Homeowners Facing Foreclosure Fight Back With Forensic Loan Audits

May 16, 2010 - PRLog -- Many homeowners have learned that one or more laws were violated when there loan was originally funded. These violations in most cases relate to Real Estate Settlement Procedures Act (RSPA), Truth-In-Lending Act (TILA), and Article 32 Predatory Lending.  These findings for many distressed homeowners has meant the difference between losing and saving their home.

According to top law firm Janian & Associates, "Loans with illegal terms or conditions are not enforceable. Foreclosures resulting from illegal loans are also not enforceable. The foreclosure process is stopped when litigation on a questionable loan begins."

Homeowners are fighting back by getting Forensic Loan Audits.
http://janianandassociates.com

A Forensic Loan Audit is a thorough investigative report used to identify infractions and violations that may or may not have been perpetrated by the mortgage lender or broker when they originally funded a loan. Loan audits are often used in the loan modification process as leverage in the negotiation process.  This report is critical because it draws attention to laws that were broken, if any, by mortgage lenders or brokers.

An attorney can press a mortgage lender to take action on a homeowner's case in the homeowner's favor, and a forensic loan audit can help to successfully modify the homeowner's loan.

Instead of relying upon an unqualified loan modification company or doing it yourself, the Law Offices of Janian and Associates strongly encourage homeowners to work with an experienced team of loan modification lawyers. The firm is offering free consultations to distressed homeowners facing foreclosure.

http://www.youtube.com/watch?v=iVvZj8L2pxs



Janian & Associates attorneys are recognized for their expertise in the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA) and have gained the respect and attention of lenders for over 27 years.

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Janian and Associates is a full service law firm with various practice areas such as: Loan Modifications, Mortgage Fraud Litigation, and foreclosure help consultations (Short Sales and Deed in Lieu of foreclosure help). To find out more information about the loan modification process visit www.janianandassociates.com