---
title: KAPOW! A Great Bank of America Loan Modification
description: The story of a Bank of America loan modification that makes us truly happy for our client.
image: https://blog.amerihopealliance.com/hs-fs/file-377077180-jpg/images/bank-of-america-loan-mod.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/)

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## KAPOW! A Great Bank of America Loan Modification

\[fa icon="clock-o"\] Friday, November 8, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [bank of america loan modification](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification), [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)

Remember 2005? 2006? Remember the commercials on TV, and radio and everywhere telling you about the “cash rewards” and “cash out” refinances? So many Americans took advantage of these programs. Business was great, real estate was better.

Our client Dale, like thousands of other Americans, took advantage of one of these programs, and received cash out of his mortgage (and a 9.75% interest rate!) when he refinanced with Countrywide. In 2008, the Bank of America/Countrywide merger meant that Dale now had to deal with Bank of America.

![bank-of-america-loan-modification](https://blog.amerihopealliance.com/hs-fs/file-373119698-jpg/images/bank-of-america-loan-modification.jpg)

When the bubble burst, Dale lost 75% of his existing clientele, “People locally did not have money to repair their cars, or just weren't spending,” he recalls. It was a severe hit to Dale's income and he wasn't able to pay his mortgage. Bank of America began sending notices of fees upon fees, and Dale felt hopeless. He received a notice when a loan modification program was announced and after an automated telephone call with BoA's robots, he was signed up for a program without ever granting his approval! Dale was un-assisted and frustrated when he decided he needed to seek help.

Dale searched the internet knowing he needed a “hired gun with expertise.” He knew to look for an attorney, which is not something that all homeowners are able to recognize (See [Do You Need to Hire a Lawyer for a Loan Modification?](http://mandelman.ml-implode.com/2011/01/do-you-need-a-lawyer-to-get-a-loan-modified/)) and found our firm, Amerihope Alliance Legal Services on a legal directory, [FindLaw.com](http://www.findlaw.com).

Dale's Bank of America loan modification took about 6 months in all, beginning in Spring 2012.  Within 3 months, our amazing paralegal Ruth Gross had her hands on a Trial Loan Modification for Dale and he began making the trial plan payments. By Halloween, we had obtained a [permanent loan modification](https://www.amerihopealliance.com/case_results).

![bank-of-america-loan-mod](https://blog.amerihopealliance.com/hs-fs/file-377077180-jpg/images/bank-of-america-loan-mod.jpg)

Dale recently reached out to us because Bank of America is sending solicitation about a [new loan modification](https://blog.amerihopealliance.com/blog/are-loan-modifications-saving-the-economy) and he needed some advice on how to proceed. We are so pleased to follow up with our past clients and find that they are still making their mortgage payments on time and are happy with their loan modifications.

| ## Bank of America Loan Modification Results |  |  |
| --- | --- | --- |
| Fall 2012 | Before | After |
| **Monthly Payment** | $661.51 | $523.49 |
| **Interest Rate** | 9.75% | 4.625% |
| **Foreclosure** | 8 months past due |   |
| **Benefits to Homeowner** | ✓ 20% reduction in payment! ✓ Able to keep and afford home! |  |

 Remember that results cannot be guaranteed and that prospective clients may not obtain the same or similar results.

[![Loan Modification Secrets Download a Free Hardship Letter Guide](https://no-cache.hubspot.com/cta/default/161513/01dd2ad5-6f99-42af-b3bb-e8fd41278ff4.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/01dd2ad5-6f99-42af-b3bb-e8fd41278ff4)

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#### Written by [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)

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### 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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