---
title: "Loan Modification Success: BOA - SPS Principal Reduction"
description: "This homeowner had her principal cut by over $150,000 and her interest rate cut by over 60% on her Bank of America mortgage. #PrincipalReduction"
image: https://blog.amerihopealliance.com/hs-fs/file-254415814-png/images/principal_reduction_156200.png
---

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## Loan Modification Success: BOA - SPS Principal Reduction

\[fa icon="clock-o"\] Saturday, August 17, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [bank of america loan modification](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification), [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.*

![$156,200 Principal Reduction](https://blog.amerihopealliance.com/hs-fs/file-254415814-png/images/principal_reduction_156200.png?width=145&name=principal_reduction_156200.png "$156,200 Principal Reduction")A single, mature homeowner was attempting to get her home loan modified and was having [issues with Bank of America](https://blog.amerihopealliance.com/blog/bid/286229/You-re-Not-Alone-Bank-Of-America-Loan-Modification-Problems). She had been involved in an auto accident with an uninsured driver which had created financial difficulties, which eventually led to her not being able to pay her mortgage on time. Even though BOA had promised to help the homeowner, they strung her along for over a year, and the homeowner was now being threatened with foreclosure. This homeowner was paying a mortgage payment of **over $2000 monthly** with a high **9.375% interest rate**, and was **over $20,000 behind** on her mortgage. Once she hired Amerihope Alliance Legal Services, her entire situation began to change.

Our team began working with [Bank of America's notoriously difficult](https://blog.amerihopealliance.com/blog/bid/306677/5-Bank-of-America-Loan-Modification-Problems-This-Year) mortgage modification department, and assured the understandably nervous homeowner that we were taking the fastest and most effective route to defend her home and get her the best loan modification possible. We continued to pursue a loan modification after the mortgage was transferred from Bank of America to SPS (Select Portfolio Servicing). 

![Bank of America Logo](https://blog.amerihopealliance.com/hs-fs/file-223159763-png/images/bank-of-america-logo.png?width=125&name=bank-of-america-logo.png "Bank of America Logo")By January 2013, SPS approved the homeowner for a 3-month trial loan modification plan. The homeowner's mortgage payment was **reduced by over $1200** to $775 monthly, **her interest rate was cut to 2%**, less than one-third of what it originally was. Perhaps most impressively, If the homeowner was able to keep the terms of her trial modification, then her principle would be **reduced by over $156,200  to $104,042**.

![Select Portfolio Servicing Loan Modification](https://blog.amerihopealliance.com/hs-fs/file-254981833-png/images/sps-logo-sm.png "Select Portfolio Servicing Loan Modification")The homeowner fulfilled the terms of her trial modification and permanently retained the terms of the final loan modification. SPS also **deferred the $50,957.91** that she was behind on her mortgage payment and put it "at the back of the loan". In other words, that amount would not accrue any interest or monthly payments until the modified amount of $104,042 had been paid.

| ## Bank of America/SPS Loan Modification Overview |  |  |
| --- | --- | --- |
| January 2013 | Before | After |
| **Monthly Payment** | $2020.15 | $774.99 |
| **Interest Rate** | 9.375% | 2.0% |
| **Foreclosure** | No, but 30 months past due. | Threat of Foreclosure Averted |
| **Benefits to Homeowner** | ✓ $156,200.78 Principal Reduction ✓ $50,957.91 Principal Balance deferred ✓ Monthly payment reduced by 61%, saving $1246.15 per month |  |

This is an example of why it's so important to hire a foreclosure defense attorney to get the best loan modification possible. Amerihope Alliance Legal Services concentrates on providing homeowners with the legal counsel to help them avoid foreclosure or have the best chance at a bright future. We've [helped over 5,000 homeowners](https://blog.amerihopealliance.com/blog/bid/302440/Infographic-5-Year-Anniversary-5-000-Homeowners-Helped) save their homes since 2008, and we are looking forward to assisting even more people in the future.

[![Download a Sample Financial Worksheet The Secret to a Successful Loan Modification](https://no-cache.hubspot.com/cta/default/161513/cf6b638d-fab2-4dad-b7de-77e1843b1b18.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/cf6b638d-fab2-4dad-b7de-77e1843b1b18)

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![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.

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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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