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1. ¿äÁîÀ½ ¸¹Àº »ç¶÷ÀÌ loan modification°ú loan litigation¿¡ ´ëÇؼ­ ¸¹Àº Áú¹®ÀÌ µé¾î¿À´Âµ¥ ÀÌ°ÍÀÌ ¹«¾ùÀÎÁö¿ä
Loan ModificationÀº Áö±Ý »óȲÀÌ Èûµå´Ï±î ÀºÇà¿¡ ÀÌÀÚ¸¦ ±ð¾ÆÁÖ°í Æä¾î¸ÕÆ®¸¦ ÁÙ¿©´Þ¶ó°í ºÎŹÇÏ´Â °ÍÀÔ´Ï´Ù.
LitigationÀº forensic loan document review or mortgage audit Çؼ­ ¼­·ù¿¡ À߸øÀÌ ÀÖ¾úÀ» ¶§ ÀºÇà¿¡´Ù°¡ ¼Ò¼ÛÀ» ÇÏ´Â °ÍÀÔ´Ï´Ù.
¼Ò¼ÛÀ» Çسõ°í ÇÕÀǸ¦ ÇÏ´Â °ÍÀÔ´Ï´Ù.
2. ±¤°í¸¦ º¸¸é 90%°¡ µÈ´Ù°í Çϴµ¥ ±×°Ô ¸Â½À´Ï±î?
Á¤È®È÷ ¸î ÆÛ¼¾Æ®¶ó°í ¸»¾¸ ¸ø µå¸®Áö¸¸ 90%±îÁö´Â µÇÁö´Â ¾Ê°í ÇÑ 40% ~ 50% Á¤µµ µË´Ï´Ù.
3. ±×·¯¸é ¾î´À °ÍÀÌ ¼Õ´Ô¿¡°Ô ÇØ´çÇÏ´ÂÁö ¼­·ù¸¦ º¸½Ã¸é ¾Æ½Ã´ÂÁö¿ä?
¿ì¸® ȸ»ç´Â loan document reviewÆÀÀÌ µû·Î À־ ÄÉÀ̽º¸¶´Ù(ÀºÇึ´Ù) Á¤¹ÐÇÑ °ËÅä(income verify)¸¦
ÇÑ µÚ litigation: ¼Ò¼ÛÀÌ °¡´ÉÇÑÁö ¾Æ´Ï¸é loan modificationÀ¸·Î °¥ °ÍÀÎÁö ¹Ù·Î ¾Ë ¼ö°¡ ÀÖ½À´Ï´Ù.
4. ±×·¯¸é ÀÌ Â÷ÀÌÁ¡ÀÌ ¹«¾ùÀԴϱî?
ÀÏ´Ü modificationÀº document¿Í handship letter¿¡ ÁßÁ¡À» µÎ°í ÀºÇà¿¡ Á¦Ãâ ÇÑ ´ÙÀ½ ÀºÇึ´Ù ´Ù¸£Áö¸¸ nego¸¦ Çؼ­ ºü¸£¸é 3ÁÖ¿¡¼­ 2´Þ Á¤µµ ½Ã°£ÀÌ ¼Ò¿äµÇ°í ÀÌÀÚ¿Í ÆäÀ̸ÕÆ®¸¦ ÁÙÀÌ´Â °ÍÀÔ´Ï´Ù.
Forensic loan document review or mortgage audit(À¶ÀÚ ¼­·ù °ËÅä)Àº ÀºÇàÀÌ °¡Áö°í ÀÖ´Â document¿Í ¼Õ´Ô²²¼­ °¡Áö°í ÀÖ´Â document°¡ Ʋ¸®°Å³ª À߸øµÈ °ÍÀÌ ÀÖ°í
¶Ç 2006³âµµ ÇϹݱ⿡ »õ·Î ½ÃÀÛµÈ ¹ý High Risk Home loan Act (À§Ç輺 ³ôÀº ÁÖÅà À¶ÀÚ Áï subprime loan ¶Ç´Â 100% À¶ÀÚ)¶ó´Â Á¶Ç×ÀÌ ÀÖ½À´Ï´Ù.
ÀÌ°Í¿¡ ´ëÇؼ­´Â Àá½Ã ÈÄ¿¡ ¼³¸í Çص帮°ÚÁö¸¸ ÃÖ¼Ò ¼ÒÀ¯µÇ´Â ½Ã°£Àº ÃÖ¼ÒÇÑ 4°³¿ùºÎÅÍ 10°³¿ù±îÁö °É¸± ¼ö°¡ ÀÖ½À´Ï´Ù.
5. ±×·¯¸é ¸ðµç documentÀÌ ½Ã°¡ Â÷ÀÌ°¡ Àִµ¥ ¿Ö ±×·¶½À´Ï±î?
