Law Offices of Raffy Boulgourjian, APC

      Our firm specializes in document review.  We will thoroughly audit your documents to determine if the purchase or sale of your property were in compliance with all Statutory requirements.

Over the past few years, the real estate boom attracted individuals and lenders who where focused on one thing only; closing the sale.  In the process, a lot of sloppy work was done in great haste, while unwitting homeowners were often victim to unscrupulous individuals who deducted fees and commissions which were not disclosed.

If your loan documents or transaction documents are not 100% in compliance with the law, we will find out for you.  We will conduct a thorough forensic audit of your documents.  If there are material violations of statutory laws, you may be legally entitled to rescind (“undo”) your purchase and your loan.

Some common statutory violations may include:

-          TILA (Truth in Lending Act) disclosure violations

-          RESPA Violations

-          Predatory Lending practices

-          HOEPA (Home Ownership and Equity Protection Act)

Any violations will increase our leverage in negotiations with the lender or seller, giving you an advantage in negotiating a favorable loan modification or even complete relief (a ‘walk away’) from the loan.