Will a loan modification or inquiry to a loan modification affect my credit?

No, your lender is required pursuant to The Real Estate Settlement Procedures Act, to respond to any inquiries or disputes you might have with your loan. The borrower is also allowed to challenge the amount of the claimed default during the three year statute of limitations. The lender cannot ignore your requests they are mandated to respond with a specific time period. The time period is triggered by a valid Qualified Written Request.

For more information:
Visit us at www.CertifiedForensicLoanAuditors.com

Will you challenge my original loan documents?

Our Affilliates handle the Loan Modification themselves, however, they will typically prefer to negotiate with the banks based on the change in your particular loan and changes in your personal life. It is true, due to the extensive amount of paperwork needed to secure financing that errors often occur. This is something to be considered but not counted on. As part of our services we will conduct a forensic loan document audit to look for any errors in the loan process. Errors may include problems with the original loan documents or lender compliance with procedures mandated by statute.

For more information:
Visit us at www.CertifiedForensicLoanAuditors.com

★ The Nation's only Forensic Loan Auditor Certification Trainning (April 12th - 16th) ★

JOIN A BOOMING CAREER FIELD AND EARN MORE THAN $100K PER YEAR!

Become a Certified Forensic Loan Auditor!!!!

http://www.certifiedforensicloanauditors.com/

ATTENTION ATTORNEYS & REAL ESTATE PROFESSIONALS

NAMU-Forensic Loan Auditing Training Certification

http://www.mortgage-underwriters.org/certified-forensic-loan-auditor-cfla

Nation's most widely recognized and acclaimed "Forensic Loan Auditor Training"

In Partnership with the National Association of Mortgage Processors, we are now offering a CERTIFICATION PROGRAM for Forensic Loan Auditing.

SAN DIEGO CLASS 04/12-04/26 [Class size is small- Only 10 Students per Class, so reserve your seat ASAP!!]

http://www.certifiedforensicloanauditors.com/5.0_certification_program.html

http://www.certifiedforensicloanauditors.com/5.4_sd_0412.html

http://www.certifiedforensicloanauditors.com/5.3_la_0426.html

SAN DIEGO CLASS 04/12/2010 - 04/16/2010

• CHECK WEBSITE FOR FUTURE TRAINING SESSIONS

• OTHER CLASSES UPCOMING!!!!

________________________________________

Presented by:

Certified Forensic Loan Auditors, LLC, its Senior Auditors and Attorneys
• and in conjunction with the NATIONAL ASSOCIATION OF MORTGAGE UNDERWRITERS "NAMU"

Register online at the link below:

http://forensicloanauditorcertification041210.eventbrite.com/

http://forensicloanauditorcertification042610.eventbrite.com/

http://www.certifiedforensicloanauditors.com/5.0_certification_program.html

NAMU- CERTIFIED FORENSIC LOAN AUDITOR TRAINING

• Standard enrollment fee is $2,500.00

CERTIFIED FORENSIC LOAN AUDITORS, LLC
13101 West Washington Blvd., Suite 444, Los Angeles, CA 90066;
ph: 310-432-6304; info@CertifiedForensicLoanAuditors.com
www.CertifiedForensicLoanAuditors.com

Program Information:

This is a comprehensive 5-day training course to get you CERTIFIED as a “FORENSIC LOAN AUDITOR” through the National Association of Mortgage Processors “NAMP”

Objectives:

* Study and learn important mortgage topics related to forensic loan auditing. * Expand your knowledge of the legal and compliance aspects of forensic loan auditing.

* Receive a Certification as a NAMU-Certified Forensic Loan Auditor

Requirements:

• Must promptly attend and be present for a minimum of 32 hours of training.
• Must satisfactorily pass a criminal background check/ Sex Offender Check [looking mostly for fraud, embezzlement]
• Must satisfactorily pass the NAMP final examination at the end of the course. Trainees will know right on the spot!!!!!

