Our Forensic Mortgage Audit® is a comprehensive review and analysis of all documentation related to an existing residential real estate loan. It is a detailed examination of specific loan documents, borrower fees and, where applicable, lender actions during the mortgage process.

The unique Forensic Mortgage Audit® uncovers and identifies any errors, unfair or misleading practices, overcharges or other lending violations made during the mortgage process. The Forensic Mortgage Audit® also determines if the mortgage is in compliance with RESPA, TILA, APR and all relevant federal and state regulations.

Forensic Mortgage Audit® reviews include:

  • Real Estate Settlement Procedures (RESPA) – Regulation X
  • Truth in Lending Act (TILA) – Regulation Z
  • Home Ownership and Equity Protection Act (HOEPA)
  • Equal Credit Opportunity Act (ECOA) – Regulation B
  • Uniform Commercial Code (UCC)
  • Fair Credit Reporting Guidelines (FCRA)
  • Fair and Accurate Credit Transactions Act (FACTA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Applicable federal and state regulations as determined by LCG
  • Loan level analytics
Forensic Mortgage Audit®
Compliance Analysis Report
[For Professional Use Only

Audit Notes and Comments
Summary of Applicable Laws
Loan File Document Audit
Mortgage Loan Audit Section
Transaction Details
Transaction Participants
Mortgage Loan Compliance Audit
TILA Law‐Regulation Z
RESPA Compliance
GLBA Compliance