IRC 1031 Exchange and Revised UCC9 regarding Liens on Real Property Webinar certifiedforensicloanauditors.com
CFLA explains the complexities of revised article 9, IRC 1031 Like Kind Exchange Securitization transactions, and clarifies the enforceability of security interests in After Acquired Proceeds of Real Property collateral “Electronic Chattel Paper”.
We provide cutting-edge resources to formulate the proper challenge of “Standing” in Judicial and Non-Judicial foreclosure litigation to prove forensically, that the actions taken by the banks and their agents are not in an ordinary course of business and have made the security instrument (Mortgage/Deed of Trust) unenforceable by operation of governing statutory law.
CFLA Offers New Online Mortgage Securitization Analyst Training Class - January 20-22, 2017 certifiedforensicloanauditors.com
Certified Forensic Loan Auditors Mortgage Securitization Anaylst Training Certification Class is a comprehensive 24-hour online intensive seminar. Students study and learn important topics related to Mortgage Securitization as well as complex analysis of how to obtain recorded documents. Trainees will complete (5) five full Mortgage Securitization Audits under the direct supervision of the Senior Auditor. Also covered are the complexities of form and substance related to Expert Witness Testimony and how to use your portfolio of Education and Experience to Educate Judges and Opposing Counsel on Securitization Issues, Chain of Title, and Robosigning. Graduates of the course will receive a Certificate of Completion having met the CFLA requirements necessary to be accredited as a Mortgage Securitization Analyst. Learn More & Register
Governor Cuomo Announces $28 Million Fine Levied Against PHH Mortgage Corporation for Shoddy Mortgage Origination and Servicing Practices stopforeclosurefraud.com | November 14, 2016
Governor Andrew M. Cuomo today announced that PHH Mortgage Corporation and its affiliate, PHH Home Loans LLC, will pay a $28 million fine and engage a third-party auditor as part of a consent order for violations of federal and New York laws designed to protect homeowners. The consent order between the two companies and the Department of Financial Services was reached following a series of examinations that uncovered persistent shortcomings in their mortgage origination and servicing practices, including discrepancies in how mortgage foreclosures were documented and processed. Read more
False Claims by False Claimants livinglies.wordpress..com | November 7, 2016
I recently had occasion to respond to an email regarding, as it turned out, understanding the way securitization actually worked, as opposed to what is shown on paper. The topic was "tender." This is what I wrote:
Why would you "tender" money to a party whose claim is obviously false? Read more
Casting Doubt on Validity of Servicer Affidavits in Foreclosure Litigation livinglies.wordpress.com | November 4, 2016
Most institutional lenders, trusts and large financial institutions that loan money to borrowers or acquire distressed loans use loan servicers to service their loans after the loans are originated or otherwise assigned to them. Loan servicing is the process by which a lender uses a third party to, among other things, collect principal, interest and escrow payments from the borrower in connection with a loan. Read more
Wells Fargo in Talks With Prosecutors Over Potential Mortgage Abuses wsj.com | November 3, 2016
Wells Fargo & Co. is in talks with a group of federal and state prosecutors examining potential abuses related to mortgages as it continues to grapple with investigations and public outrage from its sales-practices scandal. The bank disclosed in its most recent quarterly securities filing posted Thursday that it is in discussions with the Residential Mortgage-Backed Securities Working Group of the Financial Fraud Enforcement Task Force. That group, which includes the Justice Department, has levied billions of dollars in fines on other big U.S. banks, including a $16.65 billion payout from Bank of America Corp. and $13 billion from J.P. Morgan Chase & Co. Read more
Double Blind Foreclosure Scheme is Working for the Banks: States Quietly Resetting Title Across the Board livinglies.wordpress.com | November 3, 2016
The plain fact is that if homes were fraudulently foreclosed based upon void fabricated instruments, the foreclosure itself is void. That is what is true under current law. But states like Massachusetts have passed legislation that most homeowners neither know about nor understand. Their rights to possession and title to property that is still legally owned by them (if current law was applied) are again being foreclosed legislatively. This completes the bank scheme in which the TBTF banks received a windfall "profit" in the trillions that really was a double blind fraudulent scheme. Both investors and homeowners alike are the victims while the TBTF banks are the victors. Read more
