Red Flag Alert Level

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Mortgage origination red flag test

Disclaimer: The purpose of the Red Flag Test is to assist you in making a determination if circumstances exist in your mortgage loan approval that are potentially predatory. Defend Your Mortgage is not a loan modification company. Predatory circumstances may explain the reason your lender has failed to provide you with a loan modification. The test is not intended to be interpreted as legal advice.

Proving illegal violations exist in your loan can only be determined through a professional examination of your loan documents, followed by a legal interpretation from a licensed attorney.

Defend Your Mortgage is not a law firm. We investigate your mortgage loan and your loan modification for potential violations of State and Federal lending laws and guide our clients with professional referrals to the highest quality legal representation to save victim homes from foreclosure.

As you check the boxes below, red flags will appear in the upper right hand corner of the page which suggest it's time to call Defend Your Mortgage and consult a professional mortgage loan examiner.

Be advised that the test is divided into two distinctive categories.

  • TEST 1 - What happened at your mortgage closing
  • TEST 2 - What happened during your attempt to modify your loan

Let's take the RED FLAG TEST!

Test 1
Test 2
Your Test Reference #:  918337178

Mortgage Loan Closing Test - Part A

The payment was higher than what I was originally told.
The interest rate was higher than what I was originally told.
The type of loan I was originally promised was not the loan type I received.
I was angry about other issues.

Mortgage Loan Closing Test - Part B

The loan type I received was not the loan I was offered. My lender representative at the closing told me not to worry. After you pay 6 payments we will refinance your loan into the loan we promised. Example: my lender surprised me with an adjustable rate mortgage at the closing and promised that if I pay for 6 months on time, he will refinance my loan to a fixed-rate loan.

The interest rate was higher than I was told. The lender told me not to worry. After you pay 6 payments we will refinance your loan into the loan we promised.

The payment amount was higher than I was told. The lender told me not to worry. After you pay 6 payments we will refinance your loan into the loan we promised.

The lender promised to pay off certain credit debt. On the day of the closing, some or all of the debts that were promised would be paid were not paid.

Other promises were made to me on the day of the closing.

Mortgage Loan Closing Test - Part C


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No


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No


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No

Mortgage Loan Closing Test - Part d

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No


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No


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No


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No


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No


Yes
No

Mortgage Loan Closing Test - Part e


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No


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No


Yes
No

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