ÀºÇà¿¡¼­ Á÷Á¢ ÆäÀ̸ÕÆ®¸¦ ¹Þ´Â ÀºÇàÇÏ°í ÆäÀ̸ÕÆ®¸¦ ´ëÇà ÇØ ÁÖ´Â ¼­ºñ½º ´ëÇà ÇØ ÁÖ´Â °¡°üÀÌ µû·Î Àִµ¥
¿¹¸¦ µé¸é Å« ÀºÇà, countrywide, bank of America, chase ¶Ç´Â WamuµîÀº Á÷Á¢ Çϱ⠶§¹®¿¡ ½Ã°£ÀÌ »¡¸® °É¸®°í ´ëÇàÀ» ¸Ã±â´Â ÀºÇàµé ¿¹¸¦ µé¾î subprime ÀºÇà argent, new century, WMC µî°ú °°Àº ÀºÇàµéÀº ´ëÇà¿¡°Ô ¸Ã±â´Âµ¥ ÀÌ ´ëÇà»çµéÀÌ ÀßÇØÁÖÁöµµ ¾Ê°í ÆäÀ̸ÕÆ®°¡ ¿¬Ã¼°¡ µÇ¸é late fee³ª ¼ö¼ö·á¸¦ ºÙ¿©¼­ ÀÌÀÍÀ» ³»±â ¶§¹®¿¡ ÀºÇà¿¡¼­ ¿ä±¸ÇÏ´Â °ÍÀ» ¹Ù·Î¹Ù·Î follow up ÇÏÁö¸¦ ¾Ê±â ¶§¹®¿¡ ½Ã°£ÀÌ ¸¹ÀÌ ¼Ò¿ä µÇ´Â °ÍÀÔ´Ï´Ù.
¼­ºñ½º¸¦ ÇØÁÖ´Â ±â°üÀº Àû±ØÀûÀ¸·Î ÀÌÀÚ¸¦ Àß ±ð¾Æ ÁÖÁö ¾ÊÀ»»Ó´õ·¯ ±ð¾ÆÁ־ ÀÌÀÚ¸¸ ³¾ ¼ö ÀÖ´Â ÇÁ·Î±×·¥À¸·Î ÇØÁÖÁö¸¸ ÀÌÀÚµµ ÇÑ 5% Á¤µµ±îÁö ¹Û¿¡ ¾È ÇØÁÖ·Á°í ÇÕ´Ï´Ù.
6. ±×·¯¸é ¼ÕÇعè»ó û±¸°¡ µé¾î°¡¸é ¿ø±Ýµµ ±ð¾Æ ÁÙ ¼ö ÀÖ½À´Ï±î?
¹°·Ð ÀºÇàÀÇ ½Ç¼ö¸¦ Àâ¾Ò±â ¶§¹®¿¡ ¿ø±ÝÀ» ±ð¾Æ´Þ¶ó°Å³ª ´õºÒ¾î ÀÌÀÚ¸¦ ¸¹ÀÌ ³·Ãâ ¼ö ÀÖ°í ¼Õ´ÔÇÑÅ× À¯¸®ÇÑ Á¶°ÇÀ¸·Î À¶ÀÚ¸¦ ÀçÁ¶Á¤ Çص帱 ¼ö ÀÖ½À´Ï´Ù.
¼­·ù°¡ À߸øµÈ´Ù´Â °ÍÀ» ã¾Æ³»¸é ÀºÇà¿¡¼­µµ ¼Ò¼ÛÀ» ¿øÄ¡ ¾Ê±â ¶§¹®¿¡ ¿ä±¸ Á¶°ÇÀ» µé¾îÁÙ ¼ö ÀÖ´Â ¾È¿¡¼­ Á¶Á¤ÇØ ÁÖ°í ¶Ç °á±¹ ¼Õ´Ôµµ ¼Ò¼ÛÀ» ÅëÇؼ­ ¾ò´Â À̵溸´Ù´Â Áö±Ý »óȲÀ» ÁÁÀº Á¶°ÇÀ¸·Î ´ëóÇÏ´Â °ÍÀÌ ÁÁÀ» °ÍÀÔ´Ï´Ù.
7. ±×·¯¸é ¼Ò¼ÛÀ» ÇÏ·Á¸é ÀýÂ÷°¡ ¾î¶»°Ô µÇ´Â Áö¿ä?
¾Æ±îµµ ¸»¾¸ µå·ÈµíÀÌ ÀúÈñ document review teamÀÌ ¼Õ´ÔµéÀÇ ½Ã°£À» Àý¾àÇϱâ À§ÇØ ¸ÕÀú review¸¦ ÇÑ ´ÙÀ½ modification°ú litigationÀ¸·Î ±¸ºÐÀ» ÇÕ´Ï´Ù.