Housing advocacy groups call on FHFA, CFPB to investigate “pro-foreclosure” tactics livinglies.wordpress.com | October 28, 2016
A consortium of housing advocacy groups is calling on the U.S. Department of the Treasury, the Federal Housing Finance Agency, and the Consumer Financial Protection Bureau to investigate “pro-foreclosure campaigns,” which the groups say are being perpetrated by “Wall Street giants including the largest hedge funds, mortgage bond traders, and insurance companies.” Read more
Why the Mortgages Cannot Legally Be Enforced livinglies.wordpress.com | August 30, 2016
From the point of view of Article 9 there can be no foreclosure of a mortgage without the party claiming rights under the mortgage showing that they purchased the mortgage for value. Read more
Are We Heading for Another Housing Crisis? money.usnews.com | May 12, 2016
Ten years ago, a storm was brewing in the housing market. Lenders were handing out mortgages seemingly to anyone who applied, and in many cases, borrowers weren't asked for documentation to prove income. Some institutions rolled out adjustable-rate mortgages that featured teaser rates and were marketed to consumers as loans that could be easily refinanced before the interest rate was scheduled to reset and send payments into the stratosphere. Read more
California high court opens door to wrongful foreclosure suits latimes.com | March 6, 2016
During the bust that followed last decade's housing boom, hundreds of thousands of Californians lost their homes to foreclosure. It was a process later found to be rife with problems, such as overwhelmed bank employees who sometimes didn't even read the foreclosure documents in front of them. But challenging foreclosures on the basis of paperwork problems proved to be mostly futile, given California courts had ruled that borrowers who weren't paying their mortgages didn't suffer financial harm. Read more
The Banks Business Model is Foreclosing on Homeowners March 2, 2016
Securitization is the reason banks want homeowners to foreclose. When a bank assigns the risk of a loan to the investors (certificate holders) of a Real Estate Investment Conduit Trust (SPV), the “bank” is no longer a traditional bank that gets the benefit of mortgage payments. Mortgage banks give as few modifications as possible and comply minimally with statutes put in place to protect borrowers, all while employing tricks to “cash in” on homeowners’ defaults, pushing them to foreclosure. Read more
YVANOVA affirms GLASKI!!! February 17, 2016
The collapse in 2008 of the housing bubble and its accompanying system of home loan securitization led, among other consequences, to a great national wave of loan defaults and foreclosures. One key legal issue arising out of the collapse was whether and how defaulting homeowners could challenge the validity of the chain of assignments involved in securitization of their loans. We granted review in this case to decide one aspect of that question: whether the borrower on a home loan secured by a deed of trust may base an action for wrongful foreclosure on allegations a purported assignment of the note and deed of trust to the foreclosing party bore defects rendering the assignment void. Read more
Calif. Supreme Court Lets Borrowers Challenge Wrongful Foreclosures nationalmortgagenews.com | February 19, 2016
The California Supreme Court on Thursday ruled that borrowers may challenge a wrongful foreclosure on the grounds that the assignment of the deed of trust was invalid. The decision in Yvanova v. New Century Mortgage Corp. has the potential to radically increase the number of lawsuits brought by borrowers, particularly on loans that were pooled into securitized trusts, experts on both sides of the issue said. Read more
The Mortgage Industry Keeps Showing It Doesn’t Care About You thefiscaltimes.com | December 30, 2015
When the mortgage industry attributes some of its recent problems to TRID, they aren’t referring to some unheralded Star Wars character. They’re actually engaging in a uniquely unseemly lobbying tactic: using their own failings to bludgeon basic consumer protections. Read more
$5.4 Million! Jury Finds Wells Fargo Committed Fraud When It Used Robo-Signed Document i-uv.com | December 14, 2015
Congratulations to the experts and attorneys on this. As Marie McDonnell states in the article reproduced below this case is important because it is the first time that Robo-signing has resulted in an award of damages for fraud. I would add that the lawyers must have done a fine job at trial — because ordinarily we don’t see jury instructions that would support punitive damages for robo-signing. The pages are turning on a new chapter. Read more
True Costs Of Foreclosure, Property Abandonment Extend Across Neighborhoods And Communities finance.yahoo.com | January 17, 2017
