--- title: Approval to Participate Required for FHA Short Sales description: Homeowners are required to get approval to participate in the HUD pre-foreclosure sale procedure before selling their FHA insured home in a short sale. image: https://blog.amerihopealliance.com/hubfs/short-sale2-844989-edited.jpg --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## Approval to Participate Required for FHA Short Sales \[fa icon="clock-o"\] Monday, August 15, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [short sale](https://blog.amerihopealliance.com/blog/topic/short-sale), [fha](https://blog.amerihopealliance.com/blog/topic/fha) ![Homeowners with FHA insured loans need approval to participate in the HUD pre-foreclosure sale procedure to sell their home in a short sale.](https://blog.amerihopealliance.com/hs-fs/hubfs/short-sale2-844989-edited.jpg?width=425&name=short-sale2-844989-edited.jpg "Homeowners with FHA insured loans need approval to participate in the HUD pre-foreclosure sale procedure to sell their home in a short sale.")If you want to get out of your Federal Housing Administration (FHA) insured home loan through a short sale you should be aware of the differences between an FHA short sale and a regular short sale. The Federal Housing Administration (FHA) is a government agency that insures loans. It is part of the Department of Housing and Urban Development (HUD). Their goals are to “improve housing standards and conditions, provide an adequate home financing system through insurance of mortgage loans, and stabilize the mortgage market.” As a government agency, the FHA is subject to regulations that other mortgages (or investors) aren't. In a traditional short sale you list your property for sale, receive an offer from a buyer, then take that offer to your lender and ask them to approve it.  With FHA-backed loans you must first receive approval to participate in the HUD pre-foreclosure sale procedure (PFS) and then get an offer from a buyer. The FHA will not approve a sale until you're accepted into the program. You can find out how to apply for a [short sale](https://blog.amerihopealliance.com/blog/spot-the-differences-loan-modification-vs-short-sale) by contacting your loan servicer. Requirements to participate in the HUD Pre-foreclosure Sale Program include, but are not limited to:  - The home is owner-occupied. - The home must be listed for sale with a licensed Realtor unrelated to the borrower. - The short sale must be an “arm's length” transaction, which means that the buyer cannot be a member of the seller's family, a business associate, or other favored party. - Borrower is at least 31 days behind on mortgage when property is sold. - Borrower must provide documentation that shows they are unable to make mortgage payments. ## Getting Approval to Participate If your application is approved the FHA will enter into a contract with you called an Approval to Participate in the HUD Pre-Foreclosure Sale procedure. It's form HUD-90045.  > ![Homeowners with FHA insured loans need approval to participate in the HUD pre-foreclosure sale procedure to sell their home in a short sale.](https://blog.amerihopealliance.com/hs-fs/hubfs/ATP3-208590-edited.png?width=450&name=ATP3-208590-edited.png "Homeowners with FHA insured loans need approval to participate in the HUD pre-foreclosure sale procedure to sell their home in a short sale.") At this point you can advertise your property as a "pre-approved short sale". The **Approval to Participate (ATP)** letter will include specific requirements for selling the property, including that the sale price be at or near the appraised value and a deadline to sell the property by. If a signed contract of sale from a qualified buyer is not obtained by a certain date, a foreclosure sale or a [deed-in-lieu of foreclosure agreement](https://blog.amerihopealliance.com/blog/what-is-a-deed-in-lieu-of-foreclosure) will be recommended. The program also has criteria for occupancy and property maintenance, which includes obligations to cut the grass, remove snow, immediately repair broken doors and windows, and pay utility bills. > ![Homeowners with FHA insured loans need approval to participate in the HUD pre-foreclosure sale procedure to sell their home in a short sale.](https://blog.amerihopealliance.com/hs-fs/hubfs/ATP3-586448-edited.png?width=375&name=ATP3-586448-edited.png "Homeowners with FHA insured loans need approval to participate in the HUD pre-foreclosure sale procedure to sell their home in a short sale.") The last paragraph in the ATP is about borrower's incentive compensation. Borrowers can receive up to a thousand dollars for successfully closing the sale of within a certain period of time. The Approval to Participate is a short sale pre-approval contract required to short sell a property insured by the Federal Housing Administration. Once an ATP is issued the lender must postpone foreclosure until an acceptable offer is made or no offer is made for so long that a short sale has to be abandoned. ## Don't Settle for a Short Sale If You Don't Have To Some homeowners accept a short sale when what they really want is to find a way to