--- title: Foreclosure and Loan Modification Blog (15) description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (15) --- [![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 ## [HUD Releases Guide "What To Do If You Can't Pay Your Mortgage"](https://blog.amerihopealliance.com/blog/hud-releases-homeowners-guide-to-success-for-those-who-cant-pay-mortgage) [![](https://blog.amerihopealliance.com/hubfs/images/HUD-1.jpg)](https://blog.amerihopealliance.com/blog/hud-releases-homeowners-guide-to-success-for-those-who-cant-pay-mortgage) The Department of **Housing and Urban Development (HUD)** has released a document that gives homeowners information on what to do when they're facing foreclosure or can't make their mortgage payments called ***“Homeowner's Guide to Success: What To Do If You Can't Pay your Mortgage.”*** The HUD guide is short, but contains a lot of useful information for homeowners who are **in foreclosure or in danger of falling into foreclosure**. If you're having trouble with your mortgage and don't know what to do, HUD's guide is a **good place to start** learning about what options are available to you. The guide includes a glossary of terms, a financial worksheet, and advice on where to go for more information. But it also includes some specific advice on what you should do. \[fa icon="clock-o"\] Wednesday, January 10, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HUD](https://blog.amerihopealliance.com/blog/topic/hud), [avoiding foreclosure](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/hud-releases-homeowners-guide-to-success-for-those-who-cant-pay-mortgage) ## [Will Your Loan Modification Include a Deferment and Balloon Payment?](https://blog.amerihopealliance.com/blog/will-your-loan-modification-include-a-deferment-and-balloon-payment) [![](https://blog.amerihopealliance.com/hubfs/Balloon-176685-edited.jpg)](https://blog.amerihopealliance.com/blog/will-your-loan-modification-include-a-deferment-and-balloon-payment) The terms of some mortgage **loan modifications** include **deferment** of a portion of the money owed, which is not paid back in monthly payments like the rest of the loan. Rather, the deferred amount is put to the side when a loan is permanently modified, where it **accumulates no interest**. When the loan matures or the home is sold, the **deferred amount has to be paid back in one balloon payment**. When a loan modification includes a deferment it is typically for the **amount the borrower is past due**, which includes fees, and can be **tens or hundreds of thousands of dollars**. \[fa icon="clock-o"\] Saturday, January 6, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [deferment](https://blog.amerihopealliance.com/blog/topic/deferment) [Read More »](https://blog.amerihopealliance.com/blog/will-your-loan-modification-include-a-deferment-and-balloon-payment) ## [Successful Loan Modification Roundup Week of 1/5/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/5/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Caliber6.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/5/18) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.* Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Carrington, Ocwen, Caliber, M&T Bank, Freedom Mortgage, and Bayview: ## Caliber Our Caliber clients were 53 months and $81,198.06 past due on their mortgage with a foreclosure sale date set, but we helped them get a three month in-house trial loan modification plan with $183.84 monthly savings! \[fa icon="clock-o"\] Friday, January 5, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification), [caliber loan modification](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification), [bayview loan modification](https://blog.amerihopealliance.com/blog/topic/bayview-loan-modification), [m&t bank loan modification](https://blog.amerihopealliance.com/blog/topic/mt-bank-loan-modification), [freedom mortgage loan modification](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/5/18) ## [Successful Loan Modification Roundup Week of 12/29/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12-29-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Ditech5.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12-29-17) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.* Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Selene and Ditech: ## Ditech Our Ditech clients were 53 months and $80,522.01 past due on their mortgage with foreclosure started on their home, now they have a permanent in-house loan modification with 3.75% lower interest rate (from 7.75% to 4.0%) and $329.04 lower monthly payment!  \[fa icon="clock-o"\] Friday, December 29, 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), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification), [selene loan modification](https://blog.amerihopealliance.com/blog/topic/selene-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12-29-17) ## [SLS Tries To Foreclose On Widow, Loan Modification Saves Her Home](https://blog.amerihopealliance.com/blog/sls-tries-to-foreclose-on-widow-loan-modification-saves-home) [![](https://blog.amerihopealliance.com/hubfs/images/Mountain2.jpg)](https://blog.amerihopealliance.com/blog/sls-tries-to-foreclose-on-widow-loan-modification-saves-home) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here is one of their stories.* A recent client of our law firm, who I'll call Ms. Garcia to protect her privacy, nearly lost her home in **Hudson County, New Jersey** after she fell behind on mortgage payments to **SLS** following the death of her husband. In June of 2015, Ms. Garcia was served a with a foreclosure **summons and complaint**, which meant that she was being sued and was the defendant in a civil lawsuit. This is the way it works in states with a **judicial foreclosure process**. The plaintiff (the party suing) was **HSBC**. By June of 2016, an **order of summary judgment** had been entered, which meant that the lender could request a Writ of Execution, and a **sale date to auction off her home** at anytime. \[fa icon="clock-o"\] Thursday, December 28, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [sls loan modification](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/sls-tries-to-foreclose-on-widow-loan-modification-saves-home) ## [Successful Loan Modification Roundup Week of 12/22/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12-22-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Nationstar6.