--- title: Foreclosure and Loan Modification Blog | Jake Sterling (7) 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. (7) --- [![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 ## [Loan Modification Success: Ocwen Mortgage Payment and Interest Reduction](https://blog.amerihopealliance.com/blog/loan-modification-success-ocwen-payment-and) [![](https://blog.amerihopealliance.com/hs-fs/file-393843013-jpg/images/pinkpanda.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-success-ocwen-payment-and) *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.* When this [Illinois homeowner](http://illinoisattorneygeneral.gov/consumers/homeowners_help.html) retained us in June 2013, he was over **2 years behind** on his **$1,100 monthly mortgage payment** to Ocwen. The interest rate on that loan was an astronomical **11.60%**. He had just been served foreclosure in April, and did the right thing by responding within the 30 day response period. This way, his house would not be fast-tracked toward a [foreclosure sale date](https://blog.amerihopealliance.com/blog/-temporary-slug-098e8cec-2390-4d39-94e1-3a08e99ebc36). \[fa icon="clock-o"\] Sunday, January 19, 2014 \[fa icon="user"\] [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) [Read More »](https://blog.amerihopealliance.com/blog/loan-modification-success-ocwen-payment-and) ## [Some Serious Advice on Paying Down Mortgages Faster](https://blog.amerihopealliance.com/blog/some-serious-advice-on-paying-down-mortgages-faster) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-439685144.jpg)](https://blog.amerihopealliance.com/blog/some-serious-advice-on-paying-down-mortgages-faster) *By John Voket* There is no better gift to give yourself this holiday season and in the New Year, than your own home - preferably owned outright. With the hope of getting consumers free and clear of their mortgage debt sooner, we tapped Durham, N.C. REALTOR® Bernice McNutt who blogged recently with these tips on how to pay down that homeowner's debt: **1. Accelerate bi-weekly payments -** Instead of paying your mortgage on a monthly basis 12 times per year, McNutt says **pay your mortgage** **every two weeks** for a total of 26 payments each year. A $300,000 mortgage with a monthly payment and three percent [debt](https://blog.amerihopealliance.com/blog/5-ways-to-be-ready-for-whatever-the-economy-brings) service over 25 years will cost $125,920 in interest. Increase to accelerated bi-weekly payments and shave nearly three years off of your schedule, and save $16,059 in interest. \[fa icon="clock-o"\] Tuesday, January 14, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [understanding credit](https://blog.amerihopealliance.com/blog/topic/understanding-credit), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) [Read More »](https://blog.amerihopealliance.com/blog/some-serious-advice-on-paying-down-mortgages-faster) ## [Loan Modification Success: SPS Payment and Interest Rate Reduction](https://blog.amerihopealliance.com/blog/loan-modification-success-sps-interest-and-interest-rate-reduction) [![](https://blog.amerihopealliance.com/hs-fs/file-393814818-jpg/images/face-payment-interest-reductin.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-success-sps-interest-and-interest-rate-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.* Imagine if you had hired a law firm to help you save you and your family's home, but that law firm ended up splitting up and forgetting about your case. This homeowner faced that exact situation, and needed reliable help to help him ensure that his home stayed in hiMortgage s possession. \[fa icon="clock-o"\] Sunday, January 12, 2014 \[fa icon="user"\] [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), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/loan-modification-success-sps-interest-and-interest-rate-reduction) ## [Home Foreclosure: It Happens for More than Just Missed Loan Payments](https://blog.amerihopealliance.com/blog/home-foreclosure-it-happens-for-more-than-just-missed-loan-payments) [![](https://blog.amerihopealliance.com/hs-fs/file-443942791-jpg/images/what-can-cause-foreclosure.jpg)](https://blog.amerihopealliance.com/blog/home-foreclosure-it-happens-for-more-than-just-missed-loan-payments) Good people face foreclosure every day, all over the country. The reality of the situation is that most people who face home foreclosure *want* to pay their bills, but have run into financial instability due to circumstances largely outside of their own control. Since the year 2000, foreclosure statistics have been on [a steady upward