FORENSIC LOAN AUDIT: COMPLIANCE AUDIT SOLUTIONS (Members Only)

I thought I would share one of the best deals I have ever decided to go with.  A forensic loan audit with Compliance Audit Solutions, Inc. in .
I am a accounting/financial planner so you wouldn't ever expect me to have need someone to look at fees I paid or a loan I signed up for with my mortgage broker and lender.  But I am not an underwriter, and like most don't really want to sit down and read all the fine print.  That being said I was referred trhu a friend to get an audit done on my mortgage loan.  I am very familiar with  auditing and the whole being in professional field of accounting, so I looked further into it because I never did feel at ease with the mortgage note I signed up for.  Some of the reasons were just the "shady" or "dirtbag" feeling I got from my mortgage broker.  So why did I go with him?  Because he offered to get the funding for my family home...
I ended up buying the home in June of 2003. I don't need to tell everyone that this right when real estate was appreciating like crazy in .  I ended up with putting about $7,500 at closing on a $600,000 home, with an ARM starting at 4.25%, 6 month LIBOR, with Countrywide.  As you can imagine, when the ARM started to adjust higher and higher I fell into a horrible financial pitful and was seeking help to stop the bleeding (if you will).  I needed a loan modification but I wasn't willing to fall behind and ruin my credit.  After speaking to my network of friends and collegues I was referred to Compliance Audit Solutions, Inc.  I was my understanding that you can't get a modification without being behind because you are not classified as High Risk to the lender.
That being said I didn't know how one would "audit" a motgage note so I contacted Compliance Audit Solutions to see what they could enlighten me with.  Unbeknownst to me, since I only do accounting for the several mortgage/real estate clients, there are so many guidelines, regulationas and laws that have to be followed.  Apparently HUD, RESPA, and some other federal and state agency are pretty particular about the whole process by which you obtain a mortgage note. Compliance takes your mortgage note and all the other docs that be placed on your account with the lender (from being sold, resold, etc) and fine tooth combs it for irregularites.  I paid them $1,500 for the audit. I paid $750 to start and $750 upon completion of the audit report.  I honestly didn't think I was going to have anything wrong with my note, but I was wrong.  The audit showed 1 major violation and 12 minor violations. 
I then took the audit to my real estate attorney and friend.  They sent a QWR to the lender and within 7 days I got a response back offering to negotiate a better rate and a cash settlement for me being mislead.  The rate they offered was 3% fixed for the life of the loan (30 years) and $2,000 for each minor violation.  Are you counting? $24,000 cash and fixed 3% FIXED for 30 years.