How to Choose the Best Mortgage Audit Company When you suspect your lender has made a mistake, finding the right help is critical. The internet is full of companies offering to review your loan documents, but not all of them provide the same level of service. If you are searching for the best mortgage audit … Read more
What to Do If You Are Facing Foreclosure in San Diego Receiving a Notice of Default is one of the most stressful experiences a homeowner can face. If you are facing foreclosure in San Diego, the clock is running, but you are not out of options. California has specific foreclosure laws and procedures. Lenders and … Read more
You have done everything right. You spotted the error on your statement, gathered your original documents, and sent a formal letter to your lender explaining exactly what went wrong. And their response? A generic form letter denying the mistake, or worse, total silence. When a lender refuses to fix a documented error, it is time … Read more
What to Do If Your Student Loan Servicer Made a Mistake Student loan servicing has been chaotic in recent years. With loans being transferred between different companies, changes to repayment plans, and shifting federal policies, mistakes are incredibly common. Borrowers often log into their accounts to find missing payments, incorrect interest capitalization, or that they … Read more
Auto loans are notorious for hidden fees and complex calculations. Dealership finance offices move quickly, and borrowers often sign digital pads without reading every page of the contract. It is only later, when reviewing statements or comparing the contract to the lender’s accounting, that you might notice the numbers do not match what you thought … Read more
What to Do If Your Mortgage Lender Overcharged You Finding out your mortgage lender made a mistake is frustrating, but realizing they have been overcharging you is infuriating. Most homeowners assume their monthly statements are perfectly accurate. The reality is that lenders and servicers make errors frequently, from misapplying payments to charging unauthorized fees. If … Read more
When you receive a forensic securitization audit report, you are looking at a legal document, not a financial summary. Understanding how to read it, and what the findings actually mean, is important whether you are reviewing it yourself or handing it to an attorney. The Executive Summary Every SDAudit report begins with an executive summary. … Read more
Of all the defects we find in securitized loans, PSA cutoff date violations are among the most significant. They are also among the most commonly overlooked, because they require knowing the specific terms of the governing trust agreement, not just reviewing the loan documents themselves. What Is a PSA Cutoff Date? Every securitization trust is … Read more
Most people have never heard the term “securitization audit” until they are already in a dispute with their lender. That is a problem, because understanding what securitization is, and what an audit actually does, is the first step toward knowing whether you have any leverage in your situation. What Is Securitization? When you take out … Read more
Choosing an auto loan audit service? This guide explains what to look for, how to compare providers, and questions to ask before hiring.