trajectory](http://www.statisticbrain.com/home-foreclosure-statistics/) year over year, starting at 470,000 homes in 2000, and growing each year to peak at 3.9 million homes in 2011, the most recent year for which full statistics are available. Foreclosures are regularly attributed to non-payment, but there are other reasons they occur, as well. Can foreclosure happen due to late fees? \[fa icon="clock-o"\] Wednesday, January 8, 2014 \[fa icon="user"\] [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/home-foreclosure-it-happens-for-more-than-just-missed-loan-payments) ## [New Financial Rules for a New Economy](https://blog.amerihopealliance.com/blog/new-financial-rules-for-a-new-economy) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-410267080.jpg)](https://blog.amerihopealliance.com/blog/new-financial-rules-for-a-new-economy) If there is one thing that the financial crisis has taught us, it's that we can no longer afford to think about our personal finances as we did in the bubbly pre-recession days. In today's economy, there are *new financial realities that every consumer must understand*. \[fa icon="clock-o"\] Tuesday, January 7, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [understanding credit](https://blog.amerihopealliance.com/blog/topic/understanding-credit), [financial worksheet for loan modification](https://blog.amerihopealliance.com/blog/topic/financial-worksheet-for-loan-modification), [loan modification financial worksheet](https://blog.amerihopealliance.com/blog/topic/loan-modification-financial-worksheet) [Read More »](https://blog.amerihopealliance.com/blog/new-financial-rules-for-a-new-economy) ## [What Is an Ocwen SAM Loan Modification](https://blog.amerihopealliance.com/blog/what-is-an-ocwen-sam-loan-modification) [![](https://blog.amerihopealliance.com/hs-fs/file-366929735-jpg/images/what-is-SAM-loan-mod.jpg)](https://blog.amerihopealliance.com/blog/what-is-an-ocwen-sam-loan-modification) According to [loan modification expert](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications) David Ramos, prior to the proliferation of subprime loans and the mass securitization of mortgages, “the loan modification system was a lot more simple.”  The process required a homeowner to contact the mortgage servicer to work out an agreement to change the terms of the loan.  During the years leading up to the housing market collapse, banks and other entities started packaging these loans and selling them to investors as mortgage-backed securities. Loans that could previously be traced back to the mortgage lenders were now owned by Wall Street investors, which greatly complicated the traditional loan modification process. When these mortgages soured and the default rate skyrocketed, the event contributed to the financial crisis that occurred in 2008. Subsequently, taxpayers’ bailed out of big banks to the tune of $750 billion. In March 2009, the Obama Administration introduced the Home Affordable Modification Program (HAMP). After the first year results of HAMP filtered in, it became obvious that the program was not working as intended. \[fa icon="clock-o"\] Monday, January 6, 2014 \[fa icon="user"\] [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), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/what-is-an-ocwen-sam-loan-modification) ## [Loan Modification Success: Wells Fargo Can't Touch This Home](https://blog.amerihopealliance.com/blog/loan-modification-success-wells-fargo-cant-touch-this-home) [![](https://blog.amerihopealliance.com/hs-fs/file-396339532-jpg/images/mc-hammer-wells-fargo-cropped.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-success-wells-fargo-cant-touch-this-home) *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 people who were on the outside looking in at the foreclosure crisis didn't understand that many peoples situations were seemingly made worse by attempting to rectify their situation with their banks. This is probably why Washington never came up with an adequate solution to the foreclosure crisis. ## Stop. Hammer-time! On the Sale Date Consider the case of this homeowner- he had been fighting for a loan modification on his own for years prior to retaining us. Two years prior, he had lost his job and attempted to get a loan modification on his family's home, because he couldn't afford his mortgage payment, which was nearly $3500 each month. He was granted a pre-modification trial payment plan. He made the trial payments, but his bank, [Wells Fargo](http://wellsfargosucks.com/), said he owed too much on the property for them to complete a