--- title: Foreclosure and Loan Modification Blog | Jake Sterling (20) 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. (20) --- [![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 ## [What to Expect From a Foreclosure Case Management Conference](https://blog.amerihopealliance.com/blog/bid/291220/What-to-Expect-From-a-Foreclosure-Case-Management-Conference) [![](https://blog.amerihopealliance.com/hs-fs/file-38573249-jpg/images/small__5188623575.jpg)](https://blog.amerihopealliance.com/blog/bid/291220/What-to-Expect-From-a-Foreclosure-Case-Management-Conference) # Florida Foreclosure Case Management Conferences If you’re a homeowner who’s behind on your mortgage payments and in foreclosure in Florida, you may be scheduled for a case management conference. What is a case management conference and where does it come into play during foreclosure proceedings? ## When Payments Fall Behind The prospect of facing the [foreclosure process in Florida](https://blog.amerihopealliance.com/blog/bid/274882/Foreclosure-Process-in-Florida) can be a scary one. Most homeowners try to stall the foreclosure process by first seeking out loan modifications. \[fa icon="clock-o"\] Monday, May 13, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure process](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process), [what is a case management conference](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference) [Read More »](https://blog.amerihopealliance.com/blog/bid/291220/What-to-Expect-From-a-Foreclosure-Case-Management-Conference) ## [What Should The President Do To Improve Mortgage Modifications?](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications) [![](https://blog.amerihopealliance.com/hs-fs/file-37004226-jpg/images/small__2770838680.jpg)](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications) David Ramos is one of the nation's foremost experts in home loan modification. He has helped over 5,000 homeowners stay in their homes, and now works with lawyers to save homeowners as Operations Manager at [Amerihope Alliance Legal Services](https://amerihopealliance.com/)which is a law firm that concentrates on foreclosure defense. Today, I asked him about what the government should do to help homeowners. **Interviewer:** If you were President, what is the one thing you'd do to help homeowners who need a home loan modification? **David Ramos:** “To understand the changes I would make, you need to first understand what the situation in the loan modification industry is today. Before Wall Street got involved with home loans, the [loan modification system](https://blog.amerihopealliance.com/blog/bid/288632/Where-Can-I-Get-Home-Loan-Modification-Help) was a lot more simple. If a client's mortgage was with Chase Bank, for example, then we would just call the bank directly and work with them. When subprime lending was in vogue and Wall Street became involved with home loans, loans were no longer owned by single banks, they were often owned by groups of investors who purchased them on the secondary market. \[fa icon="clock-o"\] Friday, May 10, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) [Read More »](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications) ## [What is a Conciliation Conference Instead of Mediation?](https://blog.amerihopealliance.com/blog/bid/290132/What-is-a-Conciliation-Conference-Instead-of-Mediation) ![small 7496765660](https://blog.amerihopealliance.com/hs-fs/file-34634047-jpg/images/small__7496765660.jpg "Conciliation conferences are an increasingly popular means of Alternative Dispute Resolution (ADR).")If you are among the homeowners asking what is a conciliation conference instead of mediation approach to foreclosure prevention negotiation, and wondering if conciliation is the best choice for your particular situation, you'll want to become familiar with this approach and its advantages. Most people have heard of mediation and arbitration, as they are a part of many types of legal actions. [Conciliation](https://blog.amerihopealliance.com/blog/bid/277719/What-is-a-Conciliation-Conference) is a technique that many haven't yet seen applied in foreclosure related cases, and thus are not sure what its strengths are. \[fa icon="clock-o"\] Wednesday, May 8, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/290132/What-is-a-Conciliation-Conference-Instead-of-Mediation) ## [What Are Your Options After A Foreclosure Sale Date Has Been Set?](https://blog.amerihopealliance.com/blog/bid/289333/What-Are-Your-Options-After-A-Foreclosure-Sale-Date-Has-Been-Set) [![](https://blog.amerihopealliance.com/hs-fs/file-32516913-jpg/images/small__6257284524.jpg)](https://blog.amerihopealliance.com/blog/bid/289333/What-Are-Your-Options-After-A-Foreclosure-Sale-Date-Has-Been-Set) When you default paying your mortgage, the lender can initiate the foreclosure process on your home. The foreclosure process is usually stressful and scary. What do you do when you have a foreclosure sale date in a few months? When you receive a foreclosure sale date notice from the court, you should act fast and contact a competent foreclosure attorney to determine your options to stopping the sale. Even with the foreclosure sale date in place, the lawyer can still get the date postponed and find ways to save your home. \[fa icon="clock-o"\] Monday, May 6, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [i have a foreclosure sale date](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date) [Read More »](https://blog.amerihopealliance.com/blog/bid/289333/What-Are-Your-Options-After-A-Foreclosure-Sale-Date-Has-Been-Set) ## [Where Can I Get Home Loan Modification Help?](https://blog.amerihopealliance.com/blog/bid/288632/Where-Can-I-Get-Home-Loan-Modification-Help) ![Should You Get A Mortgage Modification?](https://blog.amerihopealliance.com/hs-fs/file-31771566-jpg/images/medium_2960675738.jpg?width=230&height=153&name=medium_2960675738.jpg)You may be like millions of other home owners who have suffered setbacks that have made it difficult to afford your current mortgage. Consequently, you may have become delinquent  with your mortgage payments and face foreclosure.   