---
title: "Loan Modification Success: SPS Payment and Interest Rate Reduction"
description: We got this homeowner a payment and interest rate reduction. Here's the story of how it happened.
image: https://blog.amerihopealliance.com/hs-fs/file-393814818-jpg/images/face-payment-interest-reductin.jpg
---

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## Loan Modification Success: SPS Payment and Interest Rate Reduction

\[fa icon="clock-o"\] Sunday, January 12, 2014  \[fa icon="user"\] [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), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help)

*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.*

![face-payment-interest-reductin](https://blog.amerihopealliance.com/hs-fs/file-393814818-jpg/images/face-payment-interest-reductin.jpg?width=276&name=face-payment-interest-reductin.jpg)Imagine if you had hired a law firm to help you save you and your family's home, but that law firm ended up splitting up and forgetting about your case. This homeowner faced that exact situation, and needed reliable help to help him ensure that his home stayed in hiMortgage s possession.

## "We Just Want To Get Caught Up"

This homeowner and his wife had suffered through job loss and had fallen two years behind on their **$1,861 monthly mortgage payment** to [Select Portfolio Servicing](http://biz.yahoo.com/ic/110/110499.html) (**SPS**) before retaining us, but was now in a more advantageous financial  situation. As a matter of fact, in the homeowner and his wife simply wanted to "get caught up on (their) loan- (their) financial situation has now changed and they're able to make regular payments." They had been previously served foreclosure, but they believed that case had since been dismissed by their previous law firm. The couple were afraid that they could be served again and needed our help.

## Working With The Homeowner

Our home retention department began working with the homeowners to get the necessary documents and information together to create a [loan modification package](https://blog.amerihopealliance.com/blog/bid/293818/What-You-Need-to-Know-about-Loan-Modification-Packagesdas) that would be accepted by their bank. Concurrently, our legal team began taking the necessary steps to ensure that the home would not be foreclosed on during this time, because they learned that the foreclosure had not, in fact, been dismissed.

By **June 2013**, the homeowner had submitted all the necessary [documents for a loan modification](https://blog.amerihopealliance.com/blog/bid/281207/How-to-Complete-a-Financial-Worksheet-for-a-Loan-Modification-Package). He received a trial loan modification offer from SPS **by the end of the month**. Under the terms of this plan, he would now pay $1,191 per month for 3 months. If he fulfilled the terms of the trial loan modification, then he would be offered a permanent loan modification. 

## Completing the Terms

![sps-logo-sm](https://blog.amerihopealliance.com/hs-fs/file-254981833-png/images/sps-logo-sm.png)The homeowner completed the terms of the [trial loan modification](http://www.oregonlive.com/front-porch/index.ssf/2013/08/ruling_may_ease_loan_modificat.html), and received a permanent loan modification. His permanent payment is now **$1,205** each month, a far cry from the $1,800 he was originally paying. His interest rate is now fixed at **4.125%**, which is less than half of the 9.25% he was paying before. The account is now considered current, and our attorneys are now free to have the foreclosure case dismissed.

| ## SPS Trial to Permanent Loan Modification Overview |  |  |
| --- | --- | --- |
| November 2013 | Before | After |
| **Monthly Payment** | $1,838.81 | $1,205.08 |
| **Interest Rate** | 9.25% | 4.125% |
| **Foreclosure** | 34 Months Past Due ($63,010.38) Past Due, Foreclosure Active | Foreclosure to be dismissed. |
| **Benefits to Homeowner** | ✓ $43,081.94 Principal forgiveness, $3,755.49 in fees waived. ✓ Monthly payment reduced by 34% |  |

This case proves why it's important to hire a highly qualified foreclosure defense attorney to help you get through a period of re-stabilization. This homeowner was originally only seeking our assistance in helping him to obtain a loan modification and had no clue that his house was within the foreclosure process. We were able to help him completely salvage his situation by getting him a loan modification, and stopping the foreclosure case on his house.

[![Download a Personal Budget Worksheet](https://no-cache.hubspot.com/cta/default/161513/673ffdbf-4b9f-4094-a128-939aae19935c.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/673ffdbf-4b9f-4094-a128-939aae19935c)

 photo credit: [humanstatuebodyart](http://www.flickr.com/photos/humanstatuebodyart/8274605172/) via [photopin](http://photopin.com) [cc](http://creativecommons.org/licenses/by-sa/2.0/)

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#### 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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