loan modification. Afterward, [Wells Fargo suggested that he try a modification again](https://blog.amerihopealliance.com/blog/bid/294877/3-Tips-for-a-Successful-Wells-Fargo-Loan-Modification), but his house was actually sold via foreclosure auction when his modification documents did not arrive in time (the sale was rescinded afterward). By the time he retained us (April 2012) another sale date was already set on his house and he was tired of handling the situation on his own. \[fa icon="clock-o"\] Sunday, January 5, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [asc loan modification](https://blog.amerihopealliance.com/blog/topic/asc-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/loan-modification-success-wells-fargo-cant-touch-this-home) ## [The Secrets to Effective Foreclosure Defense in Illinois](https://blog.amerihopealliance.com/blog/the-secrets-to-effective-foreclosure-defense-in-illinois) [![](https://blog.amerihopealliance.com/hs-fs/file-424099655-jpg/images/banks_are_crooks.jpg)](https://blog.amerihopealliance.com/blog/the-secrets-to-effective-foreclosure-defense-in-illinois) Illinois continues to have one of the [highest foreclosure rates](http://www.realtytrac.com/content/foreclosure-market-report/october-2013-us-foreclosure-market-report-7934) in the U.S. Homeowners fall behind on mortgage payments for a variety of reasons, and borrowers are unaware that even if they are unable to make their mortgage payments and falling to foreclosure, they may have an effective defense that can save their home from foreclosure, or, at minimum, buy more time by working with an experienced foreclosure attorney. \[fa icon="clock-o"\] Monday, December 30, 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), [illinois foreclosure lawyer](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/the-secrets-to-effective-foreclosure-defense-in-illinois) ## [Loan Modification Success Stories: Drastic Ocwen Payment Reduction](https://blog.amerihopealliance.com/blog/loan-modification-success-stories-drastic-ocwen-payment-reduction) [![](https://blog.amerihopealliance.com/hs-fs/file-391131821-jpg/images/50yqb.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-success-stories-drastic-ocwen-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.* Sometimes with our crazy work schedules and other obligations, it almost seems like it would be impossible for us to deal with any additional stress. That's what banks depend on when your home is in foreclosure- taking the necessary steps to get a loan modification on your own is almost a full-time job in itself, which is why homeowners should hire a law firm that works with foreclosure defense and loan modification if they wish to save their homes. \[fa icon="clock-o"\] Sunday, December 29, 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) [Read More »](https://blog.amerihopealliance.com/blog/loan-modification-success-stories-drastic-ocwen-payment-reduction) ## [4 Things Every Loan Modification Expert Knows That You Don't](https://blog.amerihopealliance.com/blog/4-things-every-loan-modification-expert-knows-that-you-dont) [![](https://blog.amerihopealliance.com/hs-fs/file-419800258-jpg/images/karate-kick-wells.jpg)](https://blog.amerihopealliance.com/blog/4-things-every-loan-modification-expert-knows-that-you-dont) A home loan modification is a process in which the mortgage is modified outside of the original mortgage to new terms and agreements. The resulting mortgage usually results in lower monthly payments, but the new mortgage also commonly has longer terms and potentially higher interest. The overall effect of a loan modification is to make the monthly payments more affordable for the homeowner. Although home loan modifications are viable solutions, many homeowners choose to pursue their own modification, which results in an unsuccessful home loan modification and the bank foreclosing on the home. On the other hand, the [loan modification experts](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master) at Amerihope Alliance Legal Services are among the best and most effective in the industry at getting home loan modifications approved. \[fa icon="clock-o"\] Friday, December 27, 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), [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/4-things-every-loan-modification-expert-knows-that-you-dont) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/6) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/8) ### 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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