What is Next? / What's Next? / Loan CSI, LLC > Loan Negotiaion based on Legal Compliance

Investigating your loan is quick and easy!
Call 305-924-8224

What’s next is a win-win situation for mortgage borrowers!

One of two results will be the outcome of Loan CSI reviewing your mortgage documents:

(1)

(2)

In maintaining an honest business practice, Loan CSI would like to state that the probability of finding errors in your mortgage documents are increased with the more questions answered “yes” in the “Are You Our Customer?” section. However, it does not guarantee that we will find errors in your mortgage documents.

Choosing the Right Investigation for You

The first step required to have Loan CSI review your mortgage documents is to select the type of investigation you would like performed. Each selection offers a different scale of investigation performed based on the documents that are reviewed and the types of violations or mistakes searched. Loan CSI will provide a report with the results of our investigation. This report can be presented to your attorney or used for negotiations with the mortgage company.

Please Note: The accuracy of the review is subject to the documents provided by you. Therefore, please click on each document required to view a sample of that document. The final set of mortgage documents are necessary, as well as, all signed documents including any preliminary disclosures that might represent initial terms that were changed at the last moment.

Investigating your loan is easy! Call 305-924-8224 or select an option below.

Option #1 - Complete Investigation for a Single Mortgage: $199.00

Review of your mortgage documents to confirm they comply with all R.E.S.P.A. (Real Estate Settlement Procedures Act) disclosures such as A.R.M. (Adjustable Rate Mortgage) changes.
R.O.R. Investigation and a Mortgage Disclosure Investigation
Loan CSI will review your Right of Rescission period for the Refinance of your property and all disclosures associated with your 1st Mortgage and 2nd Mortgage.
Review of your G.F.E. (Good Faith Estimate) to assure that all fees and mortgage terms disclosed are the same as those used in your T.I.L. (Truth In Lending Disclosure.
Review of your T.I.L. for any mathematical mistakes in calculating the A.P.R. (Annual Percentage Rate), amount financed, and amortization schedule of the loan.
Review of your HUD1 (Loan Settlement Statement) fees charged to verify that the total amount of fees do not violate HOEPA (High Cost Finance Section 32) Fee limitations, as well as, State allowable charges.
Review of your Mortgage Note in relation to prepayment penalties, interest rates, disclosed or not disclosed.
Aggregate escrow analysis available for additional fee, please call.

Forms required: Authorization Form, 1003 Loan Application, T.I.L. , G.F.E. , R.O.R. , HUD1, Mortgage Note, and A.R.M. Rider (if applicable)

Option #2 - Complete Investigation for 1st and 2nd Mortgages: $299.00

Review of your mortgage documents to confirm they comply with all R.E.S.P.A. (Real Estate Settlement Procedures Act) disclosures such as A.R.M. (Adjustable Rate Mortgage) changes.
R.O.R. Investigation and a Mortgage Disclosure Investigation
Loan CSI will review your Right of Rescission period for the Refinance of your property and all disclosures associated with your 1st Mortgage and 2nd Mortgage.
Review of your G.F.E. (Good Faith Estimate) to assure that all fees and mortgage terms disclosed are the same as those used in your T.I.L. (Truth In Lending Disclosure.
Review of your T.I.L. for any mathematical mistakes in calculating the A.P.R. (Annual Percentage Rate), amount financed, and amortization schedule of the loan.
Review of your HUD1 (Loan Settlement Statement) fees charged to verify that the total amount of fees do not violate HOEPA (High Cost Finance Section 32) Fee limitations, as well as, State allowable charges.
Review of your Mortgage Note in relation to prepayment penalties, interest rates, disclosed or not disclosed.
Aggregate escrow analysis available for additional fee, please call.