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"The FREE Loan Audit, Loan Reduction and Principal Reduction Program Legal Alert"
MILLIONS OF CONSUMERS AND BUSINESS OWNERS ARE UNDERWATER WITH THEIR VALUES WHILE STRUGGLING WITH HIGH PAYMENTS. AND THEN THERE ARE OTHERS WHO ARE FACING FORECLOSURE...
We are happy to announce that we can do a FORECLOSURE STOP up to 10 days from the sale date OR get your positive equity back. There is no up front cost to find out if your loan contains federal violations. If it does, our experienced attorneys will force the lender to renegotiate the terms of your loan so that it is more affordable for you. FACT: HOMEOWNERS NOW HAVE THE VERY BEST LEGAL ANSWER TO THEIR HOME LOAN FINANCE PROBLEM... THE PRINCIPAL REDUCTION PROGRAM.
Because they know, if they can even afford the high monthly payments, they will not have ANY equity in their home for at least 12 to 15 years or more.
That means they are throwing good money away. And worst of all, they will not be able to refinance their upside home any time during this period.
(NOTE: Floyd Tapia and The Rigley Group are not associated with Liberty Lending Consultants and are separate entities. We refer clients to each other when applicable.)
What about loan modification programs? If you do it yourself, then you may have success. But, sad to say, companies who charge thousands of dollars up front and then do nothing is not the answer because you will end up in worse position down the road for the trade-off of lowering your monthly payments today.
This only solutions until now has led many to let the home go into foreclosure and simply walk away or do a short sale and then walk away.
Now you can keep your home by letting us help with the foreclosure stop process and you'll no longer have to walk away empty handed with a bad credit score.
WE HAVE PROGRAMS THAT ALLOW YOU TO STAY IN YOUR HOME, LOWER YOUR MONTHLY PAYMENTS AND REDUCE YOUR PRINCIPAL BALANCE TO BELOW TODAY'S APPRAISED VALUE!
TAKE LEGAL ACTION NOW. IF YOUR HOME HAS NEGATIVE EQUITY OR YOU'RE FACING FORECLOSURE, OUR ATTORNEYS CAN HELP.
Call Floyd Tapia at 314-334-0210 or 866-414-2937 Ext. 766
ELIMINATE YOUR NEGATIVE EQUITY WITH OUR PRINCIPAL REDUCTION PROGRAM!
- We will do a FREE Forensic Loan Audit
- We can get you a Principal Reduction with Any Situation
- You can save your home
- Forget about a Loan Modification Programs - Remember, most do not work
- Why "Loan Modification Programs" Do Not Work
Statistics show that only 9% of homeowners who apply for loan modification programs actually receive one. Of the borrowers who actually receive loan modifications, many become delinquent anyhow.
At the end of 2008, it was reported that 37% of borrowers who received loan modifications became delinquent in their payments after only three months. After six months, 55% of homeowners who received loan modifications became delinquent.
And listen to these startling facts...
Another reason why loan modification programs are routinely rejected is pure and simple... they are rejected due to "balance sheet economics".
When a borrower does not make their monthly payments, the loan becomes "non-performing." A non-performing loan is a liability on a lender's balance sheet.
A "modified loan" does not help the bank... it is still a liability, but one of a lesser kind.
By foreclosing and obtaining a judgment for the amount due on the note is better for the bank since it turns a non-performing loan liability into two different assets.
- 1. It is in the form of a receivable which is the amount due from the borrower per the judgment when it is foreclosed.
- 2. It is now a tangible asset which is the actual value of the property.
Therefore, lenders have more of an incentive to foreclose on the property than provide assistance to homeowners in the form of a loan modification.
Why a FORENSIC Loan Audit?
Do you remember all of the documents you signed at your closing? Most folks do not. That is why you need the best legal minds available.
Floyd Tapia, a respected loan compliance advocate along with Liberty Lending Consultants (LLC) welcome and invite our clients to take advantage of Loan Reduction Hero's and the Rigley Group's FREE loan audit and principal reduction program.
LRH has experience professionals who will audit all of the documents that were prepared for your loan to look for violations against state and federal laws and regulations.
As more violations are exposed, they become a basis for gaining leverage in negotiating a new loan with the lender.
These mortgage forensic audits typically reveal various Federal and State violations or errors in the original loan documents. Statistics show that more than 86% of the loans that have been audited have significant violations.
The FREE loan audit doc review is a unique approach since it uses the laws that have been established to protect homeowners from predatory lending practices as leverage against banks to fix borrowers' mortgages.
In other methods, the negotiations center around using money as leverage; in some cases, using money works if the banks desperately need cash.
However, banks have set up stop gaps such as mortgage insurance as ways where they can profit from even foreclosed sales on properties and therefore, money is not always a strong leverage tool.
The loan audit review is a legal way to help homeowners reduce their mortgage.
Here are the typical reasons to conduct a FREE Forensic Loan Doc Audit:
Truth-in Lending violations
RESPA Violations
Excessive Points & Fees
Misrepresentation
Constructive Fraud
Predatory Lending
Over 86% of the loan audits performed by USFP reveal major TILA (Truth in Lending Act), RESPA (Real Estate Settlement Procedures Act), Predatory lending, and Real Estate and/or Mortgage Fraud violations.
In some cases, if the homeowner is simply overcharged by only $35.00 on the final HUD-1, or if the annual percentage rate (APR) is only .125% higher than what was originally disclosed, all of these errors are problems the servicer should have avoided.
These errors now give us leverage when negotiating with the lender and more than enough incentive for the lenders to grant a principal reduction.
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IF YOU WOULD LIKE TO SAVE THOUSANDS OF DOLLARS AND DO A LOAN MODIFICATION YOURSELF, HERE IS THE BEST PROGRAM AVAILABLE THAT HAS ALREADY HELPED THOUSANDS OF HOMEOWNERS SAVE MONEY AND THEIR HOMES. CLICK THIS LINK RIGHT NOW.
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ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?
Take action NOW!
What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?
(This legal information and data supplied by the FDIC)
18 Million PLUS Homeowners Are Upside Down On Their Home's Value!
Meaning they owe MORE than their house is worth.
Get your lost equity back, reduce your mortgage balance and lower your payments with our Principal Reduction Program.
Remember: Don't get fooled by expensive computer audits or loan modifications which 90 percent(+) turn out to be scams or just don't work.
Our service:
- NOT A LOAN MODIFICATION
- NOT A SHORT SALE
- SIMPLE APPLICATION
- CREDIT IS NOT AN ISSUE
Did you know that lost notes, appraisal and mortgage fraud cause an estimated 95 percent of all mortgages to be legally problematic? Settle your note for pennies on the dollar. Cut Through All The Misinformation And Find Out What Really Works.
Call Floyd Now For Your FREE MORTGAGE CHECK-UP
866-414-2937 Ext. 766 | 314-334-0210
Brought to you by:
Loan Reduction Hero, A+ WITH THE BBB.
The Rigley Group, A+ WITH THE BBB.
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