"If the people cannot trust their government to do the job for which it exists
 - to protect them and to promote their common welfare - all else is lost."
                               - BARACK OBAMA, speech, Aug. 28, 2006

Z E R O      F R A U D    T O L E R A N C E

A V E N U E  S

Mortgage  Loan Analysts - Client and Attorney Support Services



SAVE A HOME, HELP SAVE A LIFE
   * In catastrophic situations, helping  others is our moral responsibility while awaiting Public / Private: Emergency, Investigative,
      Enforcement, Regulatory and Legal Services.

To address the housing situation in our are, Palmdale, Lancaster and surrounding areas, we came up with our solution:

Our 3 Part Process:

Step 1- Discover- We empower the homeowner who did not understand and could not afford their mortgage obligation.
Step 2- Inform- We have a mandatory policy of reporting all suspicious activities. (listed below) While you await a sustainable and suitable resolution.
             
             If your situation wasn't rectified within the maximum time permitted by Law....

Step 3- Justify- Seeking redress  and accountability asserting your Right to trial by jury (Amendment VII of the United States Constitution)
             either properly represented (we provide you with a list of Lawyers how understand the simple nature of this complex problem) or  Pro Se.  

Click here for an illustrated view of our process.

Our Services:

- Consumer empowerment.
- Comprehensive analysis of your mortgage loan documents for  RED FLAGS.
- Real time Pre close analysis with post close pre rescission interceptive review (under strict time constraints).
- Loan Modification Pre and Post Close Compliance Analysis.

For Investors-  We analize your non-performing loans specifically for the purpose of determining whether there exists any basis for a repurchase demand.

Public Protection through our Mandatory Reporting of  all Suspicious Activities to one or more of the following:

- United States Interagency Council on Homelessness (USICH)
- United Senator Dianne Feinstein (D-CA)
- Consumer Financial Protection Bureau (CFPB)
- Financial Crisis Inquiry Commission (FCIC)
- Identity Theft and Economic Crime Task Force (ITEC)
- House Committee on Financial Services Subcommittees:
   Financial Institutions and Consumer Credit, Housing and
   Community Opportunity, Oversight and Investigations (USHCFS )
- United States Department of Justice (ANTI TRUST DIVISION)
- FBI  White Collar Crimes Supervisor (MORTGAGE FRAUD DIVISION)
- Federal Financial Institutions Examination Council (FFIEC)
- Internal Revenue Service- Criminal Investigation (IRS-CI)
- Office of Federal Housing Enterprise Oversight (HUD)
- Office of Fair Housing and Equal Opportunity (OFHEO)
- United States Department of Treasury (USDT)
- Government Accountability Office (GAO)
- Specific Bank Regulator (OCC, OTS, FDIC)
- Federal Trade Commission (FTC)
- Department of Justice (DOJ)
- Department of Corporations (CA.GOV)
- Office of Real Estate Appraisers (OREA)
- Department of Financial Institutions (DFI)
- Department of Real Estate Enforcement (DRE)
- FEDWIRE (The Federal Reserve Board)
- LA County District Attorney's Office (Fraud Division)
- Financial Industry Regulatory Authority (FINRA)
- Credit Rating Agencies (e.g. DBRS, S& P, Moody's and Fitch)
-  International  Organization of Securities Commisions (IOSCO)
- Your Loan Originator, Appraiser, Servicer, Trustees and all related Affiliates

* Pursuant to the Freedom of Information Act (FOIA) we verify receipt of our reports.

We do not:

- Negotiate a Short Sale with Client's current mortgage lender;
- Negotiate a Deed in Lieu of Foreclosure with Current mortgage lender;
- Attempt to negotiate a modification of Client's current mortgage loan including but not limited to
   reduction in principal balance, reduction in interest rate, reduction in monthly payments,
   re-amortization of loan for longer term;
- Broker Loans, Sell Real Estate or Provide Loan Modification Services;
- Provide Legal advice.
- Give any guarantees whether expressed or implied.

We are not:

- Loan Brokers, Lenders, Real Estate Agents or  Loan Modification Services ;
- A Mortgage Elimination Company;
- A Law Office or Credit Repair Facility;
- Legal Professionals nor claim to be one.
- Certified Public Accountants or Public experts who ensure that revenues are received
  and expenditures  are made in accordance with current laws and regulations.

Please read our Disclaimer  and Profile

What  you need to start:  Checklist and Requirements.

For Case Updates click here.

Attention: State and Federal Agencies, If you need us to substantiate  our services please
click here for a list of clients you can call and  verify with. More are available upon request.
(you can also check your  office's log of incoming complaints beginning 08/2006)

Letter from the Department of Real Estate Enforcement and our response. Alternate Link.
Our recent letter  to the DRE that we address to all.  Alternate link.

Our Concern Driven Action.

An open letter to anyone inquiring about us. Click here.


Because of the uniqueness of each case, results vary and are not guaranteed.
We do not use our results to market our services. Click here for samples of our results.     
Avenue S Mortgage Auditing Services  ("A Non-CPA Firm")
City of Palmdale Business License Verification    
url:  www.avenue-s.us     *   email: fraudwhistleblower1@gmail.com     (661)609-6357 phone  
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