The Federal Trade Commission doesn't think much about "forensic loan audits," and neither do I, from what I have seen anyway. To me, it looks to be just another way to get your money. If you think your mortgage loan or the servicing of your mortgage is wrong or illegal in some respect, hire a consumer law lawyer that is experienced in these matters. Either they can analyze your loan, or they can hire a real expert that will analyze it. But to just purchase one of these off of the internet, I think you are wasting your money.
For example, I had a fellow come into my law office the other day and he had purchased a forensic loan audit, off of the internet. It was quite lengthy and looked so official. I have studied mortgage securitization and the various problems and legal issues that can arise, but I don't claim to be an expert at it. So I forwarded a copy of the audit to a nationally-recognized expert. Wow, that didn't take long. The expert emailed me back and told me that it was "100% factually and legally wrong," and a "load of crap."
The mortgage loan audit claimed that this fellow's loan was in a securitized trust, and that there was a break in the chain of title, so therefore this fellow could bring a "quiet title" action (and get a free house, I guess). Well, my expert forwarded the information to another expert that is in the business of locating the owners of particular mortgage loans, and can determine if they are in a trust, and which trust.
Well, this loan was not even securitized, as the forensic audit had claimed. It wasn't owned by a trust at all. And that agreed with the information that the mortgage owner and servicer had filed with a court, under penalty of perjury. So basically, the fellow that bought the audit had been cheated out of whatever fee he paid for the "forensic audit." It was just plain bogus. But it looked good!
Don't be fooled by scams on the internet. If you are delinquent on house payments and your mortgage company will not work with you, and you want to keep your property and otherwise qualify, file Chapter 13 bankruptcy to stop the foreclosure, and allow you to catch up the delinquent house payments over as long as 60 months.