Secure Defense Audit Services
Loan Audit Services
Secure Defense Audit provides nationwide document and securitization reviews for borrowers who want a clearer view of the records connected to their loan. Depending on the review selected and the records available, that may include origination documents, payment histories, assignments, servicing records, and related public filings.
Loan Audit Services by Loan Type
Different loan types involve different records. Start with the section closest to your situation. Each service page explains the records commonly reviewed and the questions that may be worth documenting.
Mortgage Document Review
A mortgage review can bring together closing documents, payment history, escrow records, recorded assignments, servicing correspondence, and other available records. It is designed to help you understand the document trail connected to a mortgage.
Learn about mortgage audit services or read the mortgage audit guide.
Auto Loan Document Review
An auto-loan review can examine the retail installment sales contract, account statements, payment history, add-on charges, and available assignment or title records. The purpose is to organize the available paperwork and identify questions that may need further review.
Student Loan Record Review
Student-loan questions can depend on whether the loan is federal or private, the account history, promissory note, servicing notices, and payment records. A review can help organize the documents available for a closer look.
Credit Card and Personal Loan Record Review
For credit-card accounts and personal loans, the available record may include account agreements, billing statements, collection correspondence, payment history, and assignment documents. The review focuses on the documents that are available for the account.
What a Loan Audit May Cover
The scope of a review depends on the service selected and the records available. Secure Defense Audit may organize and document questions related to:
- The available chronology of loan origination, servicing, transfers, or collection activity.
- Loan documents, account statements, payment histories, and correspondence supplied for review.
- Recorded assignments, endorsements, trust documents, or related public filings where they are relevant and available.
- Questions about payment application, fees, interest calculations, notices, or other items shown in the records reviewed.
- Missing, inconsistent, or incomplete records that may warrant additional document collection or discussion with a qualified professional.
A documented question or inconsistency is not a legal conclusion and does not determine the outcome of a dispute. The value of a review is a clearer, more organized record for your own understanding and for any qualified professional you choose to consult.
When Securitization Records Are Relevant
Some loans have a history that includes transfers, servicing changes, or trust-related records. Where those records are relevant and available, Secure Defense Audit can organize the document trail so the sequence is easier to understand. This may include reviewing recorded documents, available transfer records, and trust-related materials.
For a focused explanation of this type of review, see securitization audit services.
How the Review Process Works
Gather the documents that relate to the loan or account. A complete set is helpful, but you can begin by identifying what is available.
Select the loan type and available service information that best match the documents and questions involved.
The review brings the relevant documents, dates, statements, and other available information into a structured record for analysis.
The resulting materials identify the documents examined, the records located, and the questions or inconsistencies identified in the review.
Your report is intended to help you understand the records reviewed and prepare for your next conversation. It does not replace advice from a licensed attorney or other qualified professional.
Documents That Can Be Useful to Gather
The records vary by loan type. The following documents are often useful if they are available:
- Loan agreement, promissory note, retail installment contract, or account agreement.
- Closing disclosure, HUD-1, or other origination disclosures, where applicable.
- Monthly statements, payment records, escrow records, and payoff figures.
- Notices, letters, emails, and other communications from the lender, servicer, collector, or trustee.
- Recorded assignments, deeds of trust, mortgages, or other public records, where applicable.
- Any timeline you have created that explains when payments, transfers, notices, or disputes occurred.
Use the loan audit document checklist to organize the records you have before selecting a package or contacting Secure Defense Audit.
Review Available Audit Packages
Compare the available package information and select the option that fits the loan records you want reviewed.
View Audit PackagesQuestions about the available audit packages? Call 888-450-4221.
If you need help deciding where to begin, visit the Secure Defense Audit contact page.
Important: Secure Defense Audit provides document and securitization analysis for general informational purposes. Secure Defense Audit does not provide legal advice or legal representation. The information on this page is not a promise of outcome and is not a substitute for advice from a licensed attorney or other qualified professional.
Sources We Work From
Every finding in an SDAudit report is tied to a record you can look up yourself. Trust identity, cutoff dates and pooling and servicing agreements come from the SEC’s EDGAR filing database. Assignment and recording history comes from county recorder records and the publicly searchable MERS Servicer ID lookup. Servicing, disclosure and dispute obligations are set out in Regulation X and Regulation Z, and perfection of security interests is governed by UCC Article 9.
Before You Hire Anyone
Loan auditing is a field with a real history of bad actors. The Federal Trade Commission has warned consumers about firms that sell forensic loan audits as a guaranteed route out of foreclosure, and the Consumer Financial Protection Bureau has brought enforcement actions against companies that did so while charging illegal advance fees. Read both before you pay anyone in this industry, including us.
What we sell: a document review at a published flat rate, delivered on a stated timeline, with each finding tied to its source record. What we do not sell: legal advice, legal representation, foreclosure relief, loan modification, or any promise about the outcome of a dispute. Those conversations belong with a licensed attorney in your state.