What Is A Forensic Loan Audit?

Posted By Darlene Matthews

What is a forensic loan audit? Despite all the government and media hype, voluntary loan modifications occur only about 8% of the time. That number increases 4x if there is at least the threat of litigation or bankruptcy.   Your chances of obtaining a substantial loan modification will be greatly improved if the lender has violated the law…but how will you ever know?  A forensic audit can help you gain negotiating leverage on your behalf by finding violations of the law and a foreclosure relief company or real estate agent is unqualified to provide you with any of this legal insight. At its heart, a forensic loan audit is a process that breaks down and analyzes a set of loan documents to determine if all parties completed proper procedures and complied with regulations during the origination of the loan.	The federal statutes determine which federal requirements need to be met by the lender in issuing the loan. These include mandatory disclosures, how and when such disclosures are made, limits on annual percentage rate, and a number of other requirements. Forensic loan audits also analyze a loan to determine if it meets state and local requirements. Every state has some form of lending regulation.  Some states choose to implement statutes that have language almost identical to that of the federal statutes, while others go well beyond the federal statutes and put even more restrictions on the lending industry. States also may create their own causes of action for additional requirements. The #1 goal of the mortgage audit is to determine whether there were violations of state and federal law.	If these violations are found, then the borrower may be eligible for complete relief of the predatory loan or a very favorable loan modification. Complete relief of the predatory mortgage. Save Your Home! Fight Your Bank! Don't Be A Victim!  Call Now!   888-779-6580  FREE Mortgage Document Review and Free Quote

What You Need To Know Before Sharing An Apartment

Most people think moving in together is about splitting the rent. While some people just don't like to live alone, for most people, the primary reason for living with roommates is that it eases the financial burden.

If you have a roommate or two to split the rent with, your cost of living will be lower but

Homemade Chemical Free Cleaner For Your Ovens -Make Your Own Green Cleaning Products

To Safely Green Clean A Dirty Oven Without Chemicals-Make Your Own Green Cleaning Products After dealing with asthma I start researching way to clean without killing myself. I flirted what I thought was less harmful and still had a bad reaction. So I began a hobby of collecting nontoxic ways to clean.

Old Harmful Way of Cleaning An Oven

Cleaning those baked on doors are such a problem when your oven doesn't have a automatic cleaner on it . But what do you do about that. Well of course a lot of:

• scrubbing
• unsafe fumes

The fact of the matter is we hate cleaning the oven so much that avoiding it makes it tougher to face.

How To Make Your Own Homemade Oven Cleaner

Baking soda and white vinegar! Yes I said it . Nontoxic cleaner baby!

1. Open oven door and pour baking soda on it
2. Pour equal amount of vinegar on it and watch it bubble
3. Harmless chemical reaction is removing burnt food
4. Wipe after 3-5 minutes

Mix them together like a paste . Rub on the inside of the oven door and let sit for about 10-15 minutes. Be patient if your door has been neglected. After a few treatments you will not dread cleaning your oven. You may even do it more often to keep it spotless.
Use this mix on oven spills too! The harsh chemical that we normally use are harmful for you and children. You have no idea what the exposure can do to your lungs and skin.

Household Green Cleaning Tips

BONUS TIP 1
If you burn a pot cooking. Pour baking soda directly on the burnt area. Pour equal amount or less vinegar in it.
Then let it sit over night. Use a rubber spatula to scrap up burned food.( remove excess before you begin).

BONUS Green Cleaning Product Tip
Clean delicate counter tops with baking soda and vinegar paste. This is very good for scratch prevention.For stains let it sit for 15 minutes.
Learning to use safe ingredients straight from your cabinets will save you time, money and provide you with toxic free air. For more green information please visit: How To Live Green and Stay Healthy.

Make Your Own Chemical Free Cleaner For Fruits And Vegetables

We know that our fruits and vegetables are covered in pesticides and chemicals to preserve that great look and color. Not to mention shelf life! Now that we have our fruits and vegetables safely at home, it's the perfect time to use a vegetable wash to protect our family from toxins

We eat to be healthy but know we are at a constant risk. Why ignor this?  How do we know that rinsing them cleans them? We don't. But it does remove what ever is on the top of the skin. We don't want to eat any chemical's used to preserve the life of the store bought fruit.

