--- title: Foreclosure and Loan Modification Blog | Jake Sterling (13) description: Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes. (13) --- [![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 ## Jake Sterling Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes. Find me on: [\[fa icon="facebook-square"\]](http://www.facebook.com/amerihope) [\[fa icon="twitter-square"\]](http://www.twitter.com/amerihope) ## Recent Posts ## [Freddie Mac Turns to YouTube to Dispel Common Foreclosure Myths](https://blog.amerihopealliance.com/blog/freddie-mac-turns-to-youtube-to-dispel-common-foreclosure-myths) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-318296159.jpg)](https://blog.amerihopealliance.com/blog/freddie-mac-turns-to-youtube-to-dispel-common-foreclosure-myths) Freddie Mac is helping consumers separate foreclosure fact from fiction in a new video series recently launched on its YouTube Channel (http://www.youtube.com/FreddieMac). Each video dispels one of **five common myths** that could prevent people from keeping their homes if they face foreclosure. It is based on content from the Freddie Mac Get the Facts on Homeownership education and outreach materials. Here are five common myths that consumers should be aware of when it comes to dealing with foreclosures. \[fa icon="clock-o"\] Tuesday, October 1, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/freddie-mac-turns-to-youtube-to-dispel-common-foreclosure-myths) ## [Can a Mortgage Lender Withdraw a Loan Modification Package?](https://blog.amerihopealliance.com/blog/can-a-mortgage-lender-withdraw-a-loan-modification-package) [![](https://blog.amerihopealliance.com/hs-fs/file-324835646-jpg/images/foreclosure-loan-modification-home-istock.jpg)](https://blog.amerihopealliance.com/blog/can-a-mortgage-lender-withdraw-a-loan-modification-package) For any homeowner, the prospect of losing their home because they can’t make the mortgage payments can be a frightening experience. Since the [Great Recession began](https://blog.amerihopealliance.com/blog/bid/296244/Mortgage-Fraud-The-Inside-Story), many borrowers have experienced problems making ends meet because of losing a job, divorce, medical issues and other situations. In addition, during the real estate boom, it was common for borrowers to get duped into take on risky [adjustable-rate mortgages (ARMs)](http://en.wikipedia.org/wiki/Adjustable-rate_mortgage) to get into homes they could not otherwise afford. ARMs have low “teaser rates” for at least the first year. This feature helps borrowers qualify bigger mortgages.   After the introductory rate expires, the lender can adjust the interest rate on the loan at predetermined intervals, which can send monthly payments skyrocketing. \[fa icon="clock-o"\] Monday, September 30, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/can-a-mortgage-lender-withdraw-a-loan-modification-package) ## [Loan Modification Success: Eye-Popping BOA Principal Reduction](https://blog.amerihopealliance.com/blog/loan-modification-success-eye-popping-boa-reduction) [![](https://blog.amerihopealliance.com/hs-fs/file-299688976-jpg/images/eye-popping-principal-reduction-226000-small-2.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-success-eye-popping-boa-reduction) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.* Many of the worst stories that have come from the mortgage crisis involve the [casual ineptitude](https://blog.amerihopealliance.com/blog/bid/286229/You-re-Not-Alone-Bank-Of-America-Loan-Modification-Problems) of large banks [when it comes to loan modification](https://blog.amerihopealliance.com/blog/bid/306677/5-Bank-of-America-Loan-Modification-Problems-This-Year). Thousands and thousands of foreclosures have resulted from this indiligence, and hundreds of thousands of people have had their lives negatively impacted as a result. ## One Such Story A New York woman approached us about her similar mortgage issues; she had been attempting to get a loan modification from [Bank of America](http://www.ihatebankofamerica.com/), but couldn't get any headway after trying for nearly two years. This homeowner was a single mother who had emerged from bankruptcy just a few years earlier; the last thing she needed was the dark cloud of foreclosure hanging over her head. However, her home could've been foreclosed on at any time; she was **over 5 years and $162,000 behind** on paying her **$2,680 mortgage payment**. \[fa icon="clock-o"\] Saturday, September 28, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [bank of america loan modification](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [bank of america loan modification problems](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems), [bank of america foreclosure](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/loan-modification-success-eye-popping-boa-reduction) ## [Are Loan