Mortgage Document Audit - Understanding Your Rights

Does your loan have compliance violations? Are you the victim of predatory lending? Did you know that 90% of victims do not even know they are victims? Discover how the Truth in Lending Act and other federal and state laws can help you with your mortgage or to stop foreclosure.

The federal Truth In Lending Act was originally enacted by Congress in 1968 as a part of the Consumer Protection Act. The law is designed to protect consumers in credit transactions by requiring clear disclosure of key terms of the lending arrangement, and all costs. This is the law most abused by lenders and the one that has the most teeth when challenged in a Courtroom.

You Be Aware has partnered with mortgage compliance consultants who are able to conduct a mortgage document audit that will identify any non-compliance with the federal Truth In Lending Act (TILA) as well as other federal requirements such as HOEPA and RESPA. The audit firm is finding legal violations on over 80% of the loans they review. This means there is an 8 in 10 chance that your lender failed to comply with federal laws on your mortgage.

You may be able to use these non-compliance issues to renegotiate your loan or even sue your lender. Homeowners can use this defense even if they are not late on their mortgage. It could be an effective tool to bring litigation against your lender or to mediate a reduction of your loan principle.

Now it’s your turn to fight back and win. As a member of You Be Aware we will show you it doesn't matter if you are already in foreclosure or don't have a problem making your payments. Why would you want to continue making a payment when your home equity is upside down and your house is only worth a fraction of what the mortgage is? If you feel you have been taken advantage of, you need to become a member of You Be Aware and then "Power In Numbers" will work for you and your family.

What Should I Do Next?

First you become a free member and request an Audit Application Form. Click here to become a free member. Once we receive your application it will be reviewed to see if you could benefit from a mortgage document audit. However, there will be no personal information requested at this time. We do not need or want your Social Security number or your banking information.

We will need some basic information about your mortgage, such as your interest rate, your payments, the name of the lender, whether you have more than one mortgage, and other basic questions that will allow us to review your application to see if you would benefit from a mortgage document audit.This process is FREE to you so you have nothing to lose and everything to gain.

Should you decide to use our service we will make arrangements for your document audit. By becoming a member you will have the opportunity to be part of the You Be Aware family where "Power In Numbers" make a difference.

What happens Then?

After the document audit has been completed, if discrepancies or legal non-compliance issues have been uncovered you will have your case reviewed by an attorney and may be offered the opportunity to enroll in a third party limited legal service plan or retain an attorney to act on your behalf. If you don;t have an attorney we will be happy to provide you with the names of attorneys who have acted on behalf of other members. This is affordable and allows the "Power In Numbers" to work for you. You could also retain an attorney on your own if you prefer.

What will you do for me?

As a member of You Be Aware the attorneys we refer you to will represent you in your mortgage legal matters for a reduced cost and often have monthly payment options.

Don't continue to make high payments on your home because you don't have the knowledge of how to lower them. Become a member today and start fighting back. Keep your family in their home and rely on the "Power In Numbers" to help you.

Remember that you may know somebody in the same situation as you or who needs help with foreclosure. Please feel free to refer your friends, family and acquaintances to our site to register for our free workshop or bring them along as your guest.

To purchase your Mortgage Document Audit click on the button below.

Become a Member today click here

AUDIT MEMBER – If you are upside down in your home, in foreclosure or think you may be a victim of predatory lending then you may want our membership package.

Included in this package is all of the Free Member benefits plus you are entitled to attend any of our free workshops to educate yourself about many of the issues we deal with. Most importantly, you will receive a mortgage compliance audit which looks for issues of non-compliance in your loan documents. Mortgage lenders are required to comply with certain federal and state laws and violations of these federal laws can help you stop foreclosure and fight back against your lender. If you are upside down in your home an audit can provide you with the leverage you need with your bank to possibly renegotiate your loan. Become a Member and join the growing mass of homeowners who want to fight back against the predatory lending practices that have crippled so many American families. As part of your Audit Membership your case will be referred to a Florida Attorney who will review your case and offer legal advice.

The products and services included in this membership package have a combined value of more than $3,500 if you purchase them individually.

As a Registered Member	999.95
Valued Member	499.95
If you need help with an Audit of your Mortgage Documents and would like to take advantage of the full range of other services we offer you can save money by becoming a Valued Member and getting a discount on this and other services we assist you with.

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