 

 

 Fruits And Vegetable Washes And Cleaning Systems

• One way to protect yourself from chemicals on our food is to grow your own fruits and vegetables free of pesticides.
• You can also build your own Hydroponic System, which is another option to grow your own fruit and vegetables. You can build it yourself with the proper plan and you do not have to have soil. It can also be adjusted to limited space.
• Purchase a hydroponic system.
• Buy store brand fruit and vegetable spray cleaning solution.
• Purchase expensive food washer.
• Make your own fruit and vegetable green cleaning wash solution.

It is best to get your produce from a wholefood store and pay for organic fruit. However this can be very expensive.We need to learn how to build our own organic garden.

 

How To Make Your Own Nontoxic Cleaner For Fruit and Vegetables

But for now, here's a Green Clean method I want to teach you for sanitizing your fruits and vegetables. You can also use this natural method anywhere even on your meat to remove salmonella and other bacteria.

Natural Cleaner Recipe

• 2 spray bottles
• peroxide
• white vinegar

Put the peroxide and white vinegar in separate bottles. Spray on food separately. Use dark bottle to prolong active ingredience.Never put in same bottle. They will cancel each others effectiveness out. But separately they will remove all types of bacteria and salmonella. Spray, spray rub, rub, rinse,rinse. It doesn't matter which is sprayed first.

Keep this handy in your kitchen for all questionable bacteria mishaps. No more chemicals for you. This removes 10 times more toxins than clorox bleach.According to Susan Sumner, a food scientist at Virginia Polytechnic Institute and State University.

While washing fruit skin using a sponge will help remove stubborn toxins. Leafy vegetables in a colander should be sprayed and rinsed well and/or can be soaked in salt water with lemon juice for several minutes.

Be sure to rinse thouroughly after spraying so not to affect taste and smell of food.Using distilled water works best when cleaning food being that it is stripped of all contaminants.

You will greatly reduce the bacteria and germs in your food. But will not totally be rid of them if they were not grown organically. If you enjoyed this nontoxic vegetable wash Recipe, get more useful green cleaning tips for home and to learn how to detox poisons from your body visit http://visitmrs.weebly/ and life.

Best Regards!

Inexpensive Mobile Laptop Tables- Techni Mobili Mobile Woodgrain Laptop Cart

Finding a table for your laptop that blends with your furniture decor and storage for the handy items needed a reach away is possible with this Techni Mobili Mobile Laptop MDF Cart with Storage. It has a very reasonable price and is very handy with wheels to go! This design blend from the kitchen, living room, to your child's bedroom.

This Mobile Laptop Table will easily be moved from on place to the other with ease

Laptop Computer Adjustable Stand

A less regal design but very sleek and easy to move closer with less reach. Wheels and design make this particular laptop table easy to slide under sofas,beds and chairs that are close to the floor.

Adjustable Air Vented Aluminium  Laptop Notebook Table

This small adjustable laptop table is great to use while lounging in bed or on your sofa. No worries about not enough ventilation while busy online. The cost is justified in design and convenience. A must for college students, sick and just plain tired :)

Home Accent Furniture- Kitchen Counter Bar Stools

Kitchen Counter Bar Stool is the answer to seating in small homes. Living in smaller spaces enables us to save money while being more creative.

Kitchen counters bar stools are not only convenient but they allows us more space to move around and use more small home design ideas.

These bar stools can be used under tables or counter spaces. How many times have you seen make over shows and think how can anything be done and then become completely surprised.

Bar stools are made with so many options today. They are not just the same old circular seat and legs.

Bar Stool Benefits

• Stackable
• Storage
• Folding
• Adjustable Height

Small Home Design Ideas

• Place bar stools under kitchen aisle.
• Luxurious Counter Kitchen bar stools
• Hide collapsible bar stools in closet or hooks.
• Use stools with tops for extra storage.

