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The field of mortgage law is ever changing... one of the things that makes it an exciting area of practice... new statutes... new case law... ever more clever ways to break laws... and having to come up with new ways to bring suit... thus, a consultation with an attorney who has experience in the area for which you seek help is the proper place to go... don't pay for some loan audit when you will have no idea what to do with the results.
Just my opinion of course.
- Paul