HAMP rules are federal — available nationwide.
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.
Your documents read against the federal HAMP conditions · Findings cited to your actual paperwork
Drop your modification documents here
or click to browse · PDF · up to 30 MB · multiple files OK
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Every review is grounded in your specific documents — checked against the federal HAMP conditions servicers were required to follow.
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, export it, or reference it anytime.
A written record you control
Your analysis is yours — saved in your dashboard, exportable, citable. Use it to understand your own paperwork, drive your own decisions, and document what you found.
What it costs
Sample — illustrative, not your data
Example of a finding structure
Each finding names the issue in plain English (example: a modification signer's authority to bind the lender).
Findings explain what was detected in your specific documents, which document it came from, why it matters under the federal HAMP framework, and what your options may be. Real findings reference the 7-condition compliance check produced by the analysis pipeline.
Example pull-quote slot
When a quote from your actual paperwork supports the finding, we surface it here with a document reference.
The card above shows the structure of a finding. Your real findings are drawn from text in your actual documents — 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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