Loan Audit Services

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.

Why Anyone Orders a Loan Audit

Most people arrive here for one of four reasons. It is worth naming them, because the right review depends on which one you are.

1. You cannot get a straight answer about who owns your loan. The servicer says one thing, a letter says another, and the county record says a third. A transfer-focused review assembles all three and shows you where they diverge.
2. Your payment history does not reconcile. You believe you have paid more than the balance reflects, or fees have appeared without explanation. A servicing review rebuilds the account from the servicer’s own records.
3. You are about to hire an attorney. Attorneys bill hourly, and a large share of early hours goes to gathering and organizing documents. Arriving with the file already assembled and indexed is often cheaper than paying someone to do it at their rate.
4. You simply want to know. No dispute, no deadline — you want to understand what is in your own file. That is a legitimate reason and a common one.

If none of those describes you, an audit may not be what you need, and we would rather say so.

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

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.