Certified Forensic Loan Auditors, LLC

 

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CFLA, Inc

Since 2007, CFLA has been widely recognized as the Industry’s Leading Experts on mortgage Securitization and is credited with developing the first “Securitization Audit”.

CFLA Auditors have been admitted as Experts in nearly every jurisdiction nationwide and have a minimum of 10 years of industry related experience, 40 Hours of Classroom Training on Mortgage Securitization, and have been certified through the Nationally Recognized “Mortgage Securitization Auditor Training Certification Class.”

Please contact our National Account Sales office at 832-932-3952 to get more information or pricing on this cutting edge work product!

Click to View Michael Carrigan's Expert Witness Profile

 

CFLA Explains Complete Quiet Title Package

 

Please fill out the attached forms and return to our office for processing.

PDF Audit Submission Form

PDF Credit Card Authorization Form

 

Testimonials

This is a testimonial to Jim and the CFLA team. CFLA and the audit once again proved to be worth far more than it's weight in gold. I was able to negotiate a (an impossible) short sale with SPS and settle with three subordinate lenders (only one of which was TARP). The deal recently closed and I remain undefeated. Much appreciation and thanks to to Jim Salvagio, Melanie Paree and the CFLA team. Further thanks for awesome support, customer service and always going above and beyond the call of duty! Sincerely and Very Best Regards.
—Jeff Burch

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My wife and I would like to thank you for the wonderful work you've done submitting the loan modification to ocwen on our behalf, we have been wrestling with them for so long and we were getting nowhere and in fear of losing our home. After you suggested I called them to find out what the status of our loan modification was, they told us over the phone that we were eligible for a Sam [Shared Appreciation Modification) they reduced our principle from $736,579.75 to $513,950.00 our interest rate went from 4.25% to 2.00% our monthly mortgage payment went from $3467.83 interest only to $2354.82 principle interest taxes and insurance included, our interest only loan was changed to a 22 year conventional fixed rate loan at 2.00%. This is good news, we could not be more grateful for the work you put into the modification. In addition; the difference between the original principle including penalties and interest and the new principal balance of $513,950 was $476,732.99 which they agreed to waive off 1/3 of that amount each year for three years as long as I remain current on my payments, at the end of that time the debt would not exist. They also told me that notification had gone out to their attorneys to stop the foreclosure proceedings, which was pending a sale date as you know. My wife and l are still in shock we wanted to see everything in writing and they told me over the phone tracking indicated that the package had been delivered to my address and it was already in the mailbox. I’m sending you copies of everything for you to look over This was a great deal you got us Steven there's more I can’t put in writing. Well done. This is a big step for us to be able to stay in our home.
—Anthony and Karen Boone

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I just wanted to thank you for the great job on the affidavit that you wrote with our Bloomberg Audit. We had a sale date today 10-22-13 and yesterday our attorney presented a complaint with the affidavit referenced to the judge to do an injunction and he read it for only a few minutes and stopped the sale. We are proceeding to a hearing at a future date. We are in Wyoming and I don't believe they have ever seen anything like this against the banks. We have friends who now want a securitization audit and I am going to talk them into a Bloomberg audit. Thank you again.
Susan Cacho

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Hello, you did a securitization audit for me in 2014. Guess what? Chase agreed to settle for 11k, which was only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again.
David Schaar

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CFLA's "Quiet Title Package" is a leading product carefully crafted by the Nation's Most Well Respected Attorneys in the Foreclosure Defense industry. Quiet title prevent foreclosure is a powerful and successful legal means of bringing suit against your mortgage lender. Best quiet title form and full audits for property for use in action suits.

*THIS IS A COMPLETE TURN-KEY LAWSUIT TO SUE YOUR LENDER FOR DAMAGES, including Rescission, monetary damages, attorneys fees, and costs. This Complete system works with Pre-Foreclosure, During Foreclosure, or Post-Foreclosure.

Don't let the Bank Take Your Home, You Have a Fighting Chance!!!!

 

The Quiet Title Package (form) for preventing foreclosure, includes all of the following...

(1) Bloomberg Securitization Audit
CFLA has is the leader in research and development of the Mortgage Securitization Audit and Full Bloomberg Securitization Audit, utilizing ABS NET and the Bloomberg Terminal.

This leading-edge service includes:

  1. Identification of the Trust Vehicles claiming ownership of your mortgage through the Securities & Exchange Commission (S.E.C.)
  2. Full Screenshots of the Identified Trust showing active trading data, loan modification data, remics, whether it has been sol, how many times whether credit default swap insurance has been purchased and by whom
  3. A Full Chain of Title Analysis C.O.T.A.
  4. Full Robo-signer Analysis
  5. Fraud Analysis
  6. Analysis of the Assignments and Transfers
  7. All publicly Recorded Documents
  8. Copy of the Pooling & Servicing Agreement (PSA) and/or Prospectus Supplement
  9. A Court Ready Expert Witness Affidavit attesting to the finding of fact

This comprehensive 9-Point Audit Report is the most advanced Audit Report on Residential Mortgages in Existence—brought to you by the Founders of this Industry, Attorney Owned & Operated, maintaining an A+ Rated with the Better Business Bureau.

