Document Library
We have put together additional forms and documents to help you with the process
- Required Documents - Required Documents lists all documents that are necessary to run a loan audit.
- Qualified Written Request (QWR) Sample - Our QWR form can be used to obtain loan documents from the servicer that are required to perform a forensic audit. Section 6 of RESPA provides borrowers with certain rights regarding the servicing of their mortgage and escrow account as well as laying out the responsibilities of the servicer. Under federal law, servicers have to acknowledge the letter within 20 working days and respond in 60. RESPA is a consumer protection statute.
- Forensic Loan Audit Sample - Our Forensic Loan Audit is a comprehensive This service includes an extensive Forensic Loan Audit of your Real Estate Documents by a Certified Forensic Loan Auditor to uncover TILA, RESPA, Civil Code, Business & Professions Code, and many other State and Federal Violations by the Lender in areas such as Fraud, Predatory Lending, Unfair Business Practices, Disclosures, and many others for the purpose of (1) Principal Reduction, (2) Interest Reduction, and (3) Loan Modification.
- Home Affordable Modification (HAM) Program Hardship Affidavit (Fannie Mae Form 1021) -
This uniform hardship letter is required to modify loans owned by Fannie Mae under the HAM program. This form can also be used as a template for any hardship letter.
- Home Affordable Modification (HAM) Program Hardship Affidavit (Freddie Mac Form 1122) - This uniform hardship letter is required to modify loans owned by Freddie Mac under the HAM program. This form can also be used as a template for any hardship letter.
- Streamlined Modification Program (SMP) Hardship Affidavit (Fannie Mae Form 1023) - This uniform hardship letter is required under the SMP program. This form can be used as a template for any hardship letter.
- IRS Form 4506-T - This form is needed to order a transcript or other return information free of charge. You can also call 1-800-829-1040 to order a transcript. Most servicers will require one to two years prior tax returns.
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