Bar Stool Style

• Ultra Modern
• Elegance
• Retro
• Contemporary

Bar Stool Materials

• Wrought Iron
• Cast Aluminum
• Stainless Steel
• Rattan/Wicker
• Wood
• Fabric/Leather

How To Chose The Best Pressure Washer For Your Siding And Home

Today we have to take care of our homes in a smarter more economical fashion. Especially when jobs like how to clean your siding become necessary. Finding the Best Pressure Washer will certainly be the best solution to renew your home.

When you learn how to clean your siding with a pressure washer you will never pay anyone else to do this for you again. With the right pressure washer, even a rented one; you will save tones of money by doing it yourself.

I know how it can be when you have stains from the normal weather changes on your home siding that makes you embarrassed to go in. Maybe the concrete in your parking area has unsightly oil stains that really stick out when you have people over in the summer months.

We wash our car, but how often do we wash our homes and groundwork? We don't, we depend on the rain to handle the heavy work. However the stains and dirt become worse than embarrassing.

Getting the best pressure washer for you particular problem will add years of appeal to your home. There are
pressure washers that are easy to carry, economical, and energy efficient.

Fyi:
PSI pounds per square in pressure of water used 2,000 psi and below for home use. 4,000 PSI for commercial use.

Different Types Of Pressure Washers:

• Steam
• Portable             
• Electric

Steam Pressure Washing To Clean Your Siding And Other Home Task:

• Side walks
• Brickwork
• Siding
• Concrete
• Decks
• Windows
• Stone walkways

Portable Pressure Washers For Smaller Jobs:

• Pets
• Vehicles
• Bikes
• Lawn Furniture
• Windows

History Of Children's Clothing- Children's Clothing Then And Now

The History Of Children's Clothing industry has grown in global proportions and more clothing companies and designers are concentrating on more young children and babies to enhance their bottom line. Be this as it may the children we are finding today are more creative, original,safe and convenient.

The are so many clothing lines that cater to the very choosy, thrifty and the one that want to spare no expenses. There are so many avenues to get great clothing no matter the size of your wallet.

• Boutique Children Clothing
• Wholesale Children Clothing
• Organic Children Clothing
• Custom Made Children Clothing

I remember the times when our children's clothing were poorly designed and was not very practical. Today we have snapped pants for the very young, stretch fabric for more movement and so forth.

Children's clothing have come along way. We can literally buy children clothing items right in the drug store,phone,catalogs and right online.

If you want to have some more fun walking down memory lane ask your mother or older relative about the history of childrens clothing of years ago.

How To Detox Your Body And Cleanse Your Colon Natually

Why and how to Detox Your Body Naturally? I used to ask myself the same question when I was in my thirties. I knew that my body would naturally expel any impurities through natural body functions if I had diet that was full of great foods line oat, greens and water.

However that did not work out with all the wonderful restaurants and commercials taunting me. I gave in and that when it all began. A pound or two every year until now.

I did realize that I was putting more in then what was coming out when I starting gaining weight. Eating less was not the problem, however being healthy became an issue.

My skin was not looking a clear as it has been and I began loosing energy and graving junk.I went to a preventive all natural consultant when the doctor said I was in good shape and was told to cleanse my body at least 4 times a year, to remove store unwanted waste.

I was told I would regain energy, feel lighter, and that my small aches and pains will decrease it not go away! Well I did like the way that sounded but looking through the expensive options I decided to go with the home remedy master cleanse. Which was less expensive.

Benefits To Naturally Detoxing Your Body

• Inches off your waist by eliminating waste
• Clearer skin
• Better health
• Organs that function better
• Lower cholesterol

It was a no brain-er, If Beyonce can do it so can I! Oh yeah, I found out she did it to get ready for the movie "Dream Girls". But this is no fad diet and shouldn't be used as one.

I had to change my diet before starting and eliminate some unhealthy foods. But regardless, I will promise to at least do a full cleanse 2 times a year.

