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Today’s predatory lenders are responsible for predatory foreclosures. While the lenders spend month after month pretending to modify your loan, they can and do ramrod foreclosures through at record speeds, and why? Because they don’t bother to follow the laws, regulations or guidelines when foreclosing. Predatory lenders passed out predatory loans for more than a decade, now they are actively engaged in predatory foreclosures.

As has been made clear by a number of studies, news releases and private sector companies: the American public have been mislead to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind by giving him a loan mod. Statistics are showing that 80% of the homeowners who try to work directly with the bank to get this “help” are in fact turned down for modification.

Over the past several days three of the major banks have released to the news that they have stalled foreclosures. A closer look reveals that the lenders GMAC, Chase, and Bank of America have only stalled foreclosures for an estimated two to four week window in 23 states. The 23 states are those which specifically use the judicial system to get foreclosures completed. This means that if you are in a state that does what is known as a non-judicial foreclosure, such as California, then your foreclosure is not stalled.

News reports have revealed that these three lenders were using “Robo-signers” to sign affidavits.

At the root of all three announcements are „robo-signers,” middle managers who sign affidavits that allow banks to repossess homes that are in default, without properly reviewing the loan documents. One GMAC employee, Jeffrey Stephan, admitted in depositions that he authorized up to 10,000 foreclosures a month without seeing the files associated with them. At Chase, Beth Ann Cottrell, a robo-signer in Ohio, told a lawyer in a sworn deposition that she signed off on about 18,000 foreclosure affidavits and other documents a month without reviewing all the files. -Wall Street Journal, October 2nd, 2010

And what can we predict for the homeowners in those 27 other states, where the lenders’ actions are not monitored by the courts? Simply put: a free for all. Homeowners please be diligent and most of all. Watch your backs! Don’t listen to your lender, don’t believe your lender. He has just lost the ability to foreclose in almost half of the US. There is only one thing on his mind: He’s got to replace those lost foreclosure revenues, and FAST!

As more and more homeowners get forensic loan audits done on the loan they were given by the bank, it becomes painfully clear that the bank violated federal laws when they gave that loan. The American homeowner has been preyed upon by the banking industry for more than a decade.

The lender is not going to help you – unless there’s money to be made in it for him -enough money to make it worth his while.

What is the actual fact of the situation? The banks need to appear profitable. Every year in the banking industry, the fourth quarter is the quarter to clean up the balance sheets. Now one of the best ways to do that is to remove as many non-performing loans from the books as possible. And that is done through foreclosure. The banks can also collect on insurance policies for those bad loans. And that is more money in the coffers. Coming through the fourth quarter in as profitable of a position as possible is the goal of the banker –not modifying your loan. With almost half of his foreclosure market currently gone, he is going to be in full foreclosure frenzy wherever he is not being regulated, restricted, and watched.

If you have not gotten yourself any type of professional assistance, now is the time to get it. And if you are not using forensics to show the lender the kind of illegal loan that he wrote for you to sign, then chances are you will become a fourth quarter foreclosure statistic. Arm yourself. Save your home. Don’t be mislead.

Homeowners don’t have to stand alone, they don’t have to be abused and preyed upon. They just need a professional on their side and that would be the trained professionals at Tila Solutions. Visit their website http://www.tilasolutions.com/ to learn more about this company and what they can do for you. Or Call a Tila Solutions Consultant at 1 — 7 0 2 — 5 0 8 – 0 3 3 5. They are busy saving homes. They know the lender lies and deception. They know how to use a forensic loan audit to actually get you a real loan modification. If you really don’t want to lose your home, just call them.

Key Words: foreclose lender, homeowners, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, predatory foreclosure, Bank of America, GMAC, Chase stalled foreclosures, forensics, forensic loan audit

As the months pass and more and more homeowners have utilized Forensic Loan Audits to show that they are stuck in Predatory Loans, which they can never hope to repay, the crisis builds and builds for the banks.

One such example of this crisis is a recent lawsuit where the Federal Home Loan Bank of Chicago sued BofA, Citigroup, Goldman Sachs, and Wells Fargo for the more than $3.3 billion in residential mortgage backed securities these banks sold them. In short, it seems the big boys lied when they sold predatory loans, claiming they were safe.

It was described best in this recent article from Bloomberg on October 15, 2010:

Federal Home Loan Bank of Chicago sued lenders including Bank of America Corp. claiming their failure to disclose relaxed subprime mortgage underwriting standards, led it to unknowingly buy risky mortgage-backed securities.

A little bit later in the article, it states,

“The defendants did not tell the bank the truth about the loans that comprised the mortgage pools,” underlying the securities, the Federal Home Loan Bank alleged. While it believed it was acquiring “safe” securities, “in fact the bank purchased a toxic stew of doomed mortgage loans,” according to the complaint.

As we have all watched the new round of lies and fraud be revealed in the media, illegal foreclosures, fraudulent loans, homes auctioned despite loan mods “in review”, it becomes clear that at long last the bank can no longer try to pretend that their hands are clean and they are the innocent victims in this financial meltdown they created.  And though there may be comfort in that, the homeowner is still the innocent victim getting railroaded by the bank.

Unless he chooses to fight back and take a stand against the bank and demand recourse for his predatory loan.  Of course, he will have to have the proof that it is a predatory loan, and that is why he needs a forensic loan audit.