Major Topics:

* Truth in Lending Act * Real Estate Settlement Procedures Act * Home Ownership Equity Protection Act * State and Federal Discrimination Laws *Fair Debt Collection Practices Act * State Disclosure Laws * State Common Laws * Broker Licensing * Loan Transaction Documentation * Proper Calculation of APR and Finance Charges * Underwriting Standards and Methodologies * Predatory Loan Indicators * Legal Standing & Other Foreclosure Defenses * Securitization, Chain of Title, MERS and much more!!!

* This course will cover forensic loan auditing for possible violations of the Truth in Lending Act, Real Estate Settlement Procedures Act, Home Ownership Equity Protection Act, Fair Debt Collection Practices Act, and other pertinent State & Federal statutes and common law principles to look for in the loan documentation.

Designed for:

* All professionals in the mortgage, real estate, legal, and finance professions involved in loan modifications, lender litigation and/or forensic auditing. A basic knowledge of relevant loan transaction documents will be assumed.

________________________________________

Speakers:

1. Brendan D. McDonald, Esq. Compliance Attorney, and Corporate Counsel for CFLA, LLC with experience in Real Estate litigation

2. Andrew P. Lehman, MBA JD; Managing Member of CFLA,

3. Eric Hougen, Esq., Senior Attorney for more than 10 years, and experienced TILA/RESPA Trial lawyer. Graduate of this training and a Certified Forensic Loan Auditor.

4. Marla Giddings, Senior Certified Forensic Loan Auditor
________________________________________

Location:

CFLA, LLC [Conference Room]
13101 W. Washington Blvd.
Los Angeles, CA 90066

Registration:

Pre-Registration is required and can be done over the phone at 310-432-6304, with Visa or MasterCard, or by Check. Registration forms will be emailed after payment is complete. Late Registration allowed until one week prior to course enrollment!!!!!

Pricing:

$2,500.00 for the one-week course. You will also receive a Certification recognizing you as a NAMU-CERTIFIED FORENSIC LOAN AUDITOR
$1,995.00 EARLY BIRD REGISTRATION RATE IF REGISTERED BY MARCH 12th

Benefits of the Course:

1. Receive a Certification from the National Association of Mortgage Processors
2. Become Certified as a "Forensic Loan Auditor"
3. Maintain Students Records in a nationwide searchable database to verify and validate certification for prospective employers
4. Highlight each new Certified Member within a weekly newsletter entitled "The Mortgage Standard" [over 40,000 distributions]
5. Student is highlighted in NAMP online directory at:

http://www.mortgageprocessor.org/
________________________________________

TESTIMONIALS

“I came in to this class wanting to do professional, competent, and comprehensive forensic loan audits and that is exactly what this class has done for me! As a mortgage professional looking to sustain myself in this career field, I have found that this class has opened up a wealth of opportunities for me and was easily worth the time and money.” Mark Martinez, class on 03/22

“Auditing provides an alternative to loan modifications and provides a level of strength for homeowners and lawyers to negotiate with. Finally, there is a class out there that teaches the tools to fight this against these financial institutions in this terrible economic mortgage crises.” Angela Narain White, Class on 03/22

“Do not bring work from home to this class you will not be able to do any of it. This class is very comprehensive and quite consuming.” Deborah Saunders, PhD Class on 03/22

“The knowledge and experience of the teachers and attorneys prepared me to complete a loan audit with confidence I would recommend this class to anyone.” Wayne Goldman class on 03/22

“The instructor Marla is a superstar!!!” Robin Watkins, class on 03/22

“If anyone wants to become a Forensic Loan Auditor or is already, this course is a must!!! You will not just do the audits, you will understand and be able to truly help your clients.” Linda Zimmerman Class on 02/08

“This was a very informative class! I learned a lot of valuable information. I recommend this course to anyone that wants to learn about how and why to do audits.” Marla Giddings class on 02/08

“This is a must have instruction for in depth understanding of the process. The knowledge gives confidence which can be translated into doing the audits more efficiently and quicker, while at the same time far more accurate and detailed.” Marla Buchwald class on 02/08