How To Prepare For The Natural Body And Colon Cleanse Detox Remedy

• Prepare for your natural body and colon cleanse (Master Cleanse) by changing the way you eat. Eliminate sugars and heavy meats before you begin your cleanse. Adding more soups,fruits and vegetables before your cleanse will get you better prepared. Going cold turkey right before you cleanse will not help your will power and a large heavy meal before you cleanse is not advisable.
• You will be taking a salt flush or Smooth Move Herbal Tea in the morning before and the evenings before going to bed to further eliminating the waste that is loosened by the cleanse. You can drink as much water as you want while taking you cleanse.
• With the improved energy you will be noticing you your forth day, walking and exercise will burn more fat from your body.
• When breaking your fast you will want to eat fruits and vegetables up to 5 days of fasting for 5 days. Anything over 5 days of fasting you should only add grapes,oranges and yogurt to your diet for the same amount of days that you fasted for. Introducing heavier foods is harmful to your sleeping system.

A colon cleanse will give you a great start, however you will have to do some fat burning exercises to keep a lean and trimmer body. You don't want to just depend on the cleanser.Your body needs movement to stay healthy and work properly.

FYI: You can cleanse just on the week end for maintenance or after a long bingeing on the wrong foods.You should always check with your doctor before starting something like this. Sometimes you already have a health condition that won't allow this.

Cheap Travel Sites And Really Cheap Plane Tickets

When traveling you have to do you research for the best Cheap Travel Dealsavailable. Multiple sites allow us to check out multiple airlines and hotels at the same time.You can purchase cheap travel insurance as a option at any travel website.

Also don't forget to check your local paper, even in the days of the Internet. Deals you miss with popular travel and special hotel rates are on paper.

 Cheap Travel Sites

• http://www.orbitz.com/
• http://www.travelocity.com/
• *http://www.priceline.com/
• http://www.cheaprooms.com/
• *http://www.hotwire.com/
• http://www.expedia.com/
• http://www.sidestep.com/
• http://www.cheaptickets.com/
• http://www.cheapflights.com/

*The two services wants your money before letting you know your flight information.However if you chose Priceline's "Name Your Own Price" you may get the cheapest price on hotel and air online.

After looking and comparing website prices, don't stop there. You can call the hotel of your choice and ask for further discounts, even though the website boast the really cheap plan ticket price online.

Hotels will downgrade you if you except one of their unfavorable room with maybe a tear in carpet that has not been replace yet. They will not offer this, you will have to ask.

• Book Early
• Downgrade
• Travel with group.
• Travel mid-October to mid-May (off season)

Location, Location, Location

I know your wondering why I didn't add that you can book a hotel further away from activities. It can be cheaper away from tourist area. But can cost you more to travel back and forth apposed to paying extra to be closer. Do the math, especially if your paying for a family of 4 or more to travel.

Secret To Getting The Best Unadvertised Accommodation Deal?

Just Ask!

After finding out how much your room is ask...

• Can you do better than that?
• Can I have a room with a fridge/wifi
• Do you have a nicer room for the same price?
• Do you have a special room for families?
• Do you have free parking or breakfast?
• Can I have a double for the price of a single?
• Do you have a smaller room for a lower price?

Warning: Do not touch minibar drinks or food, ever! You will be billed top price.

Find Cheap Hotel Sites

When shopping for hotel stays, make a list of the places you want to stay. Go to their company website and look for their specials. Business hotels have two day or week end getaway packages some include an all inclusive deal which means free meals!

Other Cheap Lodging Accommodations

You can be a guest in someone else's home through networks that match up host and travelers. The cost is considerably cheaper but the personal care you receive is priceless. You can have a private room and bath or you can sleep on someone else's couch (seriously).
In exchange for lodging you may have to offer your place in exchange to members traveling to your neck of the woods. The sites will let you know what is required.

• http://www.welcometraveller.org/- $10 a night charge for lodging.
• http://www.globalfreeloaders.com/- Lodging exchange.Give back what was received.
• http://www.friendshipforce.org/- 5 to 7 day host families who act as tour guides for low fee.
• http://www.adventuretravel.com/- Savings for world traveling alone or with others without sacrificing quality.
• http://www.homeexchange.com/- Swap your home with others to appreciate free accommodations. Be sure to get references before the swapping takes place.

Travel Cheap By Land

Now that you have made arrangements to leave, let's not waste money getting to the airport with expensive taxis. Use a group van service or your carpool partners.
When traveling by subways be sure to inquire about visitor cards and all day metro cards to save on all day travel.New York has a 7 day Metro Card for at this time $27.

