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In the last several years, we have seen foreclosure rates skyrocket and we have learned that thanks to poor record keeping and irresponsible, criminal activity on the part of predatory lenders such as JP Morgan Chase and Bank of America, many of the people who lost their homes to foreclosures could have been the victims of a wrongful foreclosure.

The large lenders, including JP Morgan Chase, Bank of America, GMAC, Wells Fargo and US Bank have been found guilty of perjury and incompetence by a recent government review.  If that wasn’t bad enough, MERS, the database whose entire purpose for existing is to keep track of who owes what to whom, has quality-assurance processes that are flawed and cannot be trusted, which means the mortgages and titles MERS keeps track of cannot be verified as accurate.  

If you are facing the threat of foreclosure, there is a good chance that the bank may no longer possess the title to your home because they failed to follow the proper securitization guidelines.  If this is the case, then any foreclosure actions taken against you would be part of a wrongful foreclosure.  The best way to determine if you are the victim of a wrongful foreclosure is by having a securitization audit performed on your home loan documents.

A securitization audit will be able to determine beyond a shadow of a doubt if your home loan has been securitized, if your home loan was securitized properly, and if your loan documents were at any time signed off on by a robo signer. Having your home loan undergo a securitization audit is a must if you suspect mismanagement of your mortgage or are possibly facing foreclosure. With the help of a securitization audit, you potentially gain very tangible evidence to help you in court, stop foreclosure proceedings, and bring about the end of a wrongful foreclosure proceeding on your property. Banks hate these audits because they are so detailed and so good at exposing fraud on the part of mortgage lenders, the banks know they have little chance of winning. With the evidence provided by a securitization audit, many times the bank will try to settle as soon as your documents are submitted.

Homeowners need to be aware of the challenges they face and know that just because they are facing foreclosure, that doesn’t mean that they don’t have any options or help available.  By using a securitization audit, you can stop a wrongful foreclosure and be able to keep your home.

This is why if you need foreclosure help, you should not hesitate to contact Tila Solutions to give you the foreclosure help you need.  For over a decade, Tila Solutions has been looking out for the homeowner with their forensic loan audits and securitization audits.  If you need help stopping foreclosure, a Tila Solutions Consultant is available by telephone at (702) 508-0335.  Or you can visit the Tila Solutions website at forensic audits.