Submission

Submission Form

NLS Independent Audits

Mortgage Loan Examiner's

Lenders cannot confuse things or over sell a loan. Especially if that were to cause you undue financial harm.

Lenders MUST comply with federal stautes and state civil procedures codes.

So call us and stop worrying. We are NLS!

Nationwide Loan Servicing

www.borrowerhotline.com

Take action! Fill out the submission form or contact box below to get a no obligation evaluation. Your information will be assigned to an underwriter for discussion.

It's rewarding when our staff discovers violation's that can help turn things around. Lenders know when they are at fault . . .if you show them ! They also know if you are like most borrowers you will accept your fate and accept foreclosure. Is it unlawful for them not to tell you where a numer of violations exist in your file!

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Nationwide Loan Servicing

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The Consequences to a lender are severe for failure to comply.
*Note the we are a expert witness to counsel who are approved to work with the consumer who is contemplating alternatives to foreclosure.

Fact: A lender can provide you with options such as a modification,a forebearance or even a deed lieu.
You do not eed a service to provide you with these services. When there no longer options available and
the lender is "done", maybe its time to take an alternative course of action. Call us for a free analysis.

What Every Homeowner Needs to Know!

Regulatory compliance is somthing
like an african elephant. Its smart,
very expereinced and way to big to
mess with by  yourself. Call us or write
www.borrowerhotline.com

There are serious consequences for a lender failing to follow the
three day right-of-rescission rule. Remember, until a lender provides
the material disclosures and the proper Notice of a Right to Rescind,
the three-business day rescission period does not commence.
        Lenders cannot afford to mislead you . . .

Lender Negligence -

Deceptive practices Claim 101

Creditors involved in residential transactions are

required to to make Reg Z disclsoures BEFORE consumation. They must deliver or place them in mail within three days after receiveing a wrtten credit application.

Lenders often change the terms of the original deal last minute - at the closing table. Why, because they can.

How does the immediate disclosure adherance at the signing table and final set of disclosures play issued simultaneously satisfy the lenders abilty to meet federal guidelines.

Lender Negligence -

NLS is not representing that every loan and every lender
was out to originate fraudulent loans. Many lenders did
conduct themselves in a reckless manner. And problems
do happen with overselling borrowers who were lacking
llong term financial capacity.

A borrower who could barely qualify at a low interest
"teaser" start rate would need a drop in interest rates to handle the next adjustments.

And more refinancing was allowed as the same borrower's began to realize economic hardships.

* NLS has attorney's on staff and a referral to advise and perform the services of legal counsel where ever it is required.