Your mortgage servicer is betting you won't check.
AI-powered forensic audit that detects servicer violations and generates legal documents to fight back. In minutes, not months.
The Problem
Mortgage servicers misapply payments, charge phantom fees, manipulate escrow accounts, and foreclose on homes that aren't in default. The math is designed to confuse you. The paperwork is designed to bury you.
Mortgage Guardian
What costs $5,000+ and takes weeks with a human auditor — Mortgage Guardian does in minutes. The first product from Guardian AI LLC.
Upload mortgage statements. Our AI extracts every payment, fee, escrow entry, and balance — even from messy PDFs and scanned documents.
Cross-reference every transaction against RESPA, TILA, ECOA, FDCPA, and CFPB rules. Every discrepancy flagged with the exact statute violated.
QWRs, Notices of Error, CFPB complaints, demand letters — generated instantly with proper statutory citations and calculated damages.
Verify how every dollar was applied: principal, interest, escrow, fees. Detect misapplication patterns that cost homeowners thousands.
Compare statements across months and years. Catch balance discrepancies, vanishing payments, and mysterious deposits servicers hope you'll miss.
Our standalone citation verification engine — available as a B2B API for legal tech platforms, compliance software, and attorney tools.
How It Works
Take a photo or upload PDFs of your mortgage statements. Our OCR engine — powered by AWS Textract — extracts every data point, even from the worst scans.
Our forensic engine cross-references every payment, fee, and balance against federal regulations (RESPA, TILA, ECOA, FDCPA) and state law. Every violation flagged with the exact statute, section, and calculated damages.
Mortgage Guardian generates legally-formatted dispute documents — Qualified Written Requests, Notices of Error, CFPB complaints, demand letters — ready to send. Your servicer has 30 days to respond by law.
Origin Story
A bank tried to foreclose on a $380,000 home for $2,000 — while the homeowner was approved for federal assistance. They filed seven conflicting account statements. They couldn't explain $25,000 in mystery deposits. They foreclosed anyway.
They picked the wrong homeowner.
That homeowner didn't just fight back — he built the weapon every homeowner deserves. Mortgage Guardian was born from that fight. Guardian AI LLC was built to scale it.
For Investors
Guardian AI LLC is building the platform that turns mortgage servicer abuse into exposed, actionable violations. Mortgage Guardian is our first product. It won't be our last.
Annual mortgage servicer error market — with zero consumer-facing technology addressing it
iOS app, web dashboard, CiteGuard B2B API — three revenue streams from day one
Proprietary violation detection engine trained on real case data, federal regulation mapping, and forensic audit methodology
The CFPB has been gutted — 90% staff cuts, enforcement frozen, supervision halted. State AGs are scrambling to fill the gap. Industry experts are calling it a "wild west" of consumer protection.
But the laws are still on the books. RESPA, TILA, ECOA, FDCPA all have private rights of action. Homeowners can still enforce them — they just need the tools. That's Guardian AI's entire thesis.
The Vision
Guardian AI LLC is building a suite of AI-powered tools that democratize access to financial and legal protection. Mortgage servicing is the first battlefield.
Forensic mortgage audit + dispute docs
Legal citation verification engine (B2B)
Pro se litigation support platform
Join the waitlist. Be first to know when Mortgage Guardian launches. Homeowners, attorneys, and investors welcome.
No spam. No sharing your data. We're literally building a company that fights for your privacy.