Before
Scattered records and conflicting explanations
Statements, notices, title documents, valuations, emails, and deadlines may sit in different places without a reliable sequence.
California property & mortgage intelligence
Before you lose the property, understand the record.
We turn scattered loan, title, servicing, valuation, and foreclosure records into a clear evidence map—so you can understand the pressure points and choose the right professional path.
Not a loan-modification company. Not a law firm. No promises of delay or a particular outcome.
The practical transformation
From a confusing file to a usable record.
The first objective is not a promise about the outcome. It is clarity: what happened, what supports it, what is missing, and which qualified professional should evaluate the next decision.
After
One source-indexed chronology
Material events are organized by date and connected to the document that supports each entry, with missing information identified.
Next decision
A factual map for the right professional
The owner and independently selected professionals can see the questions, equity context, deadlines, and available decision paths without relying on vague claims.
Multiple paths—not one canned answer
Choose the problem you need to solve first.
A foreclosure file can involve legal defects, servicing errors, insufficient time, trapped equity, or simply a need for a controlled exit. We screen for the lane that fits the facts.
Urgent sale-date review
Organize deadlines, notices, property value, liens, occupancy, and current court or bankruptcy status for rapid professional routing.
Start urgent screen →Mortgage forensic analysis
Reconstruct origination, assignments, servicing, advances, payments, fees, payoff demands, foreclosure activity, and conflicting records.
Request file analysis →Attorney merits evaluation
When the evidence signals a legal issue, we organize the factual package for review by an independently engaged California attorney.
Seek attorney review →Equity protection & exit
Evaluate reinstatement, refinance, sale, negotiated resolution, or other lawful exits with independently selected licensed professionals.
Review exit paths →Successor, heir & title issues
Build a clear ownership and communication record when transfers, probate, divorce, business entities, or servicer recognition create obstacles.
Explain the ownership issue →Private-lender disputes
Analyze notes, deeds of trust, broker involvement, payoff figures, default activity, property condition, and the practical resolution landscape.
Review the transaction →Reverse mortgage, spouse & heir review
Reconstruct HECM occupancy, property charges, disbursements, due-and-payable notices, appraisal records, and the status of a borrower, spouse, heir, or estate.
See the reverse-mortgage review →AIFORENSIC RESEARCH SYSTEM
Technology-assisted property intelligence
Proprietary AI turns scattered records into researchable evidence.
Our proprietary AI-assisted research system helps organize, cross-reference, and analyze large mortgage and property files. It accelerates chronology development, connects related records, surfaces missing information, and flags inconsistencies for human review.
Document classificationTimeline reconstructionCross-record comparisonInconsistency detection
Human verified. Attorney controlled. AI assists the research process; trained professionals verify the record, and independently engaged attorneys alone determine legal conclusions, claims, defenses, and litigation strategy.
A disciplined sequence
Facts first. Strategy second.
- 01
Urgency screen
We identify deadlines, pending proceedings, property equity, and immediate professional needs.
- 02
Forensic reconstruction
We organize the property, debt, title, servicing, valuation, and foreclosure chronology.
- 03
Evidence package
We flag inconsistencies and create a usable factual record without declaring legal conclusions.
- 04
Independent legal review
A separately engaged attorney decides whether legal claims, defenses, or court action have merit.
- 05
Resolution path
Legal strategy and practical property options proceed under separate professional authority and agreements.
The Property Record Brief
Learn what matters before you make the next move.
Our education program turns complex foreclosure records into useful questions. It is designed to bring owners and professionals into the process earlier—while meaningful options may still exist.
Document guide
The seven records to gather when a foreclosure notice arrives
Build the first working file: notices, statements, payment history, correspondence, title, valuation, and court records.
Case signals
A servicing error is a fact to investigate—not automatically a lawsuit
Learn the difference between an inconsistency, usable evidence, and a legal claim an attorney must evaluate.
Equity strategy
Why the property value and full lien picture belong at the start
A legal review without an equity and exit analysis can miss the owner’s practical objective.
Reverse mortgages
What should be reviewed in a reverse-mortgage foreclosure?
Organize occupancy, property charges, spouse or heir status, due-and-payable notices, appraisal, payoff, and foreclosure timing.
One simple first step: a free case-signal screen
Start the free screenGive us the property issue, your role, and any known deadline. We identify the appropriate review lane; a complete forensic analysis is a separate paid engagement with a written scope.