“I thought it was great, I learned more than expected.” Brandon Butler, Esq. class on 02/08

“This certification carries much clout and will put us in a league of our own against other Forensic loan Auditors.” Pat Bennett class on 02/08

"Rebecca & Danielle have great insight & valuable experience. Their professionalism and work ethic are amazing. They truly want their students to succeed & do well." Jennifer Garcia- class on 01/25

"Incredibly comprehensive and well worth the investment." "Rebecca is one of the most knowledgeable individuals I've met in 15 years of lending." Shelton Perrigan- class on 01/25

"My expectations were exceeded. I have been a Real Estate professional since 1993 and have simply followed guidelines established. This course has opened my eyes to all the reasons of why?" Michael Bakkers- class on 01/25

"Rebecca and Danielle are clearly the most experienced, wise, knowledgeable persons I have ever met!!! They are real experts in the field!"
Pat DeSaracho- class on 01/25

"I would recommend this course to everyone interest in the mortgage or related business. This certainly will open a person's eye as to how to do a business and be successful." Geoff Gault-class on 01/25

"Very detail oriented training and professional experience, I learned more than expected." Diane Rodriguez- class on 01/25

"GREAT!!! A must for all Mortgage Professionals!! A++++. Nani class on 12/16

"Anyone doing Loan Foreclosure Defense must understand the basis of the loan docs. That foundation is fully understood here!! A++. “Florida Attorney- class on 12/16

"The instructors were A++++. Thank you CFLA!!!! This class was worth every penny!"
Fernando- class on 12/16

"Rebecca was top notch!!! She is a Rock Star in this industry!!!" Kelly Whitis class on 11/16

"Very well organized, structured, clear and concise. I highly recommend this course!" Sally Figuierido class on 11/16

"I came into this class as a seasoned Real Estate professional and at first a skeptic. However, I was very satisfied with the depth of knowledge of the instructors who helped me understand the legal side of this industry and recent laws that affect my business. Thank you CFLA for taking a personal interest in my learning experience!!!!" A++++ James Franklin [trainee class of 08/13]

"The training Materials were very helpful, and the samples made it all worthwhile, definitely this class is worth every dollar." Falisha Turner [trainee class of 08/20]

"I would recommend this class to anyone who wants to take the next step in their career as a Real Estate professional, Forensic Loan Auditor, Loan Modification Attorney, or anyone interested in understanding how to protect themselves against Mortgage Fraud by Lenders!!!" Damion W. Emholtz [class on 08/20]


Please contact Andrew. P. Lehman directly at 310-432-6304 to book this reservation and secure your training course. We will also provide you discounted lodging accommodations to make your trip more affordable.

"This is a professional development "how-to" training, and does not imply any State or Federal Government affiliation.' This training does not imply nor encourage trainees to offer foreclosure relief/prevention/assistance services directly to Homeowners"

http://www.certifiedforensicloanauditors.com/5.0_certification_program.html

http://www.certifiedforensicloanauditors.com/5.3_la_0322.html

http://www.certifiedforensicloanauditors.com/5.4_sd_0412.html

http://www.certifiedforensicloanauditors.com/5.3_la_0426.html

SAMPLE AUDIT [at link below]

http://www.certifiedforensicloanauditors.com/9.0_audit_sample_112409.pdf

SAMPLE DEMAND LETTER [at link below]

http://www.certifiedforensicloanauditors.com/9.4_Sample_QWR.pdf

SAMPLE CIVIL COMPLAINT [at link below]

http://www.certifiedforensicloanauditors.com/9.2_complaint_809.pdf

CREDIT CARD AUTHORIZATION FORM [at link below]

http://www.certifiedforensicloanauditors.com/9.6_cc_authorization.pdf

TRAINING REGISTRATION FORM [at link below]

http://www.certifiedforensicloanauditors.com/9.5_registration_form.pdf

Please contact this office if you have any questions.

