The purpose of this Engagement Letter together with all exhibits hereto, the ("Agreement") is to set forth the terms and conditions upon which parties have agreed upon. Patrick G. Pulatie, hereinafter called (Examiner)) with an address at 2823 Woodhall Way, Antioch Ca 94509, will perform a Mortgage Loan Document Review/Report on behalf of:
Homeowner(s) Name(s) ,_______________________________________________________
with an address at ____________________________________________________________
hereinafter referred to as Client(s).
Responsibilities:
Client(s) have enlisted the services of (Examiner) to review the Client(s) mortgage documents. Examiner will review mortgage documents and prepare a Report which will disclose any possible local, state and federal regulatory compliance and mortgage related issues. This Report shall be completed within 5 business days of receipt of all the Client(s) required mortgage documents. Examiner shall deliver to Client(s) a copy of the Report and also send Client(s) a copy of any written correspondence sent to the Lender, on behalf of the Client(s). Examiner will also provide copies of any complaints sent to any local, state and federal regulatory agency, on behalf of Client(s).
Examiner will only review mortgage documents related to the Client(s) mortgage and closing. Client(s) understand that they will need to provide Examiner in a timely manner, legible copies of all the documents listed in the "List Of Documents Needed." Client(s) understand that they should not send any original documents, only legible copies that will be needed for Examiner's review. Client(s) also understand that should they send original copies, that Examiner may charge an additional fee for for copying all documents.
Client(s) understand that Examiner is a mortgage compliance review/ advisor /audit firm only and not Attorney(s). Examiner will not give legal advice to Client(s). If needed, from time to time, Examiner, upon the Client(s) request may refer Client(s) to an attorney to help protect Client(s) legal rights. Attorneys are independent entities from Examiner, and Examiner does not guarantee any Attorney(s) legal work.
Scope of Services
The following sets forth the scope of this Engagement and summarizes the tasks to be performed by Examiner. Examiner will complete a Mortgage Loan Document Review/Report of the Client(s) mortgage documents, looking for possible Excessive Fees/Charges by the Lender, Deceptive Predatory Lending Practices, and or other Fraudulent Abusive Mortgage related issues. Examiner will base his Reports on all documents Client(s) are able to provide. Examiner will thoroughly examine all documents provided by Client(s) and research actual values, events, and schedules related to the date in which Client(s) finalized their purchase or refinance transaction. Once Examiner completes the review and determines if any mortgage related issues (Excessive Fees/Deceptive Lending Practices, etc.) exists, Examiner will prepare a Report and forward a copy of that report it to an attorney of examiner's choosing for a legal opinion. Client(s) shall have the option of retaining examiner's attorney to represent them in the course so advised by the attorney, or seek other legal aid for which the examiner retains the right to terminate this agreement. In such case where this agreement is terminated following the examiner's final report, Client(s) agree that Examiner has completed the terms of this engagement, and that Client(s) shall not be entitled to a refund.
Compensation
Examiner will be paid $360.00 for the above described Examination. Client(s) shall remit this payment to Examiner upon the execution of this Engagement Letter. Payment must be made payable to "Patrick G Pulatie" in the form of a check, money order or credit card. This $360.00 payment is non-refundable. Examiner may from time to time be called upon by an attorney to provide Expert Case Consultant services in the event of legal action taken against the lender in your case. Client(s) are aware the this service is a compensatory service contingent upon a winning case. Examiner discloses herein that, Examiner does not receive any compensation of any nature for the referral of business from any attorney.
Confidentiality
Examiner will provide Client(s) with a listing of all documents needed to complete the Mortgage Loan Document Review/Report in a timely manner. Examiner agrees to examine these documents only for the purposes described above, and to otherwise hold such information/findings confidential pursuant to the terms of this agreement. Examiner will notify Client(s) if any of the documents requested, are not complete, legible or missing. Client(s) agree herein that Examiner shall have the right under this Confidentiality section to disclose information to those who have a need to know, such as attorneys, and their staff.
Entire Agreement
This Agreement and the terms and conditions herein, shall constitute the entire agreement and the complete understanding between Examiner and the Client(s), unless amended by a subsequent instrument signed by Examiner and the Client(s). The laws of the State of California shall govern this Agreement.
The provision of Services listed herein by Examiner and the Client(s) are pursuant to and in reliance upon this Agreement, absent any written objection by the Clients(s) prior to the rendering of said Services, shall constitute acceptance by the Clients(s) of all the terms, exhibits and conditions of this Agreement and this Agreement shall be enforceable against the parties in accordance with the terms herein.
Please visit our Web-Site at www.loanfrauddetective.com and click on all of the pages and links, explaining the process in detail.
Thank you for the opportunity to work with you on this Engagement and look forward to a mutually beneficial and professional relationship. It is understood that the undersigned agrees to the information contained herein, and honors this agreement.
In witness whereof, the above named parties hereto have caused this Agreement to be executed and have hereunder written their name(s) of which said names were unknown to Examiner until execution of this agreement by Client(s) as of this day and year written below.
Name _______________________________________ Date__________________
Name _______________________________________ Date__________________
