Qualified Written Request (QWR) Sample (PDF)
Our QWR form can be used to obtain loan documents from the servicer that are required to perform a forensic audit. Section 6 of RESPA provides borrowers with certain rights regarding the servicing of their mortgage and escrow account as well as laying out the responsibilities of the servicer. Under federal law, servicers have to acknowledge the letter within 20 working days and respond in 60. RESPA is a consumer protection statute.

Forensic Loan Audit Sample (PDF)
Our Forensic Loan Audit is a comprehensive This service includes an extensive Forensic Loan Audit of your Real Estate Documents by a Certified Forensic Loan Auditor to uncover TILA, RESPA, Civil Code, Business & Professions Code, and many other State and Federal Violations by the Lender in areas such as Fraud, Predatory Lending, Unfair Business Practices, Disclosures, and many others for the purpose of (1) Principal Reduction, (2) Interest Reduction, and (3) Loan Modification.

Securitization (SPV) Sample (PDF)
This Audit searches through public records of S.E.C. filings to go “Behind MERS” and find the Special Purpose Vehicles that may actually claim ownership of your Residential Mortgage Note through the process of Securitization.

Sample Complaint (PDF)
This Complaint is “tailor made” by our Senior Attorney in the Litigation Support Department. This Office has hand crafted more than 500 Civil Complaints for Attorneys in nearly every State. The Complaint is a well pleaded complaint consisting of more than 10 -20 Causes of Action, and also includes a Temporary Restraining Order to Stop the Sale [when necessary], a Lis Pendens and consultation with our industry leading experts.

Home Affordable Modification (HAM) Program Hardship Affidavit (Fannie Mae Form 1021) (94 KB)
This uniform hardship letter is required to modify loans owned by Fannie Mae under the HAM program. This form can also be used as a template for any hardship letter.

Home Affordable Modification (HAM) Program Hardship Affidavit (Freddie Mac Form 1122) (24 KB)
This uniform hardship letter is required to modify loans owned by Freddie Mac under the HAM program. This form can also be used as a template for any hardship letter.

Streamlined Modification Program (SMP) Hardship Affidavit (Fannie Mae Form 1023) (81 KB)
This uniform hardship letter is required under the SMP program. This form can be used as a template for any hardship letter.

IRS Form 4506-T (249 KB)
This form is needed to order a transcript or other return information free of charge. You can also call 1-800-829-1040 to order a transcript. Most servicers will require one to two years prior tax returns.

Servicers Information and Questionnaires - Our directory contains a listing of many major servicers’ contact information, required questionnaires and loan modification website links.

Mortgage Glossary - Glossary of important mortgage terms maintained by the Department of Housing and Urban Development (HUD).

Making Home Affordable - Information about refinancing and loan modification options available under the Home Affordable Refinance Program.

Fannie Mae Loan Lookup - The Fannie Mae Loan Lookup enables mortgage borrowers to quickly determine if Fannie Mae owns their loan by providing a street address, unit, city, state, and ZIP code.

Freddie Mac Loan Lookup - The Freddie Mac Loan Lookup enables mortgage borrowers to quickly determine if Freddie Mac owns their loan by providing borrower and property information.