CERTIFIED FORENSIC LOAN AUDITORS, LLC
13101 West Washington Blvd., Suite 444
Los Angeles, CA 90066;
Phone: 310-432-6304

sales@CertifiedForensicLoanAuditors.com

www.CertifiedForensicLoanAuditors.com

The Nation’s Leading Real Estate Forensic Loan Auditing Company

Why are loan modifications so popular right now?

Why are loan modifications so popular right now?

Many families tried to take advantage of the rising home prices before the recent decline to secure the potentially growing equity with low monthly payments. With the combination of a slumping economy, unemployment rates rising, home prices dropping, and high mortgage interest rates, there are large numbers of families having difficulty making their mortgage payments. Now that prices of homes have dropped, banks want to avoid a financial disaster. Lenders do not want to be stuck with a large number of unoccupied homes that produce no income or repayment of the original loan.

For more information:
Visit us at www.CertifiedForensicLoanAuditors.com

NATION’S PREMIER FORENSIC LOAN AUDIT WHOLESALER & AUDITOR TRAINING (Certification class on 04/12 – 04/16)

http://www.certifiedforensicloanauditors.com/

CERTIFIED FORENSIC LOAN AUDITORS, LLC, is the nation’s premier forensic loan auditing and mortgage/litigation support company. CFLA provides the most comprehensive and competent Forensic Audit in the industry, as well as tailor-made Qualified Written Requests, Complaints and Discovery Requests for professionals specializing in Mortgage Modification and Real Estate Law. We are Attorneys serving Attorneys in this market since 2007.

http://www.certifiedforensicloanauditors.com/

Certified Forensic Loan Audits, Notice of Rescission Letters, QWR Letters, Litigation Support, Lis Pendens, Federal Court/ State Court Complaints & Lis Pendens, TRO’s to stop Foreclosure, Truth in Lending Act Violations, Forensic Auditor Training Classes, Real Estate Settlement Procedures Act, Predatory Lending, serving all 50 States!!!!!!

CERTIFIED FORENSIC LOAN AUDITORS, LLC
13101 West Washington Blvd., Suite 444
Los Angeles, CA 90066;
Phone: 310-432-6304sales@CertifiedForensicLoanAuditors.com
www.CertifiedForensicLoanAuditors.com

“The Nation’s Leading Real Estate Forensic Loan Auditing Company”

WE ARE THE ONLY COMPANY IN THE USA WHO CAN TRAIN YOU TO BECOME CERTIFIED AS REAL ESTATE FORENSIC LOAN AUDITORS!!!

CERTIFIED FORENSIC LOAN AUDITORS, LLC is a network of experienced certified forensic loan auditors specializing in the research and analysis needed to provide attorneys and loan modification companies with a total package support that they need to even the playing field with Lenders and successfully negotiate loan modifications or file predatory lending lawsuits.

Our service is focused on providing Law Firms and Loan Modification professionals the most highly reliable and dependable “Premium Forensic Loan Audits” in the industry.

Our Executive Management Team of seasoned attorneys and real estate professionals have over 50 years combined experience in loan origination, mortgage processing, and bank underwriting with some of the country’s top lenders, such as Washington Mutual, Chase, Wells Fargo, Countrywide and others. It’s this depth of experience and qualification that sets CFLA apart.

SAMPLE AUDIT [at link below]
http://www.certifiedforensicloanauditors.com/9.0_audit_sample_112409.pdf

SAMPLE DEMAND LETTER [at link below]
http://www.certifiedforensicloanauditors.com/9.4_Sample_QWR.pdf

SAMPLE CIVIL COMPLAINT [at link below]
http://www.certifiedforensicloanauditors.com/9.2_complaint_809.pdf

CERTIFIED FORENSIC LOAN AUDITORS, LLC offers comprehensive training classes, see link below:
http://www.certifiedforensicloanauditors.com/training_courses

CERTIFIED FORENSIC LOAN AUDITORS, LLC offers litigation support, see link below:
http://www.certifiedforensicloanauditors.com/litigation_support