Modifications Really Saving the Economy?](https://blog.amerihopealliance.com/blog/are-loan-modifications-saving-the-economy) [![](https://blog.amerihopealliance.com/hs-fs/file-324967345-jpg/images/confusing-foreclosure-sign.jpg)](https://blog.amerihopealliance.com/blog/are-loan-modifications-saving-the-economy) According to [reports](http://www.housingwire.com/articles/26951-loan-modifications-boost-the-housing-recovery) from the United States [Department of the Treasury](http://www.treasury.gov/), about 63,000 homeowners received loan modifications during July 2013 (which is the last month statistics are available). This brings the total for 2013 to 519,000 loan modifications, a number which dwarfs the number of foreclosure sales (378,000) that were reported up to the same point. All in all, this totals 6.6 million permanent loan modifications since 2008. According to analysis from financial firm Keefe, Bruyette, and Woods, loan modifications are playing a large part in strengthening today's housing market.  It's clear that loan modifications have done plenty to improve housing statistics, but these numbers conceal serious issues that are often glossed over by pundits and the national media. \[fa icon="clock-o"\] Friday, September 27, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/are-loan-modifications-saving-the-economy) ## [How to Stop a Wells Fargo Foreclosure Sale Date](https://blog.amerihopealliance.com/blog/how-to-stop-a-wells-fargo-foreclosure-sale-date) [![](https://blog.amerihopealliance.com/hs-fs/file-321340066-jpg/images/stop-foreclosure-crop.jpg)](https://blog.amerihopealliance.com/blog/how-to-stop-a-wells-fargo-foreclosure-sale-date) *On the morning of this client's Summary Judgment Hearing early in 2013, our client and his son followed the wrong signs in the courthouse and sat outside the court room for 2 hours before someone told them that the cases had been moved to a different location.  By this time they figured out what was wrong, it was two hours later and the Judge had already granted Wells Fargo a Summary Judgment and allowed them to schedule a foreclosure sale date. Here is what happened after they found Amerihope Alliance Legal Services.* On August 14, 2013, our firm was retained by a family who was deep in the foreclosure process. As a matter of fact, Wells Fargo had already [scheduled a foreclosure sale date](https://blog.amerihopealliance.com/blog/bid/289333/What-Are-Your-Options-After-A-Foreclosure-Sale-Date-Has-Been-Set) of September 24, 2013 on their home. Despite the fact that there were only a few weeks before the house was to be sold via foreclosure auction, our foreclosure defense attorney reviewed and accepted their case, and were ready to defend our client against Wells Fargo's foreclosure action in court. \[fa icon="clock-o"\] Wednesday, September 25, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/how-to-stop-a-wells-fargo-foreclosure-sale-date) ## [5 Credit Myths to Ditch Now](https://blog.amerihopealliance.com/blog/5-credit-myths-to-ditch-now) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-309756039.jpg)](https://blog.amerihopealliance.com/blog/5-credit-myths-to-ditch-now) *By Barbara Pronin* Everyone knows that having a good credit score marks you as a credit-worthy individual with increased buying power. But, said consumer finance consultant Jill Krasny, many people have critical misconceptions about what makes for a good credit score. Krasny offers **five common credit misconceptions**: \[fa icon="clock-o"\] Tuesday, September 24, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [understanding credit](https://blog.amerihopealliance.com/blog/topic/understanding-credit) [Read More »](https://blog.amerihopealliance.com/blog/5-credit-myths-to-ditch-now) ## [Do-it-Yourself Loan Modification Not so Easy](https://blog.amerihopealliance.com/blog/do-it-yourself-loan-modification-not-so-easy) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-316201350.jpg)](https://blog.amerihopealliance.com/blog/do-it-yourself-loan-modification-not-so-easy) Many homeowners are investigating mortgage loan modification programs as an alternative to foreclosure and a way to stay in their homes. The [Home Affordable Modification Program (HAMP)](https://blog.amerihopealliance.com/blog/facts-about-hamp-and-how-it-has-changed-to-help-you) promoted by the U.S. Government aims to streamline the process but many homeowners are still unsure about where to start the loan modification process and how to give their modification application the best chance of approval. As a homeowner, preparation and knowledge will allow you to help your lender review your case thereby increasing your chances of success. \[fa icon="clock-o"\] Monday, September 23, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/do-it-yourself-loan-modification-not-so-easy) ## [Loan Modification Success: Chase Principal Reduction and Payment Reduction](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Chase-Principal-Payment-Reduction) [![](https://blog.amerihopealliance.com/hs-fs/file-301466815-jpg/images/We_Fought_Against_Chase-30000.jpg)](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Chase-Principal-Payment-Reduction) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.