keep their home. When their [loan modification application](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) is [denied](https://blog.amerihopealliance.com/blog/bid/278385/Why-is-my-loan-modification-denied) and their lender suggests a short sale they give up on keeping their property. What they don't know is that most homeowners who apply for a loan modification on their own are denied, and there may be something they could do to get approved. It's possible to be denied for a loan modification because your income was short by $40 a month. There are ethical and legal ways to present your application so that you have a better chance of getting what you want. But you have to take advantage of the experience of professionals who know what they're doing. Your home is too valuable of an asset to not consult with the pros before you make a decision to give it up in a short sale.   [![Free Download: Loan Modification Checklist](https://no-cache.hubspot.com/cta/default/161513/81db7952-1b06-49a0-be80-436a04f1b25e.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/81db7952-1b06-49a0-be80-436a04f1b25e) - [Tweet](https://twitter.com/share) ![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg) #### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - [loan modification (257)](https://blog.amerihopealliance.com/blog/topic/loan-modification) - [successful loan modifications (120)](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) - [foreclosure defense (116)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) - [foreclosure (102)](https://blog.amerihopealliance.com/blog/topic/foreclosure) - [loan modification help (52)](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) - [ocwen loan modification (51)](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification) - [loan modification success (43)](https://blog.amerihopealliance.com/blog/topic/loan-modification-success) - [wells fargo loan modification (43)](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification) - [carrington loan modification (34)](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification) - [stop foreclosure (29)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure) - [caliber loan modification (28)](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification) - [loan modification attorney (27)](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney) - [florida foreclosure defense (26)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense) - [sps loan modification (26)](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification) - [new york foreclosure attorney (24)](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney) - [sls loan modification (24)](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification) - [Scam Alert (23)](https://blog.amerihopealliance.com/blog/topic/scam-alert) - [bank of america loan modification (23)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification) - [how to stop foreclosure (21)](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure) - [mortgage fraud (21)](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud) - [florida foreclosure attorney (20)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney) - [loan modification lawyer (20)](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer) - [illinois foreclosure lawyer (19)](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer) - [new jersey foreclosure attorney (19)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney) - [hamp loan modification (18)](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification) - [seterus loan modification (18)](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification) - [mr cooper loan modification (17)](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification) - [understanding credit (17)](https://blog.amerihopealliance.com/blog/topic/understanding-credit) - [ditech loan modification (16)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification) - [life after foreclosure (16)](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure) - [nationstar loan modification (16)](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification) - [HAMP (15)](https://blog.amerihopealliance.com/blog/topic/hamp) - [foreclosure defense attorney (15)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney) - [bayview loan modification (14)](https://blog.amerihopealliance.com/blog/topic/bayview-loan-modification) - [loan modification denied (14)](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied) - [housing market (13)](https://blog.amerihopealliance.com/blog/topic/housing-market) - [lenders (13)](https://blog.amerihopealliance.com/blog/topic/lenders) - [loan care loan modification (13)](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification) - [PNC loan modification success (12)](https://blog.amerihopealliance.com/blog/topic/pnc-loan-modification-success) - [florida foreclosure laws (12)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) - [foreclosure defense attorney new jersey (12)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey) - [Rushmore loan modification (11)](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification) - [new jersey foreclosure process (11)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process) - [pennsylvania foreclosure defense (11)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense) - [short sale (11)](https://blog.amerihopealliance.com/blog/topic/short-sale) - [bank of america loan modification problems (10)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems) - [chase loan modification (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification) - [chase loan modifications (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modifications) - [citi loan modification (10)](https://blog.amerihopealliance.com/blog/topic/citi-loan-modification) - [foreclosure deficiency (10)](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency) - [mortgage modification (10)](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) - [shellpoint loan modification (10)](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification) - [foreclosure grief (9)](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief) - [mortgage (9)](https://blog.amerihopealliance.com/blog/topic/mortgage) - [prolong foreclosure (9)](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure) - [us bank loan modification (9)](https://blog.amerihopealliance.com/blog/topic/us-bank-loan-modification) - [bank of america foreclosure (8)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure) - [foreclosure process in new york (8)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york) - [freedom mortgage loan modification (8)](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification) - [loan modification scams in Florida (8)](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida) - [penny mac loan modification (8)](https://blog.amerihopealliance.com/blog/topic/penny-mac-loan-modification) - [selene loan modification (8)](https://blog.amerihopealliance.com/blog/topic/selene-loan-modification) - [avoiding foreclosure (7)](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) - [cenlar loan modification (7)](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification) - [florida foreclosure process (7)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process) - [foreclosure fraud (7)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fraud) - [m&t bank loan modification (7)](https://blog.amerihopealliance.com/blog/topic/mt-bank-loan-modification) - [mortgage shopping, (7)](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping) - [timeshare cancellation (7)](https://blog.amerihopealliance.com/blog/topic/timeshare-cancellation) - [ditech loan modification success (6)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification-success) - [financial worksheet for loan modification (6)](https://blog.amerihopealliance.com/blog/topic/financial-worksheet-for-loan-modification) - [foreclosure crisis (6)](https://blog.amerihopealliance.com/blog/topic/foreclosure-crisis) - [hurricane irma (6)](https://blog.amerihopealliance.com/blog/topic/hurricane-irma) - [mortgage servicers (6)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicers) - [phh loan modification (6)](https://blog.amerihopealliance.com/blog/topic/phh-loan-modification) - [roundpoint loan modification (6)](https://blog.amerihopealliance.com/blog/topic/roundpoint-loan-modification) - [trial modification (6)](https://blog.amerihopealliance.com/blog/topic/trial-modification) - [debt collections harassment (5)](https://blog.amerihopealliance.com/blog/topic/debt-collections-harassment) - [deficiency judgment (5)](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment) - [foreclosure process in florida (5)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida) - [i have a foreclosure sale date (5)](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date) - [mortgage servicing (5)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicing) - [summons and complaint (5)](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) - [asc loan modification (4)](https://blog.amerihopealliance.com/blog/topic/asc-loan-modification) - [deed in lieu of foreclosure (4)](https://blog.amerihopealliance.com/blog/topic/deed-in-lieu-of-foreclosure) - [final judgment (4)](https://blog.amerihopealliance.com/blog/topic/final-judgment) - [forbearance (4)](https://blog.amerihopealliance.com/blog/topic/forbearance) - [foreclosure lawsuit (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit) - [foreclosure process in illinois (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois) - [loan modification application (4)](https://blog.amerihopealliance.com/blog/topic/loan-modification-application) - [negative equity (4)](https://blog.amerihopealliance.com/blog/topic/negative-equity) - [normal servicing (4)](https://blog.amerihopealliance.com/blog/topic/normal-servicing) - [personal finance (4)](https://blog.amerihopealliance.com/blog/topic/personal-finance) - [phfa loan modification (4)](https://blog.amerihopealliance.com/blog/topic/phfa-loan-modification) - [principal reduction (4)](https://blog.amerihopealliance.com/blog/topic/principal-reduction) - [refinance (4)](https://blog.amerihopealliance.com/blog/topic/refinance) - [sps