American Loan Audits
Forensic Loan Audits, Mortgage Compliance Audits

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For $200, we will do a quick review of recorded documents and some other documents that you send us,
as well as either MBS data or Bloomberg Securitization date that you can optionally purchase.
Full Securitization Audits and/or Forensic Audits are also available at additional charge.

Step 1: $200 Quick Review of Documents

We can do a quick review of your Documents,
and just give our opinion of the most glaring errors.
We will review the Origination Loan Documents and Recorded Documents
that you provide,
such as Deed of Trust/Mortgage, Assignments, Substitution of Trustee,
Notice of Default, Deed, Court documents, letters, etc.,
and the Bloomberg data or MBSdata, if you purchase it,
and give you a brief analysis.

Optional Step 2 a: $700 Purchase Bloomberg Securitization Data

If the Assignment is to a Securitization Trust,
this may give you important background info.
This is not an audit
(which can be purchased for an additional $1,000)
but is the data that can be used
in a Securitization Audit or directly.
It is recommended that you first pay the $200 for Analysis.

Optional Step 2 b: $400 Purchase MBS Data

If you haven't paid your Mortgage Payment for a while,
this may give you important background info.
This is not an audit
(which can be purchased additionally)
but is the data that can be used
in an Audit or directly.
It is recommended that you first pay the $200 for Analysis.

If your loan is within 3 years of Origination, you might be able to find TILA and RESPA errors.
For those cases, we can offer an automated Compliance Ease audit,
which recalculates everything to verify their numbers, and looks for basic violations.

With a more extensive analysis, we will also do a cursory check for the Securitization Trust that you may be in (not a full Securitization audit),
or we can get you a full Securitization Audit or a full Forensic Audit.

Most Properties are under-water, so Second Mortgages usually have no equity to cover them, but for $200 more we will also audit the 2nd.

We are not Attorneys, and can't give legal advice, and we don't help with Loan Modifications.
The Analysis we provide can offer evidence that an Attorney or Loan Modification facilitator may be able to use,
to get you a Loan Modification, or file a complaint in court.

Attorneys: call us - we can audit for you for less.
Hefty Referrals for Brokers and Loan Mitigators.

If you wish to purchase an audit by mail,
please mail payment to "Zero Out Debts Inc" at 5708 Candor St, Lakewood, CA 90713
Make a note on the Check that it is for an AmericanLoanAudits.com Mortgage Audit

Email Docs to (at )
For the Basic $200 Pre-Analysis, send:
  • Deed of Trust/Mortgage
  • Assignments
  • Substitution of Trustee
  • Notice of Default
  • Deed
  • Court documents
  • letters, etc.

For the Compliance Ease Audit:
with our Audit Submission Cover Sheet (fill-in PDF) and Doc Checklist
Initial Documents ( = always required):
1. Initial 1003 Application (or Initial App Date)
2. Good Faith Estimate
(if HOEPA, prelim HOEPA docs 3 days before signing)

Closing Documents
3. Final Truth-in-Lending:
       a) TIL Disclosure of Rate, Amount Financed & Finance Charges
       b) Notice of Right to Cancel
4. Itemization of Amount Financed
5. Note
    6. Addendum(s) to Note (if applicable)
7. Mortgage/Deed of Trust
    8. Riders to Mortgage/Deed of Trust
    9. PMI (private mortgage Insurance),
        or MIP (mortgage insurance premium)
        Information or Certificate (if applicable)
10. Estimated HUD-1 or 1A
11. Final HUD-1 or 1A
Appraisal, Survey, 1008, FEMA Flood Insurance,
Escrow Instructions, other Itemizations,
Sales Contract and other Loan Docs.

If you choose the ComplianceEase Audit, to speed up the process, download our Audit Submission Cover Sheet (fill-in PDF) and email it with the Loan Docs.
You can also email the data from the form to us by clicking on "Submit by Email". It gives us the following info along with the loan douments:
1) What kind of loan was it?
    Full Doc, No Asset Verification, No Asset or Income Verification,
    No Documentation, No Income Verification, or Reduced?
2) Borrower Debt to Income Ratio (DTI)
3) Is the Garage Attached or Detached from the House?
4) Did the Borrower pay points to reduce the interest rate or other terms?
5) (If HOEPA) What dates were the HOEPA docs received? (3 days before main docs?)
6) Date the Good Faith Estimate was delivered and signed?
7) Application Date, Closing/Settlement Date, Fund Disbursement Date, Rate Lock Date
8) How many copies of the Notice of Right to Cancel were received, and when?
9) When was the TIL Disclosure (APR, Finance Charge, Amount Financed) delivered and signed?
10) What licenses do the Lender have (State and Type)?
Call Jim at (562) 867-3230 or (at ) ,
for a FREE Cursory Evaluation for your Situation.


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We can audit your loan documents for less.
Some state that 80% of Lenders violated laws in the loan documents - audits can often show it.