The reasons for financial struggles vary, including illness, job layoff, divorce, or other circumstances. Many borrowers have underwater mortgages, owe more than the home is worth and are seeking financial relief. However, many homeowners do not understand that it may be possible to obtain [loan modification](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) help. A loan modification changes the terms of your current home loan; common results include a lower interest rate or a lengthened loan term to reduce your monthly mortgage payments. \[fa icon="clock-o"\] Wednesday, May 1, 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) [Read More »](https://blog.amerihopealliance.com/blog/bid/288632/Where-Can-I-Get-Home-Loan-Modification-Help) ## [I Won With A Loan Modification Attorney: David's Success Story](https://blog.amerihopealliance.com/blog/bid/287614/I-Won-With-A-Loan-Modification-Attorney-David-s-Success-Story) [![](https://blog.amerihopealliance.com/hs-fs/file-31301126-jpg/images/dave-massage.jpg)](https://blog.amerihopealliance.com/blog/bid/287614/I-Won-With-A-Loan-Modification-Attorney-David-s-Success-Story) # Healing Hands For Healing A Mortgage David Hochstadt is a full-time licensed massage therapist with Healing Arts Massage. He is also a satisfied customer of Amerihope Alliance Legal services; so satisfied, in fact, that he offered complimentary massages to the entire staff of Amerihope Alliance Legal Services, and the staff graciously accepted David's offer, as you can see to the left. \[fa icon="clock-o"\] Monday, April 29, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) [Read More »](https://blog.amerihopealliance.com/blog/bid/287614/I-Won-With-A-Loan-Modification-Attorney-David-s-Success-Story) ## [Will Loan Modification Stop Foreclosure?](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) [![](https://blog.amerihopealliance.com/hs-fs/file-31027075-jpg/images/stop-foreclosure.jpg)](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) A number of mortgage lenders in the US were not loyal to their word and this led to many homeowners losing their houses through foreclosure. Many homeowners in the US want to know if there is anything that can prevent foreclosure. Foreclosure rates are highest in New York, New Jersey, Florida and Pennsylvania and homeowners there may want to know if there is anything they can do anything to remedy the situation. Is your financial situation too bad to enable you pay back your mortgage? Are you about to face or facing a foreclosure? Instead of getting depressed, look for ways to stop the foreclosure. If you already know the date of the sale, contact your bank or mortgage lender to see if you qualify for a loan modification. A loan modification can significantly reduce your payment and get rid of any debts you may have. \[fa icon="clock-o"\] Wednesday, April 24, 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) [Read More »](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) ## [You're Not Alone: Bank Of America Loan Modification Problems](https://blog.amerihopealliance.com/blog/bid/286229/You-re-Not-Alone-Bank-Of-America-Loan-Modification-Problems) ![Homeowner Frustrated With Bank Of America Loan Modification Problems](https://blog.amerihopealliance.com/hs-fs/file-30658619-jpg/images/small__4774087006.jpg?width=259&height=172&name=small__4774087006.jpg)Since 2009, there has been a lot of bad press about Bank of America's loan modification problems, featuring a near-continuous stream of frustrated homeowners who are mired in delays and lost paperwork. Many homeowners jumped through hoops and waited years for loan modification decisions, only to find out that they were not eligible for modification. Some still await their outcome while trapped in the cycle of lost paperwork, misapplied or misplaced payments, and a shuffle of [Bank of America](http://www.nytimes.com/2013/02/04/business/new-questions-raised-over-a-bank-of-america-settlement.html) loan modification staff. \[fa icon="clock-o"\] Monday, April 22, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [bank of america loan modification problems](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems) [Read More »](https://blog.amerihopealliance.com/blog/bid/286229/You-re-Not-Alone-Bank-Of-America-Loan-Modification-Problems) ## [Saving The American Dream: David Ramos, Mortgage Modification Master](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master) [![](https://blog.amerihopealliance.com/hs-fs/file-30444843-jpeg/images/david-ramos-resized-600.jpeg)](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master) Beginning in 2008, a record number of homeowners had trouble paying their mortgage payments, thanks to the subprime mortgage crisis. As a result, a record number of homes went into foreclosure. David Ramos' mission is to help save people from that plight. Mr. Ramos, who has worked with home mortgages for over 15 years, started helping people modify their home loans 5 years ago, and hasn't stopped since. With over 5,000 mortgage modifications under his belt, Mr. Ramos is recognized as one of the world's foremost experts in home loan modification, and he continues to help people save their homes as Operations Manager at Amerihope Alliance Legal Services, a law firm that concentrates on foreclosure defense. Today, I sat down with David Ramos to discuss the drastic changes in home loan modifications over the last 5 years. **Interviewer:** Before the mortgage crisis, did loan modifications even exist? \[fa icon="clock-o"\] Friday, April 19, 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 attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney) [Read More »](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master) ## [Choosing a Foreclosure Defense Attorney in New Jersey](https://blog.amerihopealliance.com/blog/bid/284348/Choosing-a-Foreclosure-Defense-Attorney-in-New-Jersey) [![](https://blog.amerihopealliance.com/hs-fs/file-29711328-jpg/images/small__3649499550.jpg)](https://blog.amerihopealliance.com/blog/bid/284348/Choosing-a-Foreclosure-Defense-Attorney-in-New-Jersey) Millions of homeowners in the United States face foreclosure every year and thousands lose their homes. The highest foreclosures rates are in Florida, New Jersey and New York at 11%, 8% and 5% respectively. You can delay or stop foreclosure by hiring a professional foreclosure defense attorney to help you. The defense attorney will negotiate with the lender on your behalf and take steps to ensure that you do not lose your home. Before you hit the road looking for a foreclosure defense attorney in New Jersey, you must know what a foreclosure is and why you need an attorney. \[fa icon="clock-o"\] Monday, April 15, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey) [Read More »](https://blog.amerihopealliance.com/blog/bid/284348/Choosing-a-Foreclosure-Defense-Attorney-in-New-Jersey) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/19) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/21) ### 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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