MCDONNELL ANALYTICS INC Information

McDonnell Property Analytics ("MPA") specializes in the analysis of residential and commercial mortgage loans from the consumer protection standpoint. We examine the nature, character, suitability, and sustainability of the transaction and determine whether the mortgage loan at issue is being serviced in strict accord with the terms of the note and mortgage, and in compliance with all applicable state and federal laws. MPA has the cutting-edge tools, advanced technologies, fact finding techniques, research capabilities, training, and experience required to determine whether a problem is the result of borrower failure, lender malfeasance, or whether it is technology and policy related. The services we offer residential consumers are designed to identify breaches of contract, violations of consumer protection statutes, and non-compliance with national housing policy. Our services are:PREDICTIVE - We measure the suitability and sustainability of a residential mortgage loan given the financial profile of the borrower and the lender's terms and conditions. DIAGNOSTIC - We identify defects in the transaction documents, find potential truth in lending violations, and uncover obscure loan terms such as hidden balloon payments and negative amortization features that increase the risk of default and foreclosure. FORENSIC - We uncover telltale signs of predatory lending, bait and switch schemes, and loan structures that were designed to fail. Our methodologies are grounded in the mathematics of mortgage finance and have been proven to stand up in court. Our commercial consumers' rights and remedies are contract-based and, therefore, our services are designed to "follow the money" through various interest rate and monthly payment changes; construction draws; forbearance plans; loan modifications; default; special servicing; bankruptcy reorganizations; foreclosure, etc. In the current culture, problem resolution between borrowers and lenders requires the assistance of legal professionals. We provide litigation support services to real estate attorneys, consumer law attorneys, and bankruptcy attorneys throughout the nation. Frequently, the problems we discover are systemic in nature and our findings can support class action litigation, securities litigation, and attorney general investigations. In addition, we often identify crimes against property that should be prosecuted by the authorities.