Mortgage Reduction

DNA Mortgage Reduction

Are you a Victim of Deceptive Predatory Lending Practices?

Is your Value of your home UPSIDEDOWN?

Find out if you may be a Victim of Mortgage Compliance Violations involving Predatory, Deceptive, Discriminatory and Unfair Lending and Servicing Practices. These Unfair Lending Practices have placed thousands of HOMEOWNERS all over the United States into Non-Affordable Mortgage Programs.

DNA Mortgage Reduction works with your "Mortgage Loan Audit " that identify multiple State and Federal Loan Transaction violations including, but not limited to,
•the Real Estate Settlement Procedures Act ("RESPA"),
•the Truth in Lending Act ("TILA"),
•the Fair Housing Act and
•the Equal Credit Opportunity Act ("ECOA")
•including "significant mortgage compliance violations" involving predatory, deceptive, discriminatory and unfair lending and servicing practices.
The Mortgage Loan Audit gives leverage directly to
•Homeowners,
•Investors, and
•Borrowers
that may have been cheated or taken advantage of by Deceptive Mortgage Brokers, Bankers and Lenders.

Homeowners are being victimized all over the country by Predatory Mortgage Lenders and Banks not acting in regulatory compliance, charging excessive loan fees to borrowers, and in many cases utilizing Fraudulent, Abusive, Discriminatory, Deceptive Lending Practices.

If you suspect that you may be a victim, and were placed into a
•Non-Affordable Mortgage,
•paid excessive fees or
•were taken advantage of by your Lender,
our attorneys and staff will help give you the leverage needed to fight back against the lenders, this leverage will help get you an affordable resolution offer from the lender based on our documented findings.

In many audit cases, we find that the Debt to Income (DTI) ratio on a loan transaction at time of settlement exceeds 50%, making the loan predatory. In most cases we find that the Loan Originator inflated your income on the Uniform Residential Loan Application (form 1003).

We perform a new underwriting review of your closed loan transaction based on your actual gross monthly income average for the two year time period prior to the date of settlement to verify your actual DTI; to determine if in fact you were placed into a Non-Affordable Mortgage Payment Program.

We will review your mortgage documentation and submit on your behalf a Qualified Written Request (QWR) of our documented findings to your Lender including an Addendum relating to servicing related criteria. The Lender will have 20 business days per RESPA to respond to the written request and 60 business days to resolve/settle this matter.

Our Mission is to help Protect the "American Dream of Home Ownership". We offer a no obligation, free initial consultation to homeowners.


HOW DOES IT WORK?

We have been researching services that are available to homeowners that owe more on their home than what it is worth - their mortgage is “UPSIDE DOWN”. In our research we have spoken to so many people that not only owe more than their home is worth, but also who were taken advantage of by Mortgage brokers. If you used a second mortgage for your down payment (80/20, 90/10, or any form of that), or if you have a nonconforming “no doc” loan or “stated loan” (special terms or toxic loan), we may be able to help you... Let our group of attorney's review your closing documents and find the “DEFECTS” you have with your current mortgage, at “NO COST” to you.


•After we find the “DEFECT”, we will send a certified Letter to your lender putting them on notice and sending a cease and desist letter.
•What does that do? It starts the time line for the negotiations with your Lender and stops them from contacting you, proceeding with any collection action, and reporting any positive or negative information on your credit.
•WE are telling the Lender that YOU are the victim...
Once your documents are reviewed and you qualify, you will be accepted as a client. You will then be charged at the closing of your mortgage. Your money is guaranteed. Please read the contract thoroughly. Most of our customers use their debit card or credit card for payment - that way if they are not happy, they can have their bank cancel the payment. In fact we encourage you to use a bank card, be it debit or credit card for just this reason!.

This process takes 90 to 120 days. The Lender will have 20 business days per RESPA to respond to the written request and 60 business days to resolve/settle this matter.

Did you know that 9 out 10 people who have a “no document” or “stated income program” are victims of predatory lending? The service we offer is an awesome answer to the predatory lending that has hurt so many families. Again, we guarantee our services!!

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