--- title: "Loan Modification Success: 20 Months Past Due with Ocwen? No Problem" description: We helped a homeowner stay on track for retirement by stopping foreclosure and getting him an Ocwen loan modification. image: https://blog.amerihopealliance.com/hs-fs/file-387889939-jpg/images/loan-mod-dog-no-problem.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 ## Loan Modification Success: 20 Months Past Due with Ocwen? No Problem \[fa icon="clock-o"\] Sunday, December 8, 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) *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.* ![loan-mod-no-problem-dog](https://blog.amerihopealliance.com/hs-fs/file-387889939-jpg/images/loan-mod-dog-no-problem.jpg?width=224&name=loan-mod-dog-no-problem.jpg "loan-mod-no-problem-dog")Would you believe that there are actually critics who blame homeowners for the foreclosure crisis? These critics are so detached from real life that they forget to project a human face onto the numbers. Nobody *wants* to lose their home to foreclosure; the foreclosure crisis was comprised of [a lot of people](http://www.housingwire.com/articles/27728-corelogic-51000-foreclosures-completed-in-sept) who faced extenuating circumstances (including unfair mortgage lending) that caused them to lose their homes. ## Several Hardships Led to Foreclosure The New York homeowner in our story certainly faced extenuating circumstances of his own. His family had faced death within the family, and was also enduring the financial effects of serious extended sickness. He was no longer able to pay his $786 payment to GMAC (his loan was eventually sold to Ocwen Financial) on his home that he and his wife shared, and was **over 8 months behind** and far into the foreclosure process by the time he and his wife retained us. As if to add insult to injury, the homeowner's interest rate was an **astronomical 9.0%** (his home loan was one of the infamous adjustable-rate loans that played a large part in starting the mortgage crisis), and the homeowner had been planning to retire in early 2013 for years; this now seemed like a bleak prospect. The homeowner retained us in **late 2012**, and our home retention department began working with he and his wife to compile a loan modification package. Simultaneously, our legal team began to prepare a [legal defense](https://www.amerihopealliance.com/foreclosure_defense) for the homeowner. ![ocwen-logo](https://blog.amerihopealliance.com/hs-fs/file-223648912-png/images/ocwen-logo.png)It took the homeowner until May 2013 for him to gather all the documents needed for us to complete his loan modification package, and once we submitted his package, Ocwen took several weeks to review his file.. In mid-June 2013, the homeowner was finally approved for a trial loan modification. Under the terms of this trial modification, he would have to pay 3 trial payments of $635.06. If he satisfied the requirements of the trial mortgage modification, then he would be approved for a final loan modification.  ## Retiring in Style After the homeowner finished paying his trial payments, it took an entire month before his file finished review for a permanent loan modification. Finally, in late October 2013, he received a permanent loan modification from [Ocwen](http://www.thestreet.com/story/12090948/1/mortgage-servicer-ocwen-eyes-other-consumer-debt.html) after **falling 20 payments and over $17,000 behind**.  His new monthly payment would be **$635.06**, and his interest rate would be **permanently fixed at 4.5%**. His principal balance would be **slashed by $19,000** if he upheld the terms of the mortgage payment. Our attorneys were now free to dismiss the homeowner's foreclosure case so he could enjoy his retirement in peace. | ## Ocwen Permanent Loan Modification Overview | | | | --- | --- | --- | | October 2013 | Before | After | | **Monthly Payment** | $786.00 | $635.00 | | **Interest Rate** | 8.35% | 4.50% | | **Foreclosure** | 20 Payments Past Due | Foreclosure to be dismissed | | **Benefits to Homeowner** | ✓ $19,000 Principal forgiveness, $3,755.49 in fees waived. ✓ Monthly payment reduced by 20% | | This is an example of why it's so important to hire an [experienced foreclosure defense law firm](https://www.amerihopealliance.com/about_us) if you are in danger of losing your home. No one would request an inexperienced technician to work on their car or an inexperienced doctor to work on their body- so don't do the same with your home. [![Do you need to hire a foreclosure attorney? Take the Quiz!](https://no-cache.hubspot.com/cta/default/161513/021d819c-faa7-44e1-8484-feabef58f0da.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/021d819c-faa7-44e1-8484-feabef58f0da) Read about other loan modification [success stories](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), or browse hundreds of other loan modification [case results](https://www.amerihopealliance.com/case_results). - [Tweet](https://twitter.com/share) ![Jake Sterling](https://blog.amerihopealliance.com/hs-fs/file-397888097-jpg/images/A_logo.jpg?width=100&height=100&name=A_logo.jpg) #### Written by [Jake Sterling](https://blog.amerihopealliance.com/blog/author/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. [\[fa icon="facebook"\]](http://www.facebook.com/amerihope) [\[fa icon="twitter"\]](http://www.twitter.com/amerihope) ### 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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