Homeowners Advisory Corporation

Our Mortgage Division Is Designed To:

  • Assist homeowners regardless of their race, ethnicity, or socioeconomic status. Help determine if they are victims of fraud.
  • Determine if a homeowner is a victim of predatory lending practices by the current lender, original lender, or a loan servicer.
  • Determine if a homeowner is entitled to immediate compensation because they are victims of predatory lending practices.
  • Connect homeowners with direct lenders or private money lenders that will help them strengthen their financial portfolios.
  • Refer homeowners to one of the nation’s best mortgage litigators if lender does not immediately compensate homeowner.
  • Assist homeowners who are two months or up to five years delinquent with their mortgage payments to avoid foreclosure.

We Guarantee Compensation In 60 Days.

If you are factually a victim of mortgage fraud, lending law violations or predatory lending you could be entitled to one of the following immediately:

Financial CompensationReduction in mortgage payment Deferment of mortgage payment or ❹ Mortgage forgiveness

Please answer the following questions:

  • Are you 100% satisfied with the terms of your current mortgage contract and mortgage payment?
  • Have  you  experienced  any  delays  with your mortgage servicing company modifying your loan?
  • Would you want to know if you are entitled to compensation by your mortgage service  company?

Nearly 6 million people can now cut their mortgage payment with refinancing.

The average interest for 30-year fixed-rate mortgages is nearing six percent again, ushering the way for millions of more homeowners to save money by refinancing now.

The recent drop in rates means that 5.9 million people can potentially save money by refinancing their existing home loans and securing a lower rate — two million more than last month, according to a new report by Black Knight. Combined savings for homeowners nationwide totals $1.6 billion, or an average of $271 per person monthly.

Sharp decrease in current interest rates comes as a surprise, as experts believe that rates would be on the rise, says Mark Hamrick, Bankrate’s senior economic analyst.

Let one of our loan auditors or financial professionals review your financial profile and connect you with the financial institution that will reduce your mortgage payment.

Many unsuspecting victims of predatory lending practices are Americans with good credit

Many hard working American homeowners with good credit and who are current with their mortgage payments are unsuspected victims of predatory lending practices.

What is the common definition of predatory lending practices?

Predatory lending includes any unscrupulous actions carried out by a lender to entice, induce and assist a borrower in taking a loan that carries high fees, a high-interest rate, strips the borrower of equity or places the borrower in a lower credit rated loan to the benefit of the lender. In addition, if you don’t speak English and your loan docs are not in your native language (and the lender did not translate your entire loan documents at the closing), you are a victim of predatory lending law violations.

In fact, in 2011, Bank of America paid $335 million to 200,000 African-American and Hispanic homeowners (borrowers) to resolve allegations of a widespread pattern of predatory lending. Bank of America was accused of steering hardworking homeowners with good and excellent credit profiles into subprime loans. Subprime loans generally carry costlier terms, such as prepayment penalties and significantly higher adjustable interest rates that increase suddenly after a two or three-year timeframe.

Wells Fargo’s hands weren’t much cleaner. They agreed to pay $175 million to settle allegations that they steered minority homeowners into subprime loans in 2012.

Judge Elizabeth Magner of the Eastern District of Louisiana ruled that Wells Fargo improperly overcharged a homeowner more than $24,000 in fees due to a problem in the automated system the bank use to account for his loan payments. Judge Magner awarded that homeowner $3.1 million in punitive damages.

The U. S. Department of Justice announced a $25 billion settlement with JP Morgan Chase & Company, Citicorp Inc., Ally Financial Inc., Wells Fargo, and Bank of America in 2012. The settlement resolved claims that the above mentioned national lenders and mortgage servicing companies were involved in predatory lending practices. Let one of our loan auditors provide you with a complementary mortgage loan audit to determine if you are a victim of predatory lending. If violations are discovered, we will send your case to one of the nation’s leading mortgage loan auditing companies. Thereafter, we will send your case to one of the nation’s leading mortgage litigators.

Victims of predatory lending are entitled to one or more of the following types of relief:

Substantially reduced mortgage payment

Substantially reduce the principle balance

  Financial compensation from your lender

   In very rare cases mortgage forgiveness

Could you or somebody you know be a victim of predatory lending?

Let one of our loan auditors provide you with a complementary mortgage loan audit to determine if you are a victim of predatory lending. If violations are discovered, we will send your case to one of the nation’s leading mortgage loan auditing companies. If necessary, we’ll send your case to one of the nation’s leading mortgage litigators.

We have assisted homeowners with obtaining mortgage forgiveness, principle balance reduction, and substantial reduction of the mortgage payment. Moreover, we have helped hundreds of homeowners across the country receive immediate compensation because they were victims of lending law violations or struggling with foreclosure.

For Assistance in Pre-Foreclosure Status, Please fill out the form below.  

Pre-Foreclosure Assistance