CLEVELAND, Jan. 17, 2017 /PRNewswire/ -- A groundbreaking analysis of the true costs associated with the nation's housing crisis quantifies for the first time the substantial and numerous impacts foreclosures and vacant and abandoned properties have on homeowners and their communities. Even based on conservative estimates, the typical foreclosed home imposes costs of more than $170,000, according to a study commissioned by Community Blight Solutions and its Founder & Chairman, Robert Klein. Read more
Lawsuit Seeking Disgorgement Might Not Be Barred by Statute of Limitations livinglies.wordpress..com | January 15, 2017
What is apparent here is that the Courts are coming to terms with the possibility that those relying upon a statute of limitation as a defense to various claims might NOT be protected by an otherwise applicable statute of limitations. The premise enunciated in a decision that seeks affirmation from the U.S. Supreme Court, is that disgorgement is not monetary damages or a penalty. It is an equitable finding that a party has been unjustly enriched and therefore has no present right to hold onto ill-gotten gains. The decision could result in elimination of the statute of limitations as a defense for the banks. Read more
Chase-WAMU Letter Reveals "Expungement" and "Assignments" of Alleged Mortgages Not on the Books and Records of WAMU livinglies.wordpress..com | January 11, 2017
There is an old saying on Wall Street that "Bulls make money, Bears make money but Pigs never do." The obvious circumstances of Chase claiming ownership to nonexistent loan portfolios contained within WAMU coupled with the admission in this letter to the FDIC, shows just how arrogant Chase felt when they informed the FDIC that they wanted to get paid by the FDIC for expunging documents and fabricating other instruments for "loans" that were not on the books and records of WAMU at the time of their purchase and sale agreement wherein Chase acquired the WAMU estate. Read more
MERS/GMAC Note and Mortgage Discharged livinglies.wordpress..com | January 10, 2017
If only all courts would entertain the possibility that everything presented to them should be the subject of intense scrutiny, 90%+ of all foreclosures would have been eliminated. Imagine what the country would look like today if the mortgages and fraudulent foreclosures failed. Read more
Steve Mnuchin’s Bank 'Robo-Signed' 6,000 Foreclosures a Week forward.com | January 7, 2017
Steve Mnuchin’s financial skeletons could come back to haunt him as he tries to win confirmation as President-elect Donald Trump’s Secretary of the Treasury. A leaked memo from the California Attorney General’s office that alleges his bank routinely violated the state’s laws in foreclosing on homes. Read more
Fannie Mae Announces New Foreclosure Prevention Program fanniemae.com | January 7, 2017
WASHINGTON, DC – Fannie Mae (FNMA/OTC) announced today its Flex Modification foreclosure prevention program, which is designed to help America’s families by offering reductions to their monthly mortgage payments. The Flex Modification leverages components of Fannie Mae’s Home Affordable Modification Program (HAMP®), which is set to expire at the end of this year, and the Fannie Mae Standard and Streamlined Modifications, which will be replaced by the Flex Modification in late 2017. Read more
After helping a fraction of homeowners expected, Obama’s foreclosure prevention program is finally ending washingtonpost.com | December 30, 2016
When the Obama administration announced a massive effort to help distressed homeowners in 2009, it set high expectations. The program, government officials said, would keep up to 4 million borrowers out of foreclosure. “It will give millions of families resigned to financial ruin a chance to rebuild,” President Obama said at an event announcing the effort. “By bringing down the foreclosure rate, it will help shore up housing prices for everyone.” Read more
Foreclosures of Reverse Mortgages Are Different wordpress.livinglies.com | December 29, 2016
The headline on Bloomberg News as reported by National Mortgage News caught my eye. It read “Mnuchin’s Reverse Mortgage Woes Blemish Record of Treasury Pick.” As I read on, I realized that reverse mortgage-bashing by the media, which had almost disappeared in recent years, was now being revived to tarnish a Trump appointee. The article reports that reverse mortgages are an “icky” business in which celebrity spokespersons “set the stage for a potential foreclosure on an elderly widow or widower...” Read more
Deadline To Preserve Right To Challenge Foreclosures Approaches bankerandtradesman.com | December 27, 2016
Last Friday, Antonio Ibañez – yes, that Ibañez – spoke out publicly for the first time urging homeowners who have been foreclosed-upon prior to 2014 to file paperwork at their registry to preserve their right to challenge that foreclosure for 20 years by Friday, or lose that right forever. The bill Gov. Charlie Baker signed into law last November cures “Ibañez-like” title defects on foreclosed upon properties, so they can be legally resold and is sometimes referred to as the Ibañez Repair Law. Read more
