Are you in foreclosure? Have an Adjustable Rate about to spiral out of sight? Promised one
  thing then delivered something entirely different? You are not alone.

  Californians lost 27,000 homes to foreclosure in May of 2008 and 25,000 in June. In
  addition, over 35,000 new notices of Auctions were posted.  Many of those 
  unfortunate homeowners had the now infamous "subprime" adjustable-rate financing that 
  exploded on them, increasing monthly payments to unsustainable numbers.  The typical
  ending was that the homeowner lost the house in the foreclosure process.   Even more
  alarming is that many homeowners would never have lost their homes if they had only known
  that their lenders violated federal laws when the loan was first made. State and Federal
  regulations that govern the mortgage industry are extensive and complex to say the least
  but they have become law to protect you, the consumer.

  How do you know if you have been the victim of Predatory Lending?
 
  The best way to determine if you have been the victim of Predatory Lending is through a 
  Loan Audit or Loan Examination. This is a complex process that involves "disecting" your
  loan documents, page by page. Each page is reviewed for any violations that may be found 
  and then given to you in a format for use by an attorney. (Approximately 95% of the
  documents I examine have had some form of predatory lending, misleading disclosures, or
  other violations of State and Federal regulations.)

  There are hundreds of checkpoints involved in the forensic examination of real estate
  documents. Many discoveries are found that lead to either legal action against the lender or
  a Demand Letter from an attorney ordering that the loan be modified into something you can
  actually afford.. Lenders would prefer the lesser of expenses and avoid legal action by
  complying with the attorney's demands. Even in the rare case that I find nothing wrong with
  your real estate documents, the attorney will still proceed with the loan modification, and
  represent your best interest during the loss mitigation negotiations.

  If you think this program sounds too costly, think again. My research has shown that the
  average costs charged by Loan Modification companies found on the internet ranges from
  $3,000 to $7,000, and typically, they don't examine all your real estate documents. My
  program includes a complete examination of your documents for $360. Different attorneys
  will take the results of the audit and do the loan modification from $500 up to $1500,
  depending upon the complexity of the case.  On occassion, some clients have
  only had to pay for the document examination and court filing fees. The attorney has taken
  the rest of the case on a contingency basis.  However, this is not the norm.

  You need not be another casualty of the housing crisis.  Allow me to examine your
  loan documents and find those violations committed by the lender or the loan broker. Then
  you can take action to get even with the "Predatory Lenders" and save your home.

  Bio:

  Troy State University graduate with a degree in Business and Finance and for the last 12
  years, a loan officer and Supervisor, originating  both government and conventional
  loans.  Works daily with attorneys as a Case Consultant, assisting in cases where there are
  signs of predatory lending.  Testified in Federal Courts in San Francisco as an Expert
  Witness for homeowners fighting back against predatory lenders,  participated in Settlement
  Hearings and Mediation between lenders and homeowners,  and submitted written
  Declarations to Federal and State Court about fallacies in lender's arguments. 

  Patrick lives in the East Bay area of San Francisco. His local community has
  been staggered by the housing crisis as approximately 13% of all homes will be foreclosed  
  this year alone and 70% of all homes have negative equity.  He is fighting back to help 
  as many homeowners as possible while there is still time. 

  Feel free to contact Patrick about any issues that you are having. He can offer 
  you direction as to where and how to seek help.   He may also be able to offer you more 
  direct assistance.

  Please remember.....Patrick is not a lawyer and is not dispensing legal advice.