and credit card accounts. If your loan was originated after 2000, there is a strong probability it was sold into a securitization trust. We can verify that, identify the trust, and audit the entire transfer chain.
How is SDAudit different from other audit services?
Most audit services produce a checklist. We produce a case. Our reports are built with the same rigor as litigation exhibits, because that is often exactly where they end up. We cross-reference SEC EDGAR filings, PSA terms, MERS records, and trust-level data to verify every link in the chain. We also provide an Expert Witness Affidavit in our top-tier packages, signed by a certified forensic examiner, which is something most audit services cannot offer.
Do I need legal problems to benefit from an audit?
No. Many clients order an audit proactively, before any dispute arises. Knowing what is in your loan documents, and whether the entity claiming to own your loan actually has a clean chain of title, is valuable information regardless of your current situation. That said, if you are already in a dispute, facing foreclosure, or dealing with a collection action on a securitized debt, a forensic audit can be one of the most powerful tools available to your attorney.
Are your audit reports confidential?
Yes. All client information, loan documents, and audit findings are treated as strictly confidential. We do not share, sell, or disclose client data to any third party. Your audit report is prepared exclusively for your use and is delivered through our secure client portal. We take data security seriously and operate under a strict non-disclosure policy.
How Our Audits Have Helped Others
Payment Reduction
"The audit found a PSA cutoff date violation on my auto loan. The assignment was recorded 47 days after the trust closed. My attorney said that single finding was worth more than anything else in the file." - R. Castillo, Auto Loan Client, Nevada
Full Loan Dismissal
"I had three different entities claiming ownership of my mortgage. The audit traced every assignment and found two of them were executed with forged notary stamps. That report is now part of my arbitration filing." - S. Nguyen, Mortgage Audit Client, California
Cash Refund
"The SDAudit team found that the trust claiming to own my loan was never properly funded under the PSA. The note was never delivered to the trustee. My attorney used that finding to challenge standing and the case settled within 60 days." - T. Okafor, Legal-Grade Audit Client, Georgia
Ready to Discover What's in Your Loan?
Our audits have been used in arbitration, litigation, and negotiation across all 50 states. If your loan was securitized, there is a very real chance the chain of ownership has a defect. Let us find it.