---
title: Foreclosure and Loan Modification Blog | Maxwell Swinney (2)
description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (2)
---

[![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 
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    - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds)
    - [Loan Modification](https://amerihopealliance.com/loan-modification)
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- [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

## Maxwell Swinney

## Recent Posts

## [Stop Getting So Much Email So You Can Communicate With Your Lawyer](https://blog.amerihopealliance.com/blog/stop-getting-so-much-email-so-you-can-communicate-with-your-lawyer)

[![](https://blog.amerihopealliance.com/hubfs/images/Laptop.jpg)](https://blog.amerihopealliance.com/blog/stop-getting-so-much-email-so-you-can-communicate-with-your-lawyer)

If you're like most people, you probably get **more junk email than you know what to do with**.

That's a big problem when it becomes hard to sort through all the messages you don't care about to find the **really important emails**, like those from your lawyer.

**When you hire a lawyer, it's because you need help with an issue that you can't handle on your own.** When your attorney sends you an email, it's not just to say hi. It's because they either need to tell you about a development in your case or **ask you for something** they can't get without you.

\[fa icon="clock-o"\] Wednesday, January 16, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [email](https://blog.amerihopealliance.com/blog/topic/email) 

[Read More »](https://blog.amerihopealliance.com/blog/stop-getting-so-much-email-so-you-can-communicate-with-your-lawyer)

## [Government Shutdown Mortgage Forbearance Available](https://blog.amerihopealliance.com/blog/government-shutdown-mortgage-forbearance-available)

[![](https://blog.amerihopealliance.com/hubfs/images/Capitol.jpg)](https://blog.amerihopealliance.com/blog/government-shutdown-mortgage-forbearance-available)

The government shutdown, which began on December 22, 2018 and is now the longest in history, has left **800,000 federal workers without pay**.

While there's no end to the shutdown in sight, there is **help available** for federal workers who are **struggling to pay their mortgages** because of it.

Mortgage servicers are making assistance available that they normally offer during **natural disasters such as hurricanes** and wildfires.

\[fa icon="clock-o"\] Tuesday, January 15, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [forbearance](https://blog.amerihopealliance.com/blog/topic/forbearance), [government shutdown](https://blog.amerihopealliance.com/blog/topic/government-shutdown) 

[Read More »](https://blog.amerihopealliance.com/blog/government-shutdown-mortgage-forbearance-available)

## [How Do You Get A Loan Modification When You're Self-Employed?](https://blog.amerihopealliance.com/blog/how-do-you-get-a-loan-modification-when-youre-self-employed)

[![](https://blog.amerihopealliance.com/hubfs/images/CouchLaptop.jpg)](https://blog.amerihopealliance.com/blog/how-do-you-get-a-loan-modification-when-youre-self-employed)

**Self-employed people** earn a higher income on average than people who receive a regular paycheck, but they can have a harder time getting approved for a mortgage. They can also find it **more difficult to get approved for a loan modification** if they fall behind on their mortgage.

Some lawyers might tell you that you can't get a loan modification if you're self-employed. That's just not true. **You can.** However, it will most likely add more work to a process that already takes a lot of work.

The reason getting and modifying a mortgage is more difficult for self-employed people is that their **income varies** more than salaried and hourly workers and **they don't have the pay stubs or W-2s** that make it easy for banks to verify earnings.

\[fa icon="clock-o"\] Thursday, January 10, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/how-do-you-get-a-loan-modification-when-youre-self-employed)

## [What's Up With Loan Modifications In 2019?](https://blog.amerihopealliance.com/blog/loan-modifications-in-2019)

[![](https://blog.amerihopealliance.com/hubfs/images/2019.jpg)](https://blog.amerihopealliance.com/blog/loan-modifications-in-2019)

Every January is an opportunity for **people to complain about how horrible the previous year was**. 2018 certainly had it's share of negative events, including **Hurricane Michael** hitting Florida and the **worst wildfires in California's history**.

But let's not forget that there were also good stories, like that **dog who adopted a monkey**. How awesome is that?

Besides looking back at the good and bad of the previous year, new year's is also a time to **look ahead** to the issues you care about in the coming year. 

