Loss Mitigation Professionals
Re: Forensic Audit for Mr. and Mrs. Lenny K. Dykstra
Loan #: 3018144125-101
Dear Audit Recipient:
The loan transaction for the above-referenced borrower/property has been audited
1
for violations
of the Truth in Lending Act [16 U.S.C. §1601] (âTILAâ), Home Ownership Equity Protection
Act [12 C.F.R. 226.32 et seq.] (âHOEPAâ), California Financial Code §4970 et seq., the Real
Estate Settlement Procedures Act [12 U.S.C. §2601] (âRESPAâ), and to the extent applicable,
violations of other state and federal laws discussed below.
This report was based exclusively on the documentation provided. It also required that we make
reasonable assumptions respecting disclosures and certain loan terms that, if erroneous, may
result in material differences between our findings and the loanâs actual compliance with
applicable regulatory requirements. While we believe that our assumptions provide a reasonable
basis for the review results, we make no representations or warranties respecting the
appropriateness of our assumptions, the completeness of the information considered, or the
accuracy of the findings.
The contents of this report are being provided with the understanding that we are not providing
legal advice, nor do we have any relationship, contractual or otherwise, with anyone other than
the recipient. We do not, in providing this report, accept or assume responsibility for any other
purpose.
Sincerely,
Marla Giddings
Senior Certified Forensic Loan Auditor