ModificationÀ¸·Î °¡¾ß ÇÒ ¼­·ù¸¦ ¹«Á¶°Ç litigation·Î º¸³½´Ù¸é ½Ã°£¸¸ ¼Ò¿äµÇ°í °á°ú´Â ¾Æ¹«°Íµµ ¾øÀ» Å״ϱî¿ä.
±×·¡¼­ ÀúÈñ document review teamÀÌ ÀÏÀ» »¡¸® ÁøÇà Çϱâ À§ÇØ ÀÖ´Â °ÍÀÔ´Ï´Ù.
8. ÀºÇàÀ» litigate ÇÏÀÚ¸é ¾î·Á¿î Á¡µéÀÌ ÀÖ½À´Ï±î?
¹°·Ð ¾î·Á¿î Á¡µéÀÌ ÀÖ½À´Ï´Ù. ÀÏ´Ü Ã³À½ À¶ÀÚ¸¦ ÇÏ½Ç ¶§ ¼­·ù³ª À¶ÀÚÇÁ·Î±×·¥ ÀÚü ¶Ç´Â ¼Õ´ÔµéÇÑÅ× disclosure ¼­·ù°¡ À߸øµÆµçÁö ¾Æ´Ï¸é ¾à¼ÓÇÑ ¹Ù¿Í ´Þ¶úÀ» °æ¿ì¸¦ Áõ¸íÀ» ÇØ¾ß ÇÏ´Ï±î ½¬¿î ÀÏÀÌ ¾Æ´Ï°ÚÁö¿ä.
°á±¹ ÀúÈñ°¡ forensic review¸¦ Çϸ鼭 À߸øµÈ ¼­·ù¸¦ ã¾Æ³»¾úÀ» ¶§ À¶ÀÚ ÀÚü¸¦ µÇµ¹·Á ³õ´Â °Íº¸´Ù´Â Áö±Ý »óȲÀ» ¼Õ´ÔÇÑÅ× Á¶±Ý ´õ À¯¸®ÇÏ°Ô ¿ø±Ý°ú ÀÌÀÚ¸¦ ³»·Áµå¸®°íÀÚ ÇÕ´Ï´Ù.
9. ±×·¯¸é, forensic review´Â ¹«¾ùÀ» review ÇϽô °Ì´Ï±î?
ÀúÈñ°¡ °ËÅäÇÏ´Â ¼­·ù´Â...
 Loan Application
 Loan Terms
 Good Faith Estimate and Settlement Statement (HUD-1)
 Signed Loan Documents / Compliance Papers (¹ýÀû ¼­·ù)
 Truth in Lending Act (TILA) and Real Estate Settlement & Procedures Act (RESPA)
. APR review.
ÀºÇà¿¡¼­ ÁغñÇÑ ¼­·ùÁö¸¸, Áö³­ 5³â µ¿¾ÈÀº ±âÁ¸¿¡ ¾ø¾ú´ø À¶ÀÚ ÇÁ·Î±×·¥°ú subprime À¶ÀÚȸ»ç¿¡¼­ ¸¹Àº predatory loanÀ» funding ÇÑ °ü°è·Î, »ó´çÇÑ ¼­·ù ½Ç¼ö°¡ ÀÖ¾úÀ½À» ã¾Æ³¾ ¼ö°¡ ÀÖ½À´Ï´Ù. ±×¸®°í, ¸¹Àº subprimeÀºÇàµéÀÌ sue¸¦ ´çÇß°í ¹®À» ´Ý¾Ò½À´Ï´Ù.
10. High Risk Home Loan Act´Â ¹«¾ùÀԴϱî?
Áß¿äÇÑ Á¶Ç×µéÀº
 Ability to repay (¼Õ´ÔÀÌ payment¸¦ ÇÒ ¼ö ÀÖÀ½À» ¹Ï´Â °Í)
 Verification of ability to repay (ÀÎÄÄ È®ÀÎ)
 Prepayment penalty: 3% 1st Yr. / 2% 2nd Yr. / 1% 3rd Yr. (Á¶Ç× Àü¿¡´Â 3³âÀ̳ª 5³â µ¿¾È 6°³¿ù Ä¡ ÀÌÀÚ¸¦ charge Çß¾ú½À´Ï´Ù)
 Financing of fees and points: À¶Àڱݾ×ÀÇ 6% ÀÌ»óÀÌ ³ÑÀ¸¸é ¾È µÊ.
¸¸¾à¿¡ violationÀÌ ÀÖ¾úÀ» °æ¿ì ¼Õ´Ôµé¿¡°Ô ´õ¿í´õ ÁÁÀº LOAN MODIFICATIONÀÌ °¡´ÉÇÏ°í ¼ÕÇØ ´çÇϽŠ¾×¼öµµ µ¹·Á ¹ÞÀ¸½Ç ¼ö ÀÖ½À´Ï´Ù.