--- title: The Kids Are Back to School and It's Time to Do Your Foreclosure Homework description: Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well. image: https://blog.amerihopealliance.com/hubfs/images/Homework.jpg --- [![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 ## The Kids Are Back to School and It's Time to Do Your Foreclosure Homework \[fa icon="clock-o"\] Saturday, August 26, 2017 \[fa icon="user"\] [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) **![Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/Homework2-758377-edited.png?width=450&name=Homework2-758377-edited.png "Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well.")It's back to school time.** Kids are getting on the bus, going to class, and doing homework after school, and hopefully you'll find some time to handle your own homework.  If you've missed mortgage payments, there's no better time than now to try to repair your finances. If you do your homework, **you could ace foreclosure avoidance and keep your home**. So sharpen your number two pencils, grab a fidget spinner if you must, and let's do some foreclosure avoidance homework. ### Homework Assignment #1: Discover Your Options In school and in the real world, success depends on good information. So your first homework assignment is to **educate yourself on the options available to you**.  When you stop paying your mortgage, you have to find a solution to or else you will eventually lose your home to foreclosure. There are a number of **loss mitigation options** that could help you avoid that, including: > #### Loan Modification > > A [loan modification](https://blog.amerihopealliance.com/blog/spot-the-differences-loan-modification-vs-short-sale) is a **permanent change to one or more of the terms of your mortgage**, such as the term length, interest rate, monthly payment, or **![Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well.](https://blog.amerihopealliance.com/hs-fs/hubfs/Homework-490345-edited.jpg?width=375&name=Homework-490345-edited.jpg "Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well.")**principal balance. If a homeowner who is behind on their mortgage gets approved for a permanent loan modification, their mortgage will be reinstated and returned to normal servicing with modified terms. For many homeowners, a loan modification is the only option they have to keep their home and avoid foreclosure. > > #### Reinstatement > > While your lender won't let you resume making mortgage payments after you've defaulted, they will let you [reinstate your mortgage](https://blog.amerihopealliance.com/blog/reinstatement-allows-delinquent-homeowners-to-stop-foreclosure) if you **pay for all the missed payments plus fees**. Depending on how long you've been in default, that could be many thousands of dollars. Most people don't have the money to reinstate or else they wouldn't have fallen behind in the first place. > > #### Short Sale > > A [short sale](https://blog.amerihopealliance.com/blog/short-sales-not-all-youve-heard-is-true...) is when a home is sold for less than what is owed on the loan. You need your lender's permission to execute a short sale. > > #### Deed In Lieu of Foreclosure > > A [deed in lieu of foreclosure](https://blog.amerihopealliance.com/blog/what-is-a-deed-in-lieu-of-foreclosure) is when you give your house back to the bank in exchange for not foreclosing on you. Sometimes the bank will even give you a few thousand dollars for your relocation expenses if you leave the home in good condition by an agreed upon date. ### Homework Assignment #2: Apply For What You Want When you know what you want to do, you need to contact your [mortgage servicer](https://blog.amerihopealliance.com/blog/dont-put-up-with-your-mortgage-servicer-giving-you-the-runaround) and see what's required to **apply for the loss mitigation option** you want to pursue. That's when the real work starts. Loan modifications, for example, are notoriously difficult to get approved. Borrowers have to submit all of their financial documents, often multiple times, as part of their [Request for Mortgage Assistance (RMA)](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma). Applications for a loan modification are frequently [denied](https://blog.amerihopealliance.com/blog/bid/278385/Why-is-my-loan-modification-denied). **Short sales and deeds in lieu of foreclosure can also be difficult to get the bank to sign off on.** It takes negotiation. Sometimes the bank is determined to go through with a foreclosure sale and doesn't care that you want something else. ### Homework Assignment #3: Get Legal Help **![Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well. If you're successful, you could end up with an A+ for foreclosure avoidance.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/Grape.jpg?width=250&name=Grape.jpg "Kids are getting on the bus, going to class, and doing homework after school. If you're behind on your mortgage, you have some homework to do as well. If you're successful, you could end up with an A+ for foreclosure avoidance.")Many homeowners are unable to get the results they want on their own.** They do their best applying for a loan modification, but are denied. An experienced professional could give you better odds of getting the loss mitigation option you want approved. If you aren't experienced, you don't know what the bank needs to see to approve you, but someone who's done many will. If you [hire an attorney](https://blog.amerihopealliance.com/blog/how-to-work-with-a-foreclosure-defense-attorney) to help you with your loan modification, they should also help you with **foreclosure defense while you're working toward a permanent solution**. Effective [foreclosure defense](https://blog.amerihopealliance.com/blog/common-foreclosure-defenses-and-how-they-may-work-for-you) includes answering the summons and complaint when you are served, which involves denying the bank's charges and raising affirmative defenses. It can also include attending case management conferences and efforts to get sale dates canceled. **Do your homework and you could end up with an A+ for foreclosure avoidance! **     [![Download the free guide to applying for a loan modification.](https://no-cache.hubspot.com/cta/default/161513/7f427dc3-cfa7-4796-9b6b-bb943e56683a.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/7f427dc3-cfa7-4796-9b6b-bb943e56683a) - [Tweet](https://twitter.com/share) ![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg) #### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) ### 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/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/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/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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