California mortgage forensics answer center
Direct answers before a homeowner makes the next move.
Written and reviewed by Lucy Boyd, founder and director. These explanations separate factual investigation from legal advice and show what a disciplined file review should actually examine.
What is a forensic mortgage analysis?
It is a structured reconstruction of the loan and property record. The review can compare the note, deed of trust, assignments, payment history, fees, advances, payoff demands, servicing correspondence, valuation evidence, title records, and foreclosure notices to identify gaps or inconsistencies that require further professional review.
Read the complete explanation →What should I do if my mortgage servicer’s records appear wrong?
Preserve every statement and letter, obtain the full transaction history, identify the exact disputed entry, and build a dated chronology. A factual inconsistency is not automatically a legal claim; counsel should evaluate the evidence and any required notices or deadlines.
See the evidence checklist →What documents matter when foreclosure is approaching?
Start with the note and deed of trust, recorded assignments, complete payment history, loss-mitigation correspondence, recent statements, payoff or reinstatement figures, Notice of Default, Notice of Trustee’s Sale, title report, valuation evidence, and any bankruptcy or court filings.
Use the foreclosure document checklist →Can an appraisal or property valuation be reviewed?
Yes. A forensic valuation review can examine property identification, effective date, comparables, adjustments, condition assumptions, market trends, concessions, prior transfers, and whether the valuation served the decision for which it was obtained.
Learn what a valuation review tests →What should be reviewed in a reverse-mortgage foreclosure?
Review the loan type, borrower and spouse status, occupancy certifications, taxes and insurance, repair notices, advances and fees, death or estate records, due-and-payable notices, appraisal, payoff, extensions, and foreclosure chronology.
See the reverse-mortgage evidence map →Short-sale transaction support
You represent the seller. We help untangle the file.
For realtors handling difficult California short sales, we provide behind-the-scenes mortgage and property analysis so you can keep the listing, the client relationship, and the transaction moving.
Submit a short-sale fileSupport can include
- Complete lien, payoff, and foreclosure-deadline snapshot
- Servicer correspondence and document chronology
- Property-value, condition, and net-proceeds context
- Short-payoff package organization and missing-item tracking
- Second-lien, judgment, HOA, tax, and title-issue identification
- Escalation record when submissions stall or instructions conflict
- Attorney referral when the file signals a legal or title dispute
Your client remains your client.
We do not solicit the listing, negotiate licensed real-estate services unless separately authorized, or promise lender approval. Legal conclusions and representation remain with independently engaged counsel.
Professional referral network
Complex property cases need the right table.
We are building a California network of foreclosure-defense and real-property attorneys, bankruptcy counsel, title professionals, appraisers, brokers, lenders, and tax specialists. Referrals are based on the needs of the file; clients remain free to choose their own professionals.
For attorneys & licensed professionals
Receive organized chronology, property and lien analysis, source-document indexing, valuation context, and client coordination support.
Join the referral networkThe operating team
Forensics, technology, and client coordination.
Lucy Boyd
Founder & Director, Property Forensics & Client Strategy
Lucy brings experience in appraisal, commercial and mortgage lending, distressed real estate, property valuation, lien analysis, payoff and servicing histories, and practical exit strategy. She directs intake and develops the factual foundation professionals use to assess complex files. Read Lucy’s background and mortgage-forensics explanations.
Brent
Chief AI Officer
Leads our proprietary AI research system, secure workflow design, data organization, and scalable case-analysis infrastructure.
Scott
Client Outreach
Helps property owners understand the intake process, gather essential information, and reach the appropriate review path.
Evan
General Manager
Coordinates operations, case flow, scheduling, communications, and follow-through across the professional network.
Penelope
Client Services
Supports client communication, document gathering, scheduling, and a clear, responsive experience throughout the intake process.
Private case-signal worksheet
Tell us where the pressure is.
This first screen helps identify the correct next conversation. It stays in your browser and does not transmit documents or create an attorney-client relationship.
Forensic Property Defense Group2323 Broadway, #108
San Diego, CA 92102
San Diego, CA 92102
Network inquiry
Are you a California attorney or licensed property professional?
We welcome conversations with professionals equipped to handle distressed-property matters with clear boundaries, independent engagement, and client choice.
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