Free House wordpress.livinglies.com | December 27, 2016
Judges may be biased in favor of "national security" (i.e., protecting the banks), but they have a surprisingly low threshold of tolerance when they are confronted by the bank's argument that they don't have to accept the money and that it is the bank's option as to whether to accept the money or proceed with the foreclosure. To my knowledge that argument has lost 100% of the time. And THAT means the homeowner was able to get the proverbial free house or otherwise settle under seal of confidentiality (which might include the "free house.") Read more
Why the Banks Fabricate and Forge Documents wordpress.livinglies.com | December 27, 2016
We all know that the banks committed wholesale fraud on the government, on investors, on the the court system and on borrowers. They fabricated documents, forged them, altered them, and even paid off employees of Government agencies to do things that in normal circumstances would never be tolerated. Read more
A Litany of Accusations in Barclays Mortgage Lawsuit wsj.com | December 23, 2016
The Justice Department’s mortgage lawsuit against Barclays runs nearly 200 pages, and many of the most serious accusations come from internal calls among employees that were recorded and later reviewed by federal investigators. The suit filed Thursday seeks to paint Barclays as a bank where executives knew the underlying mortgages behind their securities were bad, and repeatedly found ways to securitize them and misrepresent the quality of those loans to investors. Read more
Deutsche Bank To Pay $7.2 Bln In US Mortgage Settlement; Sees Hefty Charge In Q4 nasdaq.com | December 23, 2016
(RTTNews.com) - Shares of Deutsche Bank AG ( DB ) were gaining around 4 percent in the early morning trading in Germany after the bank on Friday said it has reached a settlement in principle with the US Department of Justice over mortgage-backed securities. The bank agreed to pay $7.2 billion, compared to the initial fine of $14 billion, to settle civil claims over the bank's sale of residential mortgage-backed securities related to the 2008 financial crisis. Read more
Falling Into the Traps Set By the Banks wordpress.livinglies.com | December 20, 2016
For the past 15 years there has been a huge chasm between what a document says and what actually occurred. In foreclosure settings, the conscious decision has been made to ignore the Truth and proceed on the falsehoods promulgated by the banks. This arises from the "national security" fear that if the banks are not allowed to continue their fraudulent behavior, the entire financial system will collapse taking the entire society down with it. This myth is promulgated by the Banks, who supply the government with people to regulate the banks. Even as a theory it is untested, and unsupported by any real evidence. Unfortunately for Americans, too many people believe it. Read more
New “Original Notes” from Visionet Systems: How False Original Signatures Are Created livinglies.wordpress.com | December 15, 2016
Kudos to Bill Paatalo who has quantified and identified what I have been talking about for years---the production of "original" notes that were previously destroyed. The sarcasm from the bench has dripped ridicule on anyone even suggesting that the "blue ink" signature is merely a reproduction on a fabricated document. The revelations in this article might be a step toward changing that attitude. Read more
Rescission is a Test of Persistence livinglies.wordpress.com | December 15, 2016
The "free house" mythology will have become reality. That is what happens when you break the laws governing deceptive and predatory lending. ... for those who don't give up, the reward is substantial when TILA rescission is reluctantly recognized by the Courts as effective upon mailing. Read more
Proposed Amendments To The Bankruptcy Code Could Adversely Affect Student Loan Securitizations mondaq.com | December 15, 2016
In response to the growing balance of student loan debt in the United States, lawmakers have proposed legislation that would eliminate the most lender-protective feature of student loans – the inability to discharge the debt in bankruptcy. Similarly, to foster the restructuring of student loan debt, the Department of Education has recommended making privately issued student loans dischargeable in bankruptcy if the lender fails to offer debt relief payment options. If implemented, these and similar initiatives could significantly impact investor returns on student loan asset-backed securities (or SLABS) backed by privately issued student loans and give rise to lawsuits by or on behalf of investors. Read more
Databank of CHF (JPMC) Robo-signers in California December 7, 2016
