Partners
Forensic Audit
At Janus Capital Asset Management (JCAM) we specialize in analyzing commercial real estate portfolios and providing recommendations with strategies in order to maximize returns for individual and institutional investors. We work in all 50 States plus U.S. Territories.
We help our clients to restructure an individual property’s current debt obligations, restructure sub-performing and non-performing assets within existing portfolios, and provide financing for refinance or short pay options for commercial properties. In some cases we will even be able to provide new financing for commercial property purchases.
Janus Capital Asset Management – Audit Division
Janus Capital Asset Management (JCAM), formerly know as National Loan Auditors, has been proving forensic loan audits to attorneys and mortgage brokers for over two years. Attorneys rave about our legal-centric forensic loan audit. JCAM’s audits have been utilized repeatedly in legal proceedings to detail the specifics of a mortgage transaction. JCAM’s audit has been proven to get results. JCAM’s forensic loan audit has been used in hundreds of cases against the lender to help the borrower obtain a betterment of terms of their mortgage. The results have included principle reductions on first and second mortgages, adjustable rate mortgages changed to fix rate mortgages, reduction of interest rates, set up of “step programs”, and forgiveness of late payments.
JCAM’s utilizes a team of underwriters who review a set of loan documents for any irregularities. The JCAM underwriting team is comprised of industry professionals all with 10+ years of experience in underwriting.
JCAM’s forensic loan audit takes a set of loan documents and reviews them against a 125 quality control checklist. Our state-of-the-art Forensic Loan Audit Pro uncovers the TRUE FACTS buried deep within each file, cutting through the complexities with objectivity and accuracy that empowers users to develop the appropriate offensive or defensive strategies based on a thorough understanding of the loan and the actions of all parties on both sides of the transaction.
Janus Capital Asset Management – Legal Support Staff Services
Janus Capital Asset Management (JCAM) provides legal support staff services to attorneys. With the recent scrutiny that has been placed on the loan modification industry and the new legislation that has been passed in many states it has become increasingly difficult for attorneys to take on loan modification cases. Attorneys have begun to look for other solutions to outsource the preliminary case set up and packaging prior to taking a case on for representation.
JCAM provides this service to the attorneys. JCAM will gather all the required documentation from the client, organize it, and review it. JCAM will then analyze and prepare a financial budget for the client that will be accepted by the lender. JCAM orders a series of supplemental reports, including a Credit Report and Appraisal Valuation Model to provide the attorney the same information that the lender will be using when reviewing the client for a loan modification.
When JCAM hands a case binder over to an attorney, the attorney has everything they need to know about the client, their financial position, their loan, and has a complete package to submit to the lender. JCAM creates the package for the attorney, saving the attorney time so they can focus on the actual negotiations on the client’s behalf.
Janus Capital Asset Management – Commercial Division
Janus Capital Asset Management specializes in performing commercial loan workouts on behalf of commercial property owners. JCAM works with experienced business lawyers who may be able to help rehabilitate a commercial building’s debt structure. This will involve an in-depth analysis of the problems that led to your current situation, coupled with an assessment of profit, loss, accounts receivables, and realistic value of the property to determine a plan for a commercial loan workout and estimated turn around time.
Once JCAM has identified the problems, we will work with you to find the appropriate solution. The solution may involve debt reorganization, forbearance agreements, interim reduction of interest or an out-of-court debt restructuring plan. More drastic measures that go beyond the realm of workouts or restructuring include mortgage foreclosure, commercial insolvency or business dissolution. JCAM’s goal is to assist the commercial property owner in the analysis of the facts, allowing you to make the right choices to keep the property and business running.
eModify
eModify is a focused web portal for the consumer, owned by Benjamin Legal Services explaining both the residential and commercial loan modification process. This portal includes attorneys, professional, auditors, servicers and consumers. It is the goal of eModify to bring all the parties together to reach a solution that is beneficial to all the parties involved. eModify does this by connecting consumers who are in need of a loan modification with Benjamin Legal Services who will represent and assist them in the loan modification process.
eModify focuses on informing the consumer about the modification process and then connects them to Benjamin Legal Services. With offices in Florida, Illinois and California, consumers can be assured that their mortgage issues will be properly addressed. eModify utilizes the services of JCAM to audit and prepare the entire case analysis, when necessary.
