---
title: Foreclosure and Loan Modification Blog | Maxwell Swinney (33)
description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (33)
---

[![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/)

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# Foreclosure and Loan Modification Blog

- [Blog](https://blog.amerihopealliance.com/blog)
- Foreclosure and Loan Modification Blog

## Maxwell Swinney

## Recent Posts

## [How You Can Unlock and Create Income to Get a Loan Modification](https://blog.amerihopealliance.com/blog/how-you-can-unlock-and-create-income-to-get-a-loan-modification)

[![](https://blog.amerihopealliance.com/hubfs/Mechanic.jpg)](https://blog.amerihopealliance.com/blog/how-you-can-unlock-and-create-income-to-get-a-loan-modification)

Millions of Americans have experienced [hardships](https://blog.amerihopealliance.com/blog/why-you-should-write-a-loan-modification-hardship-letter) that have caused them to fall behind on their mortgage payments for a variety of reasons. Events like **loss of employment, getting divorced** and trying to maintain the entire household without the former spouses income, or a **medical problem** that prevents the homeowner from earning the living they're accustomed to, are common.

\[fa icon="clock-o"\] Friday, January 29, 2016  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [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/how-you-can-unlock-and-create-income-to-get-a-loan-modification)

## [Family Gets $5M From Wells Fargo For Robosigned Foreclosure Docs](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs)

[![](https://blog.amerihopealliance.com/hubfs/NMS.jpg)](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs)

On November 6, 2015, a Texas jury awarded Mary Ellen and David Wolf $5.38 million because Wells Fargo Bank and Carrington Mortgage services submitted forged documents to foreclose on the couple's home. You read that right, **a $5.38 million settlement for one home!** Journalist David Dayen points out that if you multiply that amount by the roughly six million homes that have been foreclosed since the financial crisis began in 2008, you get $32 trillion. Compared to the **$25 billion the banks paid as part of the National Mortgage Settlement**, and the continuing foreclosure fraud, it sure seems like the banks got off easy.

\[fa icon="clock-o"\] Wednesday, January 27, 2016  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs)

## [Your Home Is Underwater, What Can You Do About It?](https://blog.amerihopealliance.com/blog/your-home-is-underwater-what-can-you-do-about-it)

[![](https://blog.amerihopealliance.com/hubfs/Drowning2.jpg)](https://blog.amerihopealliance.com/blog/your-home-is-underwater-what-can-you-do-about-it)

 

The rate of American homeowners with negative equity fell to 13.4% in the third quarter of 2015, according to real estate company Zillow. That's down one percentage point from the second quarter of 2015 and represents the **14th consecutive quarter of falling negative equity rates**.

 

It's good news that the positive trend continues, but millions of homeowners remain in negative equity and in need of a solution.

**Negative equity is also called being underwater or upside down**, and it means that the market value of your home is less than the amount you owe on the loan. **That means the home can't be sold unless you pay the difference between the home's sale price and what you owe on the loan.** If you don't have that much cash, you're stuck in the home.

\[fa icon="clock-o"\] Tuesday, January 26, 2016  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [negative equity](https://blog.amerihopealliance.com/blog/topic/negative-equity), [underwater](https://blog.amerihopealliance.com/blog/topic/underwater) 

[Read More »](https://blog.amerihopealliance.com/blog/your-home-is-underwater-what-can-you-do-about-it)

## [The 5 Stages Of Foreclosure Grief](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief)

[![](https://blog.amerihopealliance.com/hubfs/Grief-248914-edited.jpg)](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief)

Foreclosure is so stressful that you'll find yourself experiencing powerful emotions when you are faced with it. **Your home is the most expensive, and most important purchase you will ever make**, so the possibility of losing it is tough to reckon with. How do people do it?

\[fa icon="clock-o"\] Wednesday, January 20, 2016  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief)

## [Should You Pay Off Your Mortgage Early?](https://blog.amerihopealliance.com/blog/should-you-pay-off-your-mortgage-early)

[![](https://blog.amerihopealliance.com/hubfs/HouseCoin-335000-edited.jpg)](https://blog.amerihopealliance.com/blog/should-you-pay-off-your-mortgage-early)

If you can afford to pay off your mortgage early, should you?

\[fa icon="clock-o"\] Friday, January 15, 2016  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [mortgage](https://blog.amerihopealliance.com/blog/topic/mortgage) 

[Read More »](https://blog.amerihopealliance.com/blog/should-you-pay-off-your-mortgage-early)

## [Loan Modification vs. Refinance, What's the Difference?](https://blog.amerihopealliance.com/blog/loan-modification-vs-refinance-whats-the-difference)

[![](https://blog.amerihopealliance.com/hubfs/HouseMoney1.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-vs-refinance-whats-the-difference)

So your mortgage payment has become more expensive than you would like it to be, and the house isn't worth what it used to be.