ATTENTION CALIFORNIA HOMEOWNERS!!!!!!!! Are you a current, or were you California homeowner (between 2004 and present)? Was CHASE “HOME FINANCE, LLC” (“CHF”) now known as “JP MORGAN CHASE, N.A. (“JPMC”)” your lender, or loan servicer, or trust’s trustee? Did you receive any assignment(s) and/or substitution(s) of trustee from any source while CHF was the lender, or servicer, or the trust’s trustee? Read more
CFPB increases foreclosure protections journal.firsttuesday.us | November 22, 2016
The Consumer Financial Protection Bureau (CFPB) has released new rules for mortgage servicers to follow when responding to mortgage delinquencies and pursuing foreclosure. Beginning October 19, 2017, mortgage servicers are to offer homeowners foreclosure protections more than once if the need for protection arises numerous times. Read more
More legislation to help the BANKING CARTEL October 25, 2016
For nonjudicial foreclosures which are resolved (e.g., reinstatement, foreclosure alternative, etc.) after the notice of default (NOD) is recorded, but before posting the notice of trustee’s sale (NOTS), the maximum base trustee’s fee has been increased. Read more
Latest Case on TILA RESCISSION NOTE: Disagreement Among Circuits Perhaps Ripe for USSC Review Remanded justia.com | October 20, 2016
After plaintiff began missing loan payments on a house she bought in Long Beach, ReconTrust initiated a non-judicial foreclosure. In this case, the lender was Countrywide, the borrower was plaintiff and the trustee was ReconTrust. Plaintiff subsequently filed suit alleging that ReconTrust violated the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692e(2)(A), by sending her notices that misrepresented the amount of debt she owed. Read more
Judge rejected in its entirety the government's argument to hide Fannie & Freddie docs foxnews.com | October 5, 2016
As the Obama administration runs out the clock on its second term, it seeks to hide ever more of its policies from public scrutiny. One of the most extreme examples is the White House’s attempt to invoke presidential privilege, which is reserved for the most important national security, military, and diplomatic affairs, to conceal documents about housing. Yes, housing. Read more
Well-written Guide to TILA - Rescission September 19, 2016
The purpose of these materials is to provide an outline of consumer claims under the Federal Truth in Lending (TILA) and Real Estate and Settlement Procedures Act (RESPA), especially as they relate to mortgages, and consumer bankruptcy cases. With the crash in home prices, as a practical matter, TILA claims, at least as regards mortgages, are worthless to most consumers. Read more
FDCPA and FCCPA: Temperatures rising livinglies.wordpress.com | August 24, 2016
FDCPA and FCCPA (or similar state legislation) claims are getting traction across the country. Bank of America violated the federal Fair Debt Collection Practices Act ("FDCPA") and the related Florida Consumer Collection Practices Act ("FCCPA"). (Doc. 26). The Goodin case is a fair representation of the experience of hundreds of thousands of homeowners who have tried to reconcile the numbers given to them by Bank of America and others. Read more
California Code of Civil Procedure section 128.5 July 26, 2016
Prior to 1995, courts had the ability to impose monetary sanctions on litigants and their counsel for almost any kind of transgression, and some judges developed reputations for doing so very liberally! The relative calm that reigned after a significant change in the law in 1995 may be over. Effective January 1, 2015, California Code of Civil Procedure section 128.5 — a statute that authorizes the imposition of monetary sanctions for bad faith litigation tactics that are frivolous or solely intended to cause delay — is back. Dormant for several years but never repealed, the Legislature resuscitated it in 2014, and it again becomes part of every California litigator’s arsenal. This article briefly explains this development. Read more
U.S. Bank v Naife July 22, 2016
TILA rescission remand affidavit that disclosures were inadequate; trial court to decide if adequate; if not, court imposes terms of recisssion remedy. Read more
Saterbak Petition for Review Denied Sc Notification for: S234109 appellatecases.courtinfo.ca.gov | July 14, 2016
Laura Saterbak appeals a judgment dismissing her first amended complaint (FAC) after the sustaining of a demurrer without leave to amend. Saterbak claims the assignment of the deed of trust (DOT) to her home by Mortgage Electronic Registration Systems, Inc. (MERS) to Structured Asset Mortgage Investment II Trust 2007-AR7 Mortgage Pass-Through Certificates 2007-AR7 (2007-AR7 trust or Defendant) was invalid. Arguing the assignment occurred after the closing date for the 2007-AR7 trust, and that the signature on the instrument was forged or robo-signed, she seeks to cancel the assignment and obtain declaratory relief. We conclude Saterbak lacks standing and affirm the judgment. Read more
"Chase agreed to settle for only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again."
CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.
CFLA.com and CFLA Training Academy are professional auditing firms as well as the Nation's Leading Experts in Mortgage Securitization and Training. Certified Forensic Loan Auditors is a nationally recognized leader in the Foreclosure Defense Industry.
Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii. Bankruptcy Practice, Foreclosure Defense Strategies, Principal Reductions through Strategic Litigation, Mortgage Securitization in Litigation, and the Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Patricia Rodriguez, Esq; John Fretz, Esq; Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Charles Christmas, Esq; Timothy O’Reilly, Esq.; Amar Gupta, Esq.; and others.
Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,000 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL.
Foreclosure Defense or Contract Dispute Litigation attorneys—contact us today to advertise your law firm via Sponsored Link Ads on our site.
CFLA is the recognized leader throughout the U.S. as experts in Mortgage Securitization and Training. As founders and creators of this industry, we have long set the bar for expectations of a Auditing Company. Our experienced staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory Lending, Mortgage Fraud and Securitzaiton Fraud.
In 2007, CFLA was founded by the Nation’s Leading Foreclosure Defense Attorneys to serve the Foreclosure Defense Industry and fight pervasive Bank Fraud and Institutional Fraud. CFLA united some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA—the foremost, nationally recognized legal brand for law firms, attorneys, and small business across the United States. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. As the company continues to grow, we continue to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea—it's our founding principle.
Call us today to obtain samples of work product, including Bloomberg Securitization Audits, Litigation Support, Quiet Title Packages, and to get more information about our Nationally Accredited and Industry Acclaimed Forensic Loan Analyst Training Certification Classes (3 days). The Nation’s Only Certification Training Class for Analyts in this industry!
What is a Securitization Audit?
NEW CASE: Glaski Securitization Audits Can Prove Wrongful Foreclosure in California Read more.
Mortgage Securitization Analyst Training Certified Forensic Loan Auditors, LLC. has created a complete training certification program entitled: Mortgage Securitization Analyst "MSA"- A 20-hour in-person intensive seminar held across the country. Read More
"To simply assert mortgage fraud is one thing. But to provide the evidence that will stand up in court is another. CFLA has done an excellent job providing home owners and legal professionals the necessary & essential tools to prove a case on behalf of home owners. I have observed the growth and development of CFLA over the last several years. I am grateful for the dedication and commitment to excellence demonstrated by Andrew Lehman, the founder and chairman of CFLA and his network of legal professionals. Whether you are challenged with debt or wanting to help those who are, CFLA provides the clear and simple learning that empowers you with a new perspective & alternative remedies."
Expert Witness Package
Mortgage Securitization Auditors, trained by CFLA, have been admitted as Expert Witnesses in nearly every jurisdiction nationwide and have a minimum of 10 years of industry related experience, 40 Hours of Classroom Training on Mortgage Securitization, and have been certified through our Nationally Recognized “Mortgage Securitization Analyst Training Certification Class.” Read more
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Certified Forensic Loan Auditors, LLC
13101 West Washington Blvd.
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CFLA IS NOT A LAW FIRM AND DOES NOT PROVIDE ANY LEGAL ADVICE. CFLA DOES NOT OFFER FORECLOSURE CONSULTING OR FORECLOSURE RELIEF
SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA
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