Servicing Fraud Consulting
When the Servicer Becomes the Problem, We Step In
Loan servicers are supposed to help manage your mortgage not exploit it. Unfortunately, many homeowners are misled by companies that manipulate payments, ignore modification requests, or initiate foreclosure while pretending to help. This is called servicing fraud, and it’s far more common than you think.
At E&R Home Mortgage Consulting, we uncover the red flags, investigate your servicing history, and help you take action to protect your home.
What Is Servicing Fraud?
Servicing fraud occurs when your mortgage servicer mishandles or deliberately manipulates your loan account. This can include things like “losing” payments, refusing to apply them properly, charging hidden fees, or stalling while quietly moving forward with foreclosure. These unethical practices leave homeowners vulnerable — and often unaware until it’s too late.
Common signs include:
- Payments marked “late” even when you paid on time
- Repeated requests for the same paperwork
- Ignored or denied modification requests without cause
- Receiving foreclosure notices during an active negotiation
- Sudden changes in loan balance or escrow without explanation
How E&R Protects You from Servicing Abuse
We dig into your servicer’s behavior and your payment history to find out if you’ve been misled or manipulated.
Detailed Review of Your Servicing Timeline
We analyze your payment records, statements, and servicer correspondence to spot patterns of abuse or deception.
Loan Modification History Check
We determine if your modification requests were mishandled or intentionally ignored
Foreclosure Monitoring
We track your case status to ensure the servicer isn’t secretly moving toward foreclosure while keeping you in the dark.
Strategic Action Plan
We give you the tools, facts, and direction you need to push back and stay in your home
You May Be a Victim of Servicing Fraud If…
- You’ve been denied modifications with no clear reason
- You’ve sent in paperwork multiple times but hear nothing back
- You’ve made payments that are marked “late” or “lost”
- You’re dealing with a servicer who won’t return calls or give answers
- You received a foreclosure notice unexpectedly
Don’t Let Servicing Fraud Cost You Your Home
Servicers count on you not knowing the law. We know their tricks — and we know how to fight them. If anything about your mortgage feels off, trust your instincts. Let’s look at it together before it’s too late