What are your options to improve things?

It depends on the specifics of your situation and what your goals are. **If you want to keep your home, you can try to get the monthly payment lowered to a more affordable level.** There are a couple ways to do that. Two of the most common are refinancing and [loan modification](https://blog.amerihopealliance.com/blog/7-loan-modification-facts). But which is right for your situation?

\[fa icon="clock-o"\] Wednesday, January 13, 2016  \[fa icon="user"\] [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), [refinance](https://blog.amerihopealliance.com/blog/topic/refinance) 

[Read More »](https://blog.amerihopealliance.com/blog/loan-modification-vs-refinance-whats-the-difference)

## [3 Reasons Your Bank Doesn't Want You to Get a Loan Modification Attorney](https://blog.amerihopealliance.com/blog/why-your-bank-doesnt-want-you-to-get-a-loan-modification-attorney)

[![](https://blog.amerihopealliance.com/hubfs/Greed-514868-edited.jpg)](https://blog.amerihopealliance.com/blog/why-your-bank-doesnt-want-you-to-get-a-loan-modification-attorney)

So you've had some problems that made it difficult or impossible for you to pay your mortgage. Now you want to get a loan modification so the monthly payment is reduced to an affordable level and the threat of foreclosure goes away. **But how do you go about applying... and will your lender support you?**

\[fa icon="clock-o"\] Friday, January 8, 2016  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [bank of america loan modification problems](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) 

[Read More »](https://blog.amerihopealliance.com/blog/why-your-bank-doesnt-want-you-to-get-a-loan-modification-attorney)

## [What Should You Do With Your House After Divorce?](https://blog.amerihopealliance.com/blog/what-should-you-do-with-your-house-after-divorce)

[![](https://blog.amerihopealliance.com/hubfs/Divorce2.jpg)](https://blog.amerihopealliance.com/blog/what-should-you-do-with-your-house-after-divorce)

Most people don't plan for it, but about **half of all marriages end in divorce**. And when a couple decides to go their separate ways, their property has to be divided up or sold. Some property is easier to divide than others. A couple's Beanie Baby collection is relatively easy to deal with in divorce. It has some positive value, can be sold, and easily carved into two pieces. Your underwater home, on the other hand, is the opposite. It can't be cut in two or immediately sold and is harder to deal with because of that.

\[fa icon="clock-o"\] Wednesday, January 6, 2016  \[fa icon="user"\] [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 help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure deficiency](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency), [deficiency judgment](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment), [foreclosure grief](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief) 

[Read More »](https://blog.amerihopealliance.com/blog/what-should-you-do-with-your-house-after-divorce)

## [When Life Hands You Foreclosure, Make Foreclosure Lemonade](https://blog.amerihopealliance.com/blog/when-life-hands-you-foreclosure-make-foreclosure-lemonade)

[![](https://blog.amerihopealliance.com/hubfs/Lemonade.jpg)](https://blog.amerihopealliance.com/blog/when-life-hands-you-foreclosure-make-foreclosure-lemonade)

When life hands you lemons, you make lemonade. Even if what's sour is something as consequential and life-altering as foreclosure. There are countless examples of people experiencing a terrible event in their life and turning it into a positive. It's hard for anyone in the middle of a difficult situation to imagine how something bad can be good in the long run. And to be fair, it may not. But you can maximize the chances of **making your sour situation sweet** by turning your attention to what you can do to fix it.

\[fa icon="clock-o"\] Monday, December 28, 2015  \[fa icon="user"\] [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 help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/when-life-hands-you-foreclosure-make-foreclosure-lemonade)

## [4 Reasons Pets Become Victims Of Foreclosure](https://blog.amerihopealliance.com/blog/4-reasons-pets-become-victims-of-foreclosure)

[![](https://blog.amerihopealliance.com/hubfs/Dog2.jpg)](https://blog.amerihopealliance.com/blog/4-reasons-pets-become-victims-of-foreclosure)

Foreclosure has a tremendous human cost. Families get kicked out of their homes, have their credit wrecked, and must find a new place to live. **It's very difficult for the people who go through it**, but there's also a nonhuman cost. Cue the Sarah McLachlin music, get your tissues ready. One of the most heartbreaking results of the foreclosure crisis is the effect it has on pets of some foreclosed homeowners.

\[fa icon="clock-o"\] Wednesday, December 23, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [foreclosure grief](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief), [foreclosure pets](https://blog.amerihopealliance.com/blog/topic/foreclosure-pets) 

[Read More »](https://blog.amerihopealliance.com/blog/4-reasons-pets-become-victims-of-foreclosure)

[\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/32) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/34)

### 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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