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 The Advocate For Fair Lending model reverses the balance of power in lender borrower dichotomy. The homeowner's loan is the basis for review. Using existing Federal and State laws and forensic auditing processes, the homwowner may be in the position to completely change the structure of the loan or request to rescind the loan outright. In some instances, if the lender does not act within a 20-day period, the Note and Deed of Trust is voided as a matter of Law. The homeowners also receives the added benefit of a cleaning of credit because a rescission would require everything in the loan transaction to be reversed. Compared to other strategies, this gives maximum leverage and negotiation advantage to the homeowner. The homeowner no longer needs to go hat- in- hand and beg the lender for any concession. In some instances, the lender must beg not to be sued for fraud in addition to any rescission action.