* [The recession](http://en.wikipedia.org/wiki/Great_Recession) hit all of America hard, but many self-employed people felt the worst part of the recession. As soon as business dried up, not only was it hard to recover lost business, but it was also hard to re-enter the traditional workforce, since many self-employed people had not worked a corporate job for years. That is exactly what happened to one homeowner who needed our help. He had been self-employed for quite some time, and was able to make it through the worst of the recession. However, business slowed and the homeowner ended up needing to seek out work to help support his growing family. He had just managed to secure a job when he came to us for help in late December 2012, but was already over 9 months behind on his [Chase mortgage](https://blog.amerihopealliance.com/blog/we-fought-the-law-and-we-won-attorneys-stopped-chase-foreclosure), and had been [served foreclosure](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) just a few weeks before. \[fa icon="clock-o"\] Saturday, September 21, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Chase-Principal-Payment-Reduction) ## [Understand the Loan Modification Process in 15 Minutes](https://blog.amerihopealliance.com/blog/understand-the-loan-modification-process-in-15-minutes) ![Understand Loan Modifications in 15 Minutes](https://blog.amerihopealliance.com/hs-fs/file-313541707-jpg/images/Loan-Modification-15-minutes.jpg?width=374&name=Loan-Modification-15-minutes.jpg "Understand Loan Modifications in 15 Minutes") In the wake of the recent economic downturn, more homeowners than ever are still facing foreclosure. If you and your family are struggling to keep up with mortgage payments and fear being served a notice of foreclosure, or if you have already been served a notice of default, and are searching for a way to keep your home, loan modification might be your best opportunity for a new beginning. If you have contacted your lender and they have offered a loan modification package, depending on your situation you may either be denied, offered a [trial loan modification package](http://www.makinghomeaffordable.gov/learn-more/trial-period/Pages/default.aspx), or be approved for a permanent loan modification package. \[fa icon="clock-o"\] Friday, September 20, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) [Read More »](https://blog.amerihopealliance.com/blog/understand-the-loan-modification-process-in-15-minutes) ## [Our Lawyers Felled Green Tree Mortgage: a Foreclosure Defense Story](https://blog.amerihopealliance.com/blog/we-saved-this-homeowner-from-green-tree-mortgage) [![](https://blog.amerihopealliance.com/hs-fs/file-309820531-jpg/images/small__1126096576.jpg)](https://blog.amerihopealliance.com/blog/we-saved-this-homeowner-from-green-tree-mortgage) # We Saved This Homeowner From Green Tree Mortgage Servicing The arms of the banks have no idea what the legs are doing, and it's turning into one disastrous dance for American homeowners. Thousands of homeowners have lost their homes, and many others are still struggling with their mortgages today because of this disconnect; a disconnect that causes many homeowners to lose their homes. Homeowners are being held back the most by the extreme lack of communication between various departments of mortgage lenders. For example, many people who had successfully received loan modifications from their lenders were illegally confronted with foreclosure after cementing the terms of their loan modifications. One of our clients faced three foreclosure sale dates [due to Green Tree Mortgage Servicing's disorganization](https://www.facebook.com/greentreeservicing), but our foreclosure defense lawyers intervened to force Green Tree mortgage to play by the rules. We enabled him to keep his home. \[fa icon="clock-o"\] Wednesday, September 18, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [Greentree loan modification](https://blog.amerihopealliance.com/blog/topic/greentree-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/we-saved-this-homeowner-from-green-tree-mortgage) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/12) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/14) ### 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/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/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/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 - 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