repayment plan (4)](https://blog.amerihopealliance.com/blog/topic/sps-repayment-plan) - [stop foreclosure in florida (4)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure-in-florida) - [suntrust loan modification (4)](https://blog.amerihopealliance.com/blog/topic/suntrust-loan-modification) - [write a hardship letter (4)](https://blog.amerihopealliance.com/blog/topic/write-a-hardship-letter) - [Bankruptcy (3)](https://blog.amerihopealliance.com/blog/topic/bankruptcy) - [Buying a home after foreclosure (3)](https://blog.amerihopealliance.com/blog/topic/buying-a-home-after-foreclosure) - [CFPB (3)](https://blog.amerihopealliance.com/blog/topic/cfpb) - [HUD (3)](https://blog.amerihopealliance.com/blog/topic/hud) - [bb&t loan modification (3)](https://blog.amerihopealliance.com/blog/topic/bbt-loan-modification) - [bsi loan modification success (3)](https://blog.amerihopealliance.com/blog/topic/bsi-loan-modification-success) - [capital one loan modifications (3)](https://blog.amerihopealliance.com/blog/topic/capital-one-loan-modifications) - [debt settlement (3)](https://blog.amerihopealliance.com/blog/topic/debt-settlement) - [default judgment (3)](https://blog.amerihopealliance.com/blog/topic/default-judgment) - [dual-tracking (3)](https://blog.amerihopealliance.com/blog/topic/dual-tracking) - [fay servicing loan modification (3)](https://blog.amerihopealliance.com/blog/topic/fay-servicing-loan-modification) - [flagstar loan modification (3)](https://blog.amerihopealliance.com/blog/topic/flagstar-loan-modification) - [foreclosure fees (3)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees) - [lawyer (3)](https://blog.amerihopealliance.com/blog/topic/lawyer) - [loan modification financial worksheet (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-financial-worksheet) - [loan modification fraud (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-fraud) - [loan modification terms (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-terms) - [massachusetts foreclosure lawyer (3)](https://blog.amerihopealliance.com/blog/topic/massachusetts-foreclosure-lawyer) - [mortgage abuse (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-abuse) - [mortgage debt (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-debt) - [news (3)](https://blog.amerihopealliance.com/blog/topic/news) - [Florida statue of limitations (2)](https://blog.amerihopealliance.com/blog/topic/florida-statue-of-limitations) - [Greentree loan modification (2)](https://blog.amerihopealliance.com/blog/topic/greentree-loan-modification) - [affirmative defense (2)](https://blog.amerihopealliance.com/blog/topic/affirmative-defense) - [consent to foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/consent-to-foreclosure) - [coronavirus (2)](https://blog.amerihopealliance.com/blog/topic/coronavirus) - [covid19 (2)](https://blog.amerihopealliance.com/blog/topic/covid19) - [dos donts of foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/dos-donts-of-foreclosure) - [fha (2)](https://blog.amerihopealliance.com/blog/topic/fha) - [fifth third bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/fifth-third-bank-loan-modification) - [florida foreclosure bill (2)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-bill) - [foreclosure auction (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-auction) - [foreclosure glossary (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-glossary) - [foreclosure moratorium (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-moratorium) - [free house (2)](https://blog.amerihopealliance.com/blog/topic/free-house) - [gregory funding loan modification (2)](https://blog.amerihopealliance.com/blog/topic/gregory-funding-loan-modification) - [hardest hit (2)](https://blog.amerihopealliance.com/blog/topic/hardest-hit) - [hardship (2)](https://blog.amerihopealliance.com/blog/topic/hardship) - [hardship letter (2)](https://blog.amerihopealliance.com/blog/topic/hardship-letter) - [home point loan modification (2)](https://blog.amerihopealliance.com/blog/topic/home-point-loan-modification) - [hsbc loan modification (2)](https://blog.amerihopealliance.com/blog/topic/hsbc-loan-modification) - [hurricane (2)](https://blog.amerihopealliance.com/blog/topic/hurricane) - [judicial default judgment (2)](https://blog.amerihopealliance.com/blog/topic/judicial-default-judgment) - [lakeview loan servicing loan modification (2)](https://blog.amerihopealliance.com/blog/topic/lakeview-loan-servicing-loan-modification) - [law firm awards (2)](https://blog.amerihopealliance.com/blog/topic/law-firm-awards) - [legal aid (2)](https://blog.amerihopealliance.com/blog/topic/legal-aid) - [loan modification cost (2)](https://blog.amerihopealliance.com/blog/topic/loan-modification-cost) - [mortgage assistance (2)](https://blog.amerihopealliance.com/blog/topic/mortgage-assistance) - [notice of default (2)](https://blog.amerihopealliance.com/blog/topic/notice-of-default) - [predatory lending (2)](https://blog.amerihopealliance.com/blog/topic/predatory-lending) - [pro se litigation (2)](https://blog.amerihopealliance.com/blog/topic/pro-se-litigation) - [regions bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/regions-bank-loan-modification) - [reinstatement (2)](https://blog.amerihopealliance.com/blog/topic/reinstatement) - [retirement (2)](https://blog.amerihopealliance.com/blog/topic/retirement) - [reverse mortgage (2)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage) - [stearns loan care loan modification (2)](https://blog.amerihopealliance.com/blog/topic/stearns-loan-care-loan-modification) - [unclean hands (2)](https://blog.amerihopealliance.com/blog/topic/unclean-hands) - [underwater (2)](https://blog.amerihopealliance.com/blog/topic/underwater) - [wells fargo (2)](https://blog.amerihopealliance.com/blog/topic/wells-fargo) - [writ of possession (2)](https://blog.amerihopealliance.com/blog/topic/writ-of-possession) - [zombie foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/zombie-foreclosure) - [21st Mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/21st-mortgage-loan-modification) - [Abandoned Homes (1)](https://blog.amerihopealliance.com/blog/topic/abandoned-homes) - [Excessive Overdraft Fees (1)](https://blog.amerihopealliance.com/blog/topic/excessive-overdraft-fees) - [FCI Lenders Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-lenders-services-loan-modification) - [FHFA (1)](https://blog.amerihopealliance.com/blog/topic/fhfa) - [HAFA (1)](https://blog.amerihopealliance.com/blog/topic/hafa) - [HOA Foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/hoa-foreclosure) - [Hardest Hit Fund (1)](https://blog.amerihopealliance.com/blog/topic/hardest-hit-fund) - [Homebridge Financial Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/homebridge-financial-services-loan-modification) - [Mortgage Forgiveness Debt Relief Act (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-forgiveness-debt-relief-act) - [Ocwen (1)](https://blog.amerihopealliance.com/blog/topic/ocwen) - [Superstorm Sandy (1)](https://blog.amerihopealliance.com/blog/topic/superstorm-sandy) - [act 91 notice (1)](https://blog.amerihopealliance.com/blog/topic/act-91-notice) - [amc loan modification (1)](https://blog.amerihopealliance.com/blog/topic/amc-loan-modification) - [auction (1)](https://blog.amerihopealliance.com/blog/topic/auction) - [bitcoin (1)](https://blog.amerihopealliance.com/blog/topic/bitcoin) - [citibank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citibank-loan-modification) - [citimortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citimortgage-loan-modification) - [class action lawsuit (1)](https://blog.amerihopealliance.com/blog/topic/class-action-lawsuit) - [complete application scam (1)](https://blog.amerihopealliance.com/blog/topic/complete-application-scam) - [conciliation conference (1)](https://blog.amerihopealliance.com/blog/topic/conciliation-conference) - [connecticut foreclosure defense (1)](https://blog.amerihopealliance.com/blog/topic/connecticut-foreclosure-defense) - [consent order (1)](https://blog.amerihopealliance.com/blog/topic/consent-order) - [credit cards (1)](https://blog.amerihopealliance.com/blog/topic/credit-cards) - [deferment (1)](https://blog.amerihopealliance.com/blog/topic/deferment) - [divorce and foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/divorce-and-foreclosure) - [email (1)](https://blog.amerihopealliance.com/blog/topic/email) - [fannie mae (1)](https://blog.amerihopealliance.com/blog/topic/fannie-mae) - [fci loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-loan-modification) - [fema (1)](https://blog.amerihopealliance.com/blog/topic/fema) - [financial crisis (1)](https://blog.amerihopealliance.com/blog/topic/financial-crisis) - [first national bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/first-national-bank-loan-modification) - [flex modification (1)](https://blog.amerihopealliance.com/blog/topic/flex-modification) - [force-placed insurance (1)](https://blog.amerihopealliance.com/blog/topic/force-placed-insurance) - [foreclosure documents (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-documents) - [foreclosure pets (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-pets) - [foreclosure trial (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-trial) - [government shutdown (1)](https://blog.amerihopealliance.com/blog/topic/government-shutdown) - [guaranteed rate loan modification (1)](https://blog.amerihopealliance.com/blog/topic/guaranteed-rate-loan-modification) - [heloc (1)](https://blog.amerihopealliance.com/blog/topic/heloc) - [home bridge financial services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-bridge-financial-services-loan-modification) - [home loan investment bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-loan-investment-bank-loan-modification) - [housing (1)](https://blog.amerihopealliance.com/blog/topic/housing) - [housing bubble (1)](https://blog.amerihopealliance.com/blog/topic/housing-bubble) - [in-house loan modification (1)](https://blog.amerihopealliance.com/blog/topic/in-house-loan-modification) - [income tax (1)](https://blog.amerihopealliance.com/blog/topic/income-tax) - [investment property (1)](https://blog.amerihopealliance.com/blog/topic/investment-property) - [judicial or