When getting your rental car ask for the cheapest one, they may not be able to fill your order because they can not be sure what's available by the time you come pick up the car. They may have to upgrade for free. But be aware that the bigger better car may be a gas guzzler and end up costing more. Stay fuel efficient.
http://www.supershuttle.com/- This is a shared van service that cost much less than a taxi.

If you took a month off to travel Amtrak goes everywhere in the US and Canada. Their 30 travel pass is perfect to nonstop travel enjoyment.

http://www.amtrak.com/- You can get a 30 day pass to travel to your hearts content.

http://www.greyhound.com/- When you plan 3 or more days in advance you get a special rate and 50% discount on your travel companions ticket. 7 days in advance will get you "Go Anywhere Deals".

Cheap Travel Deals and Cheap Travel Idea's at your disposal, please bookmark this and by all means add any deals or travel discounts.

Grocery Saving Websites

As you know everyone is trying everything to cut the cost of living down. But we still need to save money on groceries and other everyday needs.The more we cut back the more we spend time with our family , wow!

Well I was watching the news yesterday and it showed a couple of companies that actually sent out checks 4 times a year of the saving people made with their purchased from stores like Walmart,Nordstrom, Office Max, Barnes and Noble, there are hundreds.

Basically you have to shop online, however I saw that if you already have Walmart account you can join in and shop at the store! I'm sure this feature works with other stores.

 

 

Grocery Coupon Websites

You go to the site join http://www.ebates.com/ it took me a second, all I had to do was put my email address in to get started. How easy is that to save money online grocery shopping and other household items. You then will find what your store you want to shop in and click on their tracking number an choose you items.They have deals you can't get in the store and you get cash accumulating for four months of shopping.

You have to shop anyway why not do it an get paid. I do mean every store is listed. I thought I would be disappoint but there are hundreds of stores to shop at. Even the ones you thought you could not afford. Now you can treat yourself at a cheaper prize and get money back.

Before I forget there is another site call http://www.fatwallet.com/you can shop at places like Armani Exchange, Get tickets for Six Flags, Airline, Dave and Buster's,Macy's and save up to 90% on specials.Macy's currently has a 65% off home furnishing special going on.

You can even get Free Printable Coupons from fatwallet.com! All you need is your grocery list.. How great is that?!

Fatwallet has a forum with people across the country telling you where more deals are.You can find a deal at Target a few miles from you and grab a deal a neighbor spoke about!

They also have a brick and mortar area also and down loadable coupons. I'm sure ebates have down load ables if you look for them.wait..Let me check now, one minute ....thanks for waiting, I didn't see any down loadable coupons, however you can make hotel reservations.

 We have cut down on waste, learned to budget, spend more quality family time, and learn to get along with others better. We've volunteered, raised more monies for charities, established more help organizations even the children!

What a country. We are survivors. Just look at all the blogs on being frugal. That alone speaks for itself. Check out those sites now and save save save.

By the way they have been around for over 10 years and are members with the BBB. I guess we had to go through some things to find out.

You can buy almost anything food,clothe,bikes, exercise equipment, bath a beauty items, hotel stays, airline tickets,furniture, music, pet supplies,restaurant deals,you name it.
Fatwallet has also has a forum where people are sharing car deals and other money saving tips with each other.
I almost forgot this website has car insurance to "AsSeenOnTv" Infotools.GetADeal.us. they looked kind of skimpy on first view but mosey around and they will surprise you! I found Omaha Beef with over 60% discount and many many more money saving surprises!

10 Money Saving Tips

1. Use tax refund to pay down dept.
2. Educate yourself by reading advice by financial advisers,such as Suzy Orman.
3. Credit Cards only to be use for emergencies.(It's Harder To Spend The Green Stuff)
4. Family must work as a team to save.
5. Give up some luxuries (cable,going out,etc) and do family games at home.
6. Trade clothe instead of shopping for new ones.Kids grow fast teach them now to be frugal.
7. Purchase less house than you can afford.
8. Refinance your existing home for lower rates.
9. Use free online phone service such as skype.
10. Use online codes for prepaid phones for more minutes.(trac phone codes)

Increase Home Value

Updating your home is always a wise decision. You can add value to your home with easy task that require you to hire a contractor or designer. You will have the enjoyment and pride of a beautiful home and the added value and appeal when you are ready to sell.