The forensic loan audits that Tila Solutions conducts for homeowners have repeatedly shown exactly what this suit strikes at.  People were put into loans without proper qualification.  In many cases there was no underwriting, or very lax underwriting.  The people who were approved for these loans never had a chance of being able to pay them back.  This is just one of the many areas that the TILA and RESPA laws are there to prevent.

In September there were more than 100,000 foreclosure filings across the US.  For the year, more than half a million foreclosure filings have already occurred.  It is now estimated by some that before this mess is finally resolved, there could be millions more in foreclosure.

But, the question in most homeowner’s minds is why do the banks feel the need to foreclose at all?  The loan modification tool has been made available to lenders and homeowners.  Why not use it?

The answer is simple; unless the banks foreclose they cannot recoup their losses through insurance policies.  In fact, it is why the Forensic Loan Reviews have saved so many people from foreclosure.  A thoroughly done set of forensics on a loan, coupled with expert loan negotiations can bring a foreclosure to an end and finally result in a loan modification because the lenders are at risk of losing their insurance payoff once the forensics are in the file.

Homeowners struggle constantly in trying to determine who to believe:  The bank that has them in foreclosure while modifying their loan?  Or the private sector company who has the ability to show all the lies from the very onset of that loan and get the bank to modify as a solution to everyone’s problems.

The answer is simple:  The banks have been revealed to be fraudulent in most aspects of business, so it is safe to operate from the viewpoint that they will not modify your loan, and will complete the foreclosure.  Protect yourself and get Tila Solutions to help you.

It is probably time you contacted a Tila Solutions Consultant to get real help.  Just remember this:  The bank wants your money and your home.  Take action and give yourself a fighting chance.  Get a Forensic Loan Review and let the people at Tila Solutions to negotiate new terms for you with the bank.

Tila Solutions can be contacted at 702 508 0335.  You can find out more about Tila and Forensic Loan Reviews at http://www.tila-now.com

TAGS: forensic Loan Audits Tila Solutions, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, predatory loans, Fraud, subprime loans, toxic loans, Bank of America, Citigroup, Goldman Sachs, Wells Fargo, TILA, RESPA

A Forensic Loan Review or Forensic Loan Audit, sometimes also called a Mortgage Audit is a thorough investigation of the loan that the bank gave you. This audit is done to locate all the Federal Laws that were violated by your bank when they created the loan they offered to you or your broker for you.

Tila Solutions is an Audit Company. They investigate loans given by the banks to determine if the bank violated any of the federal laws that protect the homeowners. Ultimately, if you have a predatory loan, you will need a Forensic Loan Audit. If you feel that the lenders mislead you, withheld information from you, rushed you, or possibly gave you a loan that could contain fraud then you will want to get your loan investigated.

Tila Solutions Examiners work with the Federal Laws that protect you as a borrower. Probably when you signed your loan documents you heard or saw reference to TILA, RESPA, HOEPA and ECOA. Those laws were passed to help prevent you from getting a loan that you won’t be able to pay back, which is often known as a predatory loan. They are also supposed to ensure that you understand the loan.

Tila Examiners also look for fraud and they investigate the loan to see if it complies with other federal regulating bodies and their guidelines. The fraud they look for is fraud committed by the banks – and their investigations have shown that the banks committed much fraud over the past decade!

When homeowners get turned down by the bank for a loan modification, a forensic loan audit is the critical first step to turning that around. Banks are not in the business of helping people; they are in the business of making money. The bank is not interested in giving you a lower payment, because you are experiencing hard times. They are only interested in seeing the loan they gave you “perform”.

In many cases the bank calculations will show that they can make more money or experience less risk (or both) if they do not give you a loan modification. Normally that means you will be in foreclosure and losing your home. The Forensic Loan Audit is your most powerful weapon to show that foreclosure is no longer a money-making option for the bank.

A performing loan is a loan that has a monthly payment coming in on time. The bank gets a nice profit for very little risk. This is all they want, and sadly, if you are not going to give them their money, then the bank will calculate the risk of modifying your loan against other methods of making money.

And that is why you need to get Tila Solutions to conduct a full forensic loan audit for you. Simply put the bank loses much of its power and ability to travel down other money-making avenues if the loan contains federal violations of TILA, RESPA, HOEPA, ECOA or if fraud is found when the investigation is done. Tila Examiners will meticulously go through your loan looking for all the federal violations.

This is very important: Once the Forensic Loan Review is completed, something effective must be done with it. Lenders actually tell homeowners it makes no difference (doesn’t it remind you of a criminal pointing out that the police won’t stop him) but don’t believe it for a minute. That is why Tila Solutions offers a free service to help negotiate on your behalf. The Lenders push borrowers around and mislead them all the time. Tila Solutions Negotiators will work on your behalf to make sure that you get your loan modification.

Tila Solutions has a homeowner hotline that you can call. Their consultants can help you identify if you have a predatory loan. They can help you determine if your loan is in need of a Forensic Loan Audit.

You should contact a Tila Consultant if you have been turned down for a loan mod, or if you are nearing or are in foreclosure. Tila Consultants can help people who are current on your loans or those with investment properties. A Forensic Loan Audit helps with these types of loans.

The Tila Solution website is loaded with information – go to http://www.tila-now.com to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions. You can call a Tila Solutions Consultant at 702 – 508 – 0335.

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