clerk's default (1)](https://blog.amerihopealliance.com/blog/topic/judicial-or-clerks-default) - [leprechaun (1)](https://blog.amerihopealliance.com/blog/topic/leprechaun) - [lien (1)](https://blog.amerihopealliance.com/blog/topic/lien) - [loan modification process in florida (1)](https://blog.amerihopealliance.com/blog/topic/loan-modification-process-in-florida) - [loancare loan modification (1)](https://blog.amerihopealliance.com/blog/topic/loancare-loan-modification) - [m&t babk (1)](https://blog.amerihopealliance.com/blog/topic/mt-babk) - [mediation (1)](https://blog.amerihopealliance.com/blog/topic/mediation) - [mgc mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/mgc-mortgage-loan-modification) - [mortgage examination (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-examination) - [mortgage investor (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-investor) - [mortgage rates (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-rates) - [mr. cooper (1)](https://blog.amerihopealliance.com/blog/topic/mr-cooper) - [ocwen foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/ocwen-foreclosure) - [pacific union finance loan modification success (1)](https://blog.amerihopealliance.com/blog/topic/pacific-union-finance-loan-modification-success) - [partial claim (1)](https://blog.amerihopealliance.com/blog/topic/partial-claim) - [pennsylvania housing finance agency (1)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-housing-finance-agency) - [pennymac loan modification (1)](https://blog.amerihopealliance.com/blog/topic/pennymac-loan-modification) - [probate (1)](https://blog.amerihopealliance.com/blog/topic/probate) - [quiet title (1)](https://blog.amerihopealliance.com/blog/topic/quiet-title) - [quitclaim deed (1)](https://blog.amerihopealliance.com/blog/topic/quitclaim-deed) - [recession (1)](https://blog.amerihopealliance.com/blog/topic/recession) - [remodification (1)](https://blog.amerihopealliance.com/blog/topic/remodification) - [reverse mortgage foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage-foreclosure) - [second mortgage modification (1)](https://blog.amerihopealliance.com/blog/topic/second-mortgage-modification) - [selling your timeshare (1)](https://blog.amerihopealliance.com/blog/topic/selling-your-timeshare) - [settlement conference (1)](https://blog.amerihopealliance.com/blog/topic/settlement-conference) - [sheriff's sale (1)](https://blog.amerihopealliance.com/blog/topic/sheriffs-sale) - [stearns lending loan modification (1)](https://blog.amerihopealliance.com/blog/topic/stearns-lending-loan-modification) - [stock trading (1)](https://blog.amerihopealliance.com/blog/topic/stock-trading) - [strategic default (1)](https://blog.amerihopealliance.com/blog/topic/strategic-default) - [sunwest loan modification (1)](https://blog.amerihopealliance.com/blog/topic/sunwest-loan-modification) - [tax foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/tax-foreclosure) - [td bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/td-bank-loan-modification) - [thanksgiving (1)](https://blog.amerihopealliance.com/blog/topic/thanksgiving) - [the big short (1)](https://blog.amerihopealliance.com/blog/topic/the-big-short) - [timeshare (1)](https://blog.amerihopealliance.com/blog/topic/timeshare) - [timeshare fraud (1)](https://blog.amerihopealliance.com/blog/topic/timeshare-fraud) - [trumark financial loan modification (1)](https://blog.amerihopealliance.com/blog/topic/trumark-financial-loan-modification) - [unknown foreclosure defendants (1)](https://blog.amerihopealliance.com/blog/topic/unknown-foreclosure-defendants) - [what is a case management conference (1)](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference) see all [![Quick Foreclosure Quiz](https://no-cache.hubspot.com/cta/default/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d) ### Foreclosure Process Handbook ### Sitemap - [About](https://www.amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Free Consultation](https://www.amerihopealliance.com/free_consultation) - [Blog](https://blog.amerihopealliance.com) - [Client Login](https://www.amerihopealliance.com/client_login) ### Subscribe [![Do You Need To Hire A Foreclosure Attorney? Take Our 2-Minute Quiz](https://no-cache.hubspot.com/cta/default/161513/ceb8a341-537c-4129-a97d-da85fc0868ce.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ceb8a341-537c-4129-a97d-da85fc0868ce) ### Recent Posts ## Contact Us ### Call (877) 882-5338 ### Fax: (954) 919-6337 ### View our Office Locations Copyright 2008 - 2026 | Amerihope Alliance Legal Services [Privacy Policy](https://amerihopealliance.com/privacy) | [Terms of Service](https://amerihopealliance.com/terms) | [Site Map](https://amerihopealliance.com/sitemap) | [Glossary](https://amerihopealliance.com/glossary.php) | [Contact Us](https://amerihopealliance.com/contact_us) We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. This web site is designed for general information only. The facts and law in each case are different. We cannot and do not represent or guarantee a specific result in any given case. See our About Us page for our qualifications and experience.