Not every loan modification was done legally. If the servicer who processed yours lacked the authority, used the wrong process, or modified a loan they didn't have the right to touch — the terms you're paying under may not hold up. Upload your documents and find out where you stand.
873 modification documents analyzed · Violations found in 61% of cases
Drop your modification documents here
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If no modification violations are found, you pay nothing.
Why it matters
Servicers modify loans on behalf of investors and trusts — but many did so without actual authorization. If the company that modified your loan didn't have the right to do it, the terms they set may not be legally binding.
Most mortgages sit inside trusts with strict rules about what can be changed and when. If your loan was modified in a way the trust agreement didn't allow, the modification itself may be invalid — regardless of what you signed.
Modification agreements require a signature from someone actually authorized to bind the lender. Many were signed by processors or contractors acting outside their authority. That can make the document unenforceable.
What you get
Written findings on every issue detected
Not a checklist. Each finding includes what was detected, which document it came from, why it matters legally, and what your options may be.
Q&A access — ask follow-up questions
After you receive your results, you can ask questions about your specific findings directly in your dashboard. No extra charge.
Permanent access in your dashboard
Your analysis doesn't disappear. Come back to it, share it with an attorney, or reference it anytime.
Something to bring to an attorney
Attorneys charge $300–500 for a consultation — often before they've read anything. Walk in with a documented written analysis and you're starting from a completely different place.
Cost comparison
This is what a finding looks like
The company that modified your loan was not authorized to do so under the Pooling and Servicing Agreement
Your modification agreement was signed by a servicer employee acting on behalf of the trust — but the PSA governing your loan required investor approval for modifications of this type. No such approval is reflected in your documents. A modification executed without proper authority may not be enforceable as written.
From your documents
“Servicer hereby agrees to modify the terms of the Note on behalf of the Lender…”
Each finding is drawn from text in your actual documents — not generic statements. You see exactly what was found, where it came from, and what it means.
How it works
Drag and drop your modification letters, denial notices, and servicer correspondence. Upload as many as you have — partial sets still produce findings.
Your documents are read against the federal rules servicers were required to follow — checking authority, process, timing, and signature validity.
A written breakdown of every issue found, cited to your actual documents. Ask follow-up questions in Q&A. Access it anytime in your dashboard.
Get started
Even a single letter produces findings. The more you upload, the deeper the analysis.
Documents to include
PDF only · up to 30 MB per file · multiple files accepted
Drag & drop your documents here
or click to browse
Secure checkout via Stripe · Pay once · No subscription · Results in your dashboard within minutes
Common questions
$147. One time. No subscription. Written findings from your actual documents, in plain English, in minutes.
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