CERTIFIED FORENSIC LOAN AUDITORS, LLC offers expert opinions, see link below:
http://www.certifiedforensicloanauditors.com/expert_witnesses

FREQUENTLY ASKED QUESTIONS CAN BE ANSWERED AT THE LINK BELOW:
http://www.certifiedforensicloanauditors.com/frequently_asked_questions

Disclaimer – Certified Forensic Loan Auditors, LLC is exclusively a business-to-business litigation support company. Our service is provided to licensed attorneys only. We do not assist homeowners/borrowers in foreclosure. It is illegal for loan-modification consultants and businesses to charge up-front fees for their services. Additionally, individuals and businesses offering mortgage-foreclosure consulting, loan-modification and foreclosure-assistance services must register with the California Attorney General’s office and post a $100,000 bond.

CERTIFIED FORENSIC LOAN AUDITORS, LLC offers comprehensive training classes, see link below:

“This is a professional development “how-to” training, and does not imply any State or Federal Government affiliation.’ This training does not imply nor encourage trainees to offer foreclosure relief/prevention/assistance services directly to Homeowners”

http://www.certifiedforensicloanauditors.com/5.0_certification_program.html
http://www.certifiedforensicloanauditors.com/5.3_la_0322.html
http://www.certifiedforensicloanauditors.com/5.4_sd_0412.html
http://www.certifiedforensicloanauditors.com/5.3_la_0426.html

What is a loan modification or loan workouts?

What is a loan modification or loan workouts?

Loan modification and loan workouts both mean the same thing. A loan modification is a way to help homeowners avoid bankruptcy when their largest financial burden is the monthly mortgage payment. Many Americans do not expect or want to be bailed out by the government with a bankruptcy or lose their home to foreclosure. With a loan modification, the homeowner is simply agreeing to a change in the original terms of the loan with the existing lender. The new terms are accepted by both the homeowner and the financial institution. The lender and borrower both benefit from a loan modification because the homeowner gets to keep their home and the bank avoids the lengthy process of foreclosure. Some of the characteristics of a loan modification are interest rate reductions, extensions of loan periods, the reamortization with capitalization of arrears by recasting missed payments, a reduction of principal balance, and deferred junior mortgages.

Learn more about loan modification and the subject matter at:

CertifiedForensicLoanAuditors.com

Certified Forensic Loan Auditors, LLC - Forensic Loan Audit Services and Training for Attorneys and professionals

http://www.certifiedforensicloanauditors.com

Certified Forensic Loan Auditors, LLC, is the nation's premier forensic loan auditing and mortgage / litigation support company. CFLA provides the most comprehensive and competent Forensic Loan Audit in the industry, as well as tailor-made Qualified Written Requests, Complaints and Discovery Requests for professionals specializing in Mortgage Modification and
Real Estate Law.




Our Senior Auditors and Attorneys do not use any software products to generate your Forensic Loan Audit, each file is carefully reviewed manually to determine the violations and our Certified Auditors generate a competent and thorough analysis based on factual determinations.

SOFTWARE CAN NEVER UNCOVER ALL VIOLATIONS.

Certified Forensic Loan Auditors, LLC is a network of experienced professionals specializing in the research and analysis needed to provide attorneys and loan modification companies with a total package support that they need to even the playing field with Lenders and successfully negotiate loan modifications or file predatory lending lawsuits. Our service is focused on providing Law Firms and Loan Modification professionals the most highly reliable and dependable "Premium Forensic Loan Audits" in the industry.

Our Executive Management Team of seasoned attorneys and real estate professionals have over 50 years combined experience in loan origination, mortgage processing, and bank underwriting with some of the country’s top lenders, such as Washington Mutual, Chase, Wells Fargo, Countrywide and others. It’s this depth of experience and qualification that sets CFLA apart.

Our Attorneys and Senior Auditors are available for consultation and insight on recent legislation and industry expectations for our preferred clients and affiliates.