Mortgage Servicing Fraud
occurs post loan origination when mortgage servicers use false statements and book-keeping entries, fabricated assignments, forged signatures and utter counterfeit intangible Notes to take a homeowner's property and equity.
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Searching internet but only finding web sites talking about refinancing mortgage.

Does anyone know what this term means:

Reverse engineering of your loan terms and Annual Percentage Rate
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Basically they are talking about working backwards through your documents looking for TILA violations. Reconstructing your APR means adding in any financed costs to reveal the actual percentage you are paying. Those costs are not usually figured into the APR on your paperwork.

It all has to do with a forensic mortgage audit. Be careful who you choose to do this. There are standard TILA audits and then there are forensic mortgage audits. TILA audits look for TILA violations. Forensic mortgage audits obtain all of the documents for your loan including payment and charges records. They are looking for TILA, RESPA, HOPEA, RICO, and many other laws being broken. Yes, forensic mortgage audits are expensive, but they are much more damaging than a plain TILA audit.

I would say if someone is offering you a forensic mortgage audit for under $1,000.00 you need to ask them exactly what they will do because you will find it's a TILA audit that can be done much cheaper ($500 or less).
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