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A Simple Guide to Home Modification by Stephen T. Jones

Too many options not enough solutions…


The purpose of a mortage audit is to determine,

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  • Was the original risk assessment made on the mortgage loan justified?
  • Did all the compensating factors exist to approve your loan?
  • And can you get the fees that the bank owes you?

When successful a Mortgage Audit will determine if all disclosures of rate/product were made properly to the consumer, were any misrepresentation made, is the loan in compliance with the Truth In Lending Act (TILA), Real Estate Settlement And Procedures Act (RESPA), FACTA, ECOA, State Statutes, Breach of Contract, Constructive Fraud, Breach of Fiduciary Duty, Fair Debt Collection Practices Act. With a successful audit you can recoup late fees, finance changes, truth and lending disclosures, reset interest error of arm and usurer laws. If you would like to find out more about this low cost solution please give me a call or e-mail me.



Stephen T. Jones



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  2. Very good written article. It will be useful to everyone who employess it, as well as yours truly :). Keep doing what you are doing – i will definitely read more posts.

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