Forensic analysis for mortgage loan documents with signatures


Extremely important information can be gleaned from documents relating to criminal or civil matters. A suicide note found next to the deceased – was it really written by a murderer trying to cover up his crime? Bank robbery note – Are there any invisible comments that indicate the address of the shelter? The will of a rich man – has it been altered so that a family member will receive it unexpectedly? Forensic discipline, often referred to as “interrogation documents,” is often associated with white-collar crimes such as check fraud; in practice, however, this forensic science can be applied to a wide range of issues, from medical abuse to art creation to murder. Armed with solemn technology, forensic documents can look at the visible and invisible features of a document in order to extract a number of details that confirm or confirm additional information for the analysis. The digital age has made forensic medical work even more important. With access to powerful software programs such as Adobe Photoshop, Acrobat, and others, it is much easier for criminals to create and manipulate all types of fake documents from contract to cash.

Principles of Forensic Document Examination

Legal critics often receive questions about the validity of the document. To ensure that the document is genuine, the examiner can examine who created the document, see how long the document was created, and find the material used to make it, or find changes to the original text. You can check the evidence for changes deletions, deletions, and deletions of documents. Alternatively, the inspector can provide key information that identifies or identifies the origin of the document by looking at how the material or equipment the document was created. The ink, paper, stationery, banners, stamps, and stamps used in making this document can mark important advertisements. An examiner can also find valuable evidence from the invisible point of view of the document. The focus of document review is handwriting. The comparison between forensic research and handwriting (including handwriting and signature) is based on the following three principles: (1) If the number of handwriting is sufficient, no two qualified writers can display the same handwriting; (2) Everyone’s writing is quite natural (3) No writer can surpass his or her ability level (that is, some people who can read and write only know how to make very simple handwritten letters, they cannot appear in perfect form, very skilled, and curse writing ). The computer database maintained by the US Secret Service, the German Federal Bureau of Investigation, and the Federal Bureau of Investigation contains samples of thousands of authors’ works. Comparing these databases does not identify two individuals with similar combinations of handwriting features and increased handwriting reliability, as strong evidence. Why and when is forensic document examination used? Since documents are part of daily life, forensic document examiners work on a wide variety of cases. Forensic document examiners are called to investigate the authenticity of documents in situations such as:

  • forgeries
  • counterfeiting
  • identity theft
  • fraud
  • suicides
  • homicides
  • bank robberies
  • kidnappings
  • extortion
  • stalking
  • contested wills
  • contested contracts
  • medical malpractice
  • title/deed lawsuits

Forensic document examiners are most frequently asked to resolve questions of authorship. Is the signature on the mortgage loan genuine? Who wrote the anonymous note? Did the deceased sign the will? By comparing documents found at a crime scene to a suspect’s known writing samples, the forensic document examiner can help confirm who wrote the note and include or exclude suspects from the investigation.

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Ransom Note Nabs Kidnapper

The Long Island, New York case taken intensively in 1956 helped illustrate the fundamental role of research literature in research. In this case, a 1 -month -old child was brought home, and redemption was found in the cart. It is suspected that the babysitter left some money. The researchers found a notable feature, such as the author constructed 16 letters, the most prominent being the lowercase “m,” which is similar to the “z” angle. Researchers searched nearly 2 million papers, looking for similar words until the testing agency found a 31 -year -an old automotive engineer with the same “m” in his files. The examination of the paper was able to match the scores with the handwriting of the suspect, which contributed to the conviction.

Fraudulent Checks

A common problem raised in clinical research involves changes, particularly in legal legislation. For example, if someone changed a check to increase its volume, researchers might be able to verify this by comparing how ink from different pens responds when they will be exposed to infrared radiation. In the example below, the check made to “Cash” for $ 1,000 was changed by changing “1” to “9” and adding the recipient’s name. Although black ink looks like visible light, even in some bright lights, the ink that decorated the actual study has a different response than the ink used instead of the check, and it is clear. Accountants can also identify materials, inks, and even the type of office supplies or stationery used to produce the document. This is especially useful in fraud cases where the details may indicate the time frame in which the document was created. For example, if an analysis of the documentary paper reveals material that was not used in the production of the paper during the period in question, then the document, work of art, or historical source would prove that it was deceiving.

How it’s done
Evidence That May Be Examined

Materials concerned may include credentials, contracts, wills, names and works, trademarks, stamps, bank checks, handwritten letters, machine-building documents (such as photocopiers, fax machines, and printers), currencies, and electronic documents. In some cases, graffiti and digital signatures may be considered; however, the client must be aware that such evidence is difficult to investigate. Documents that do not have visible, identifiable labels can be valuable hints if they are under other documents at the time of writing. Torn or burned documents can also be useful in duplication. In addition, investigators may collect stationery, erasers, envelopes, and office supplies brands/models in possession of the suspect. In the case of digital documents, metadata evidence in electronically signed files that provides information such as who the author is and when the document was created may also be excluded.

For information on foreclosure defense call us at (877) 399 2995. We offer litigation document review support, mortgage audit reports, securitization audit reports, affidavit of expert witness notarized, and more.


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