If you're behind on your mortgage, one issue you should definitely care about is **loan modifications**. What's going on with them in 2019?

\[fa icon="clock-o"\] Tuesday, January 8, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/loan-modifications-in-2019)

## [Successful Loan Modification Roundup Week of 1/4/19](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/4/19)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Chase8.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/4/19)

*Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.*

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Chase, Ocwen, Wells Fargo, and Mr. Cooper:

## Chase

Our Chase client was 21 months and $42,505+ fees past due on his mortgage, but we helped him get an FHA partial claim loan modification (his second) with a fresh start!

\[fa icon="clock-o"\] Friday, January 4, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification), [chase loan modification](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/4/19)

## [Successful Loan Modification Roundup Week of 12/28/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/28/18)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Rushmore8.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/28/18)

*Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.*

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Rushmore, Chase, Wells Fargo and Caliber:

\[fa icon="clock-o"\] Friday, December 28, 2018  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [Rushmore loan modification](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/28/18)

## [Successful Loan Modification Roundup Week of 12/21/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/14/18-1)

[![](https://blog.amerihopealliance.com/hubfs/images/SLM_Rushmore7.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/14/18-1)

*Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.*

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Rushmore, Mr. Cooper, SLS, Wells Fargo, Carrington, Loan Care, and PennyMac:

## Rushmore

Our Rushmore client was a whopping $56,122.93 past due on her mortgage and in active foreclosure, but we helped her get a final loan modification with partial claim that allows her to keep her home and avoid foreclosure!

\[fa icon="clock-o"\] Friday, December 21, 2018  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification), [sls loan modification](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification), [loan care loan modification](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification), [Rushmore loan modification](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification), [pennymac loan modification](https://blog.amerihopealliance.com/blog/topic/pennymac-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/14/18-1)

## [Mr. Cooper To Pay Homeowners For Hurricane Irma Misconduct](https://blog.amerihopealliance.com/blog/-mr.-cooper-to-pay-homeowners-for-hurricane-irma-misconduct)

[![](https://blog.amerihopealliance.com/hubfs/Liar5.png)](https://blog.amerihopealliance.com/blog/-mr.-cooper-to-pay-homeowners-for-hurricane-irma-misconduct)

Florida Attorney General Pam Bondi has announced that **a settlement was reached** with Nationstar Mortgage, doing business as Mr. Cooper, that *“resolves allegations **regarding** **Mr. Cooper’s servicing misconduct in the aftermath of Hurricane Irma**.”*

(If you're in foreclosure, or being threatened with foreclosure after a hurricane, contact our firm for a free [Hurricane Hardship Review](https://legal.amerihopealliance.com/hurricane-irma-foreclosure-help).)

## Mr. Cooper's Misconduct

Mr. Cooper/Nationstar is a mortgage lender and servicer based in Texas which services mortgages nationwide. Their misconduct related to Hurricane Irma is similar to stories we've heard from homeowners with loans serviced by many servicers after the hurricane. It goes like this:

> A mortgage servicer tells a homeowner that they can **postpone 3-6 months of mortgage payments to recover from the financial impact of Hurricane Irma**.

\[fa icon="clock-o"\] Wednesday, December 19, 2018  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [forbearance](https://blog.amerihopealliance.com/blog/topic/forbearance), [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [mr. cooper](https://blog.amerihopealliance.com/blog/topic/mr-cooper) 

[Read More »](https://blog.amerihopealliance.com/blog/-mr.-cooper-to-pay-homeowners-for-hurricane-irma-misconduct)

## [Successful Loan Modification Roundup Week of 12/14/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/14/18)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_MrCooper6.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/14/18)

*Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.*

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Mr. Cooper, CitiMortgage, and Home Loan Investment Bank:

## Mr. Cooper

Almost 5 years (57 months) and $37,748.23 past due on their mortgage, we helped our Mr. Cooper clients get a final FHA loan modification with $23.62 monthly savings and a fresh start!

\[fa icon="clock-o"\] Friday, December 14, 2018  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification), [citimortgage loan modification](https://blog.amerihopealliance.com/blog/topic/citimortgage-loan-modification), [home loan investment bank loan modification](https://blog.amerihopealliance.com/blog/topic/home-loan-investment-bank-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/14/18)

## [Holiday Help Avoiding Foreclosure!](https://blog.amerihopealliance.com/blog/holiday-help-avoiding-foreclosure)

[![](https://blog.amerihopealliance.com/hubfs/images/Santa3.png)](https://blog.amerihopealliance.com/blog/holiday-help-avoiding-foreclosure)

**This holiday season, you may get the gift of delayed foreclosure** because courts and banks will be closed some days around Christmas and New Year's.

Foreclosure sale dates often aren't scheduled by courts for the end December to account for the days they will be closed.

The closures will also temporarily disrupt progress on moving a foreclosure case toward a sale.

That's means that you may have **slightly more time** in your home than if your foreclosure case was moving forward at another time of the year.

## Foreclosure Eviction Moratoriums

It's possible to have some delays in your foreclosure case just because of the courts being closed. **But there are also some actions being taken specifically to help families stay in their homes during the holidays. **

\[fa icon="clock-o"\] Thursday, December 13, 2018  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [foreclosure process in illinois](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois) 

[Read More »](https://blog.amerihopealliance.com/blog/holiday-help-avoiding-foreclosure)

[\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/1) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/3)

### 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.

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