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12-22-17) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.* Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Nationstar, Shellpoint, Wells Fargo, Ocwen, and Ditech: ## Nationstar  Foreclosure was started on our Nationstar client after she fell 12 months and $12,421.52 past due on her mortgage, but we helped her get a fresh start with a three month in-house trial loan modification. If she keeps up her payments, we hope to have her in a permanent modification by Easter! Our Nationstar clients were $28,107.72 past due on their mortgage payments, but now they have a final loan modification with the entire past due amount deferred and monthly savings of $224.03 (24% reduction)! \[fa icon="clock-o"\] Friday, December 22, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [nationstar loan modification](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification), [shellpoint loan modification](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12-22-17) ## [Successful Loan Modification Roundup Week of 12/15/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/15/17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_BankofAmerica2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/15/17) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.* Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with Bank of America and Carrington: ## Bank of America Our Bank of America client was 12 months and $8,486.93 past due on her mortgage, but now she has a final in-house loan modification. Their monthly mortgage payment dropped from $695.00 to $335.00, which is a 52% decrease! We will continue to represent them and make sure that Bank of America dismisses the foreclosure lawsuit. \[fa icon="clock-o"\] Friday, December 15, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [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), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/15/17) ## [Our Client Was 98 Months Past Due with Ditech and We Still Got Him a Loan Modification!](https://blog.amerihopealliance.com/blog/our-client-was-98-months-past-due-and-we-still-got-him-a-loan-modification) [![](https://blog.amerihopealliance.com/hubfs/images/Success2.jpg)](https://blog.amerihopealliance.com/blog/our-client-was-98-months-past-due-and-we-still-got-him-a-loan-modification) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners, here is one of their stories.* Being **really, really, really far behind on your mortgage doesn't necessarily mean that you can't get a loan modification** and keep your home. A recent client of our firm is a good example of this. To protect his privacy, I'll call him Mr. Shroff. Mr. Shroff lives in a nice home, currently valued at about $1 million, in **Hilsborough County, FL** with his wife and son. He is self-employed. A downturn in his business caused him to **fall behind on his mortgage** during the recession in 2009. Eventually Mr. Shroff's financial problems cleared up and he **was able to make payments again, but by then, his mortgage servicer, Ditech, wouldn't let him make payments**. They wanted him to pay all of the missed payments plus fees, which ended up being an astounding $191,140.06. He didn't have that much cash, so he stayed in default. \[fa icon="clock-o"\] Friday, December 8, 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), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/our-client-was-98-months-past-due-and-we-still-got-him-a-loan-modification) ## [Successful Loan Modification Roundup Week of 12/1/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/1/17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_FreedomMortgage.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/1/17) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.* Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on [Twitter](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). Here are some of our results from this week with SLS and Freedom Mortgage: ## Freedom Mortgage Our Freedom Mortgage client was 8 months and $15,334 past due on his mortgage, but we helped him get a three month FHA-HAMP trial loan modification with cheaper monthly payment! \[fa icon="clock-o"\] Friday, December 1, 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), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [sls loan modification](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification), [freedom mortgage loan modification](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-12/1/17) ## [Avoid Judicial Default By Answering Foreclosure Complaint](https://blog.amerihopealliance.com/blog/judicial-default-judgment-and-answering-summons-and-complaint) [![](https://blog.amerihopealliance.com/hubfs/images/HookHouse.jpg)](https://blog.amerihopealliance.com/blog/judicial-default-judgment-and-answering-summons-and-complaint) If you miss mortgage payments, or pay less than what is required, then you're in default on your mortgage loan. Your lender will at some point send you a **notice of default letter** notifying you that by not paying your mortgage, you're in violation of the terms of the promissory note that you signed and are **at risk of losing your home to foreclosure**. If you don't work things out by reinstating your loan (paying the entire amount you're behind), agreeing to a repayment plan, or getting a loan modification, then the foreclosure process will continue. Further along in the foreclosure process there's another type of default that can happen called a **judicial default or clerk's default**. A judicial default is a *“binding judgment in favor of either party based on some failure to take action by the other party.”* \[fa icon="clock-o"\] Tuesday, November 28, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [judicial default judgment](https://blog.amerihopealliance.com/blog/topic/judicial-default-judgment), [summons and complaint](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) [Read More »](https://blog.amerihopealliance.com/blog/judicial-default-judgment-and-answering-summons-and-complaint) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/page/14) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/page/16) ### 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/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/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/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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