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NJ Forensic Analysis Sample

NJ Forensic Analysis Sample

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Published by agold73

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Categories:Types, Business/Law
Published by: agold73 on Jul 01, 2011
Copyright:Attribution Non-commercial


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Forensic AnalysisPrepared For 
Egg Harbor Town Ship, NJ 08234
This document is Copyrighted property. Unauthorized use is not allowed. © 2008-2011Page 1
The loan transaction for the above-referenced borrower/property has been auditedfor violations of Truth in Lending Act [16 U.S.C. § 1601] (“TILA”), HomeOwnership Equity Protection Act [12 C.F.R. 226.32
et seq.
] (“HOEPA”),the Real Estate Settlement Procedures Act [12 U.S.C. § 2601], and to theextent applicable, violations of other state and federal laws discussed below.This report was based exclusively on the documentation provided. It also requiredthat we make reasonable assumptions respecting disclosures and certain loan termsthat, if erroneous, may result in material differences between our findings and theloan's actual compliance with applicable regulatory requirements. While we believe that our assumptions provide a reasonable basis for the review results, wemake no representations or warranties respecting the appropriateness of our assumptions, the completeness of the information considered, or the accuracy of the findings.The contents of this report are being provided with the understanding that we arenot providing legal advice, nor do we have any relationship, contractual or otherwise, with anyone other than the recipient. We do not, in providing this report,accept or assume responsibility for any other purpose.We strongly recommend you retain a licensed attorney, who practicesin the county in which your property is located. The advise of the attorneysupersedes any information you receive through this report.Livinglies/Luminaq
This document is Copyrighted property. Unauthorized use is not allowed. © 2008-2011Page 2
Egg Harbor Town Ship, NJ 08234Origination Lender: Countrywide Bank, FSB1800 Tapo Canyon RoadSimi Valley, CA 93063Loan Amount: $288,000.00Application Date: 04/09/2007Closing Date: 05/09/2007Funding Date: 05/14/2007Sales Price: A = refinanceAppraised Value: Unknown = missing appraisalValue is $322,000 on Zillow 04/01/07Seller: /A = refinanceMortgage Broker: ot Same as lender Payless Mortgage CropInterviewer:Antonio IzzoAppraiser: Omni AppraisalClosing Agent: Foundation Title LLC Metuchen441 Main StreetMetuchen, NJ 08840Escrow Officer: UnknownTitle Insurance: Foundation Title LLC (per HUD)Cash Out Proceeds: Cash to borrower $11,334.53Loan Summary: 78.95%LTV/CLTV refinancePrimary residence, Single family home
This document is Copyrighted property. Unauthorized use is not allowed. © 2008-2011Page 3
Borrower:Subject Property:Origination Loan #:MIN #:Escrow Number:

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