PDF Download Sample Bloomberg Property Securitization Analysis



(2) Civil Complaint to QUIET TITLE & for other Relief
The Complaint package includes a Civil Complaint that is Jurisdictional Specific, and can be tailored to work on a Federal Level. This TURN-KEY Lawsuit to sue your lender will include 12-15 different causes of action all with specific and actionable claims that have remedies as against the lender. The Temporary Restraining order is designed STOP A SALE IMMEDIATELY to give the attorney time to fight the bank in favor of the Homeowner and the Lis Pendens will cloud the title, making it very difficult for the bank to take possession of the home and resell it, so a solution can be reached in favor of the Homeowners.

PDF Download Sample Complaint / Petition



(3) Temporary Restraining Order to Stop the Sale (TRO)

PDF Download Sample TRO



(4) Lis Pendens to "Cloud Marketability of Title"

*This Litigation support service is tailor made for the specifications of each Attorney, and is drafted by Competent and Qualified Attorney with Factual Specific Allegations tailored for each client, ready to be signed by the Attorney and filed.

CFLA has trained more than 1,000 Attorneys and Real Estate professionals on Mortgage Securitization since 2007, and is widely recognized as the Industry Leaders.

CFLA is Attorney Owned and Operated since 2007, and has an A+ rating with the Better Business Bureau.

Must Call today to get special offer at 832-932-3952

PDF Download Sample Lis Pendens

 

What is a Securitization Audit?


Bloomberg Securitization Audit

CFLA has pioneered research and development of the Mortgage Securitization Audit and Full Bloomberg Securitization Audit, utilizing ABS NET and the Bloomberg Terminal. This cutting edge service includes (1) Identification of the Trust Vehicles claiming ownership of your mortgage through the Securities & Exchange Commission (S.E.C.), (2) Full Screenshots of the Identified Trust showing active trading data, loan modification data, remics, whether it has been sol, how many times, whether credit default swap insurance has been purchased and by whom, (3) a Full Chain of Title Analysis C.O.T.A., (4) Full Robosigner Analysis, (5) FRAUD Analysis, (6) Analysis of the Assignments and Transfers, (7) All publicly Recorded Documents, (8) Copy of the Pooling & Servicing Agreement (PSA) and/or Prospectus Supplement, and (9) A Court Ready Expert Witness Affidavit attesting to the finding of fact; this full 9 Point Audit Report is the most advanced Audit Report on Residential Mortgages in existence, and brought to you by the Founders of this Industry, Attorney Owned & operated, and A+ Rated with the Better Business Bureau.

 

Securitization Analysis

CFLA Explains Level III Bloomberg Report

PDF Download Sample Bloomberg Property Securitization Analysis


Full Bloomberg Securitization Report Includes:

  • Transactions Details and Participants
  • Securitization Details and Participants
  • Copy of the Prospectus
  • Copy of Pooling and Servicing Agreement
  • Bloomberg Screenshots of the Trust as well as other Actively Training Data Including:
    • Description of the Security from Bloomberg
    • Deal Description
    • Structured Finance Notes Screen
    • Section Pertaining to Trust Credit Enhancements
    • Loan Level Detail Section including REMICS, CUSPS, Credit Default Swap, Libor Index, Classes of Paid and Unpaid
    • MERS Analysis
    • Report Summary
  • Full Chain of Title Analysis
  • Full Robo-Signer Analysis
  • Full Assignment/Conveyance Analysis and Analysis of Indorsements
  • Entity Verification Analysis
  • Complete Report Summary

CFLA is a subscriber of Bloomberg and uses the latest search for Non-Agency residential loans by characteristic. Either Loan Number or Original Amount that are provided to perform a search to verify that the loan is inside the Securitized Trust.

 

Our Bloomberg Report Will Include the Following Documents
(click pictures to enlarge)

Non-Agency Mortgage Loan Find (LFND)

The name of the Securitized Trust, the loan number, and group it belongs to:

Trustee Name Loan Number Group

 

The number of classes (tranches) and group status (active or paid):

Class Tranch CUSP Group Status

 

The loan level data will identify that the loan is inside the securitized trust:

Loan Level Data 1

 

The Security Description of Trust will identify the current ratings, current amount of the class, CUSIP number, and the Trustee and Lead Manager:

Security Description Ratings Trustee

 

The Collateral Composition page will identify the Originator:

Collateral Composition Originator

 

Identifies the Distribution payments for loans that are Delinquent, Foreclosure, Bankruptcy or REO:

Distribution Payments

 

Identifies the performance of the Trust and shows the percentage of problem loans:

Trust Performance Problem Loans

 

Prospectus filing for references:

Prospectis Filing for References

 

Must Call today to get special offer at 832-932-3952.

 

 


 

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Certified Forensic Loan Auditors, LLC
13101 West Washington Blvd.
Suite 444
Los Angeles, CA 90066

Phone: 832-932-3951
Toll Free: 888-758-CFLA (2352)
Mobile Users: CLICK TO CALL
info@certifiedforensicloanauditors.com

 

   
 
CFLA IS NOT A LAW FIRM AND DOES NOT PROVIDE ANY LEGAL ADVICE. CFLA DOES NOT OFFER FORECLOSURE CONSULTING OR FORECLOSURE RELIEF
SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA
DOES NOT CHARGE OR OBTAIN REFERRALS FEES FOR THESE SERVICES. SERVICES NOT OFFERED TO RESIDENTS OF THE STATE OF NEVADA.

 
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