Visit design stores or websites to get your creative juices flowing. This is a job you can certainly do to add value to your home and take pride in after you finish.


Of course the smiliest thing you can do is give your home a new paint job. You may want to add color on an accent wall to show off family pictures or to make a space seem separated from the rest of a larger space.

Update Sinks And Vanities

The first thing you would do to make substantial and lasting changes is to replace outdated sinks from kitchen and bathrooms. These are the first places a new buyer would look for to determine their fit in their new home.


Choosing a glass vessel or porcelain sink will be affordable and stylish. It will also be easy to clean and durable throughout the years. Of course their is a much wider material choices with sinks nowadays, you can even get a bamboo or stone sink!


When replacing vanities and counter tops replace and update the hardware as well to add a more attractive look in this space.

Wall Shelving

Wall shelves made of glass are a very addition. The should be quality wood shelving or glass and will add storage space and update your floor plans in your kitchen and bathroom.


Adding more storage space is always an attractive feature to anyone with a family that needs to be organized with ease.This is a very affordable way to enhance the value of your home. Shelving is very inexpensive opposed to building new closets and buying wall units.

Replace Your Old Toilets

The toilets in an old home can be a money faucet if it is wasting water with each flush and is an eye soar. You can replace your toilet with a new duel flush money saving toilet. You will be surprise how stylish they can be and how much money you can save on your water bill.


Upating your home is a task that must fit in your current budget. If you want to add value to your home don't go outside of your budget and lose money on the front end.


Upgrading Your Home On A Budget means sticking to a budget will allow you to get everything done to turn your home into something you will be very proud to show to your friends and family as well as rewarding when the time comes to upgrade to your next home.

Home Staging

Are you thinking about selling your home? If you are there are some facts to get used to right now. Your house is now a product and you will have change the way you view it. If you have already begun to show your home you will have to first unpersonalized it. This means removing your pictures from the walls and keepsakes from your shelving.

The people that are thinking about purchasing your home have to be able to imagine seeing themselves in this house. They can't if the only thing they keep seeing is your family pictures. Your home should be staged to sell. Staging a home will cause your home to sell over 35% faster.

• Fresh paint.
• Lighting.
• Update kitchen/bathroom.
• Remove family pictures.
• Table setting.
• Flower centerpiece.
• Manicured lawn.

Your home must be turned into a fantasy for your potential buyers. They must fall in-love with the idea of living in this space. The lighting in your house must be welcoming and never gloomy. Proper and seductive lighting will enhance any room while enticing your home shoppers.

You must think about a model home when staging , if you are not good at this you should consider hiring a professional home stager or learn how to become a home stager and stage your own home . This skill can also allow you to make money!

How To Decorate Your Own Party Cake

Cake Decorating can be a hobby or a business, you many have natural talents or children that made decorating cakes natural to get into. Whatever the reason for your passion for designing cakes you have ventured into an amazing past-time.

Decorated cakes bring happiness and memories that are priceless. To be able to enhance someones life by such artistry is quite wonderful. Do you remember the look on your loved ones face when the see a cake customized or well lite with designs just for them? Amazing! Bringing this type of joy can never have a price on it, well sometimes it does!

Weddings, birthdays, and many other special occasions sometimes can not be left with a cake that is less than spectacular and if you don't have any skill or imagination in your arsenal to muster up such a wonder you may have to pay someone else or invest in your journey to Cake Design....
.

Tips To Decorate Your Own Party Cake

• Ready made designs to place onto your cake.
• Theme based decorating kits for fun and professional look.
• Colored icing to enhance your unique cake.
• Cake toppers.
• Apply layover pictures just for cakes. They can be made from your person image.

Don't worry about now being a pro. You can add predesigned cake decorations to your already made cake. There are tools and kits you can easily use to add names, themes and  messages in any color to your party cake.


Cake decorating can become your part time business or hoppy. Experimenting for all of your family party needs will have you a star in know time as well as allowing you to enhance your skills. Get some good Cake decorating books and see just how far you can go, but alway enjoy the journey!