--- title: Foreclosure and Loan Modification Blog (17) description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (17) --- [![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 ## [Successful Loan Modification Roundup Week of 10/20/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10/20/17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Carrington2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10/20/17) *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 Seterus, Ditech, Carrington, Caliber, Trumark Financial, Ocwen, and Loan Care: ## Carrington Great success! Our Carrington Mortgage client has a three month FHA HAMP trial loan modification with $276.81 cheaper monthly payment after falling six months behind on his mortgage payments. \[fa icon="clock-o"\] Friday, October 20, 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), [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), [seterus loan modification](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification), [loan care loan modification](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification), [trumark financial loan modification](https://blog.amerihopealliance.com/blog/topic/trumark-financial-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10/20/17) ## [Should You Trade Stocks or Bitcoin to Make Money and Avoid Foreclosure?](https://blog.amerihopealliance.com/blog/should-you-trade-stocks-or-bitcoin-to-make-money-and-avoid-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/images/Graph4.jpg)](https://blog.amerihopealliance.com/blog/should-you-trade-stocks-or-bitcoin-to-make-money-and-avoid-foreclosure) If you're **facing foreclosure**, and only have a few thousand dollars to your name, is gambling that money by **trading stocks or investing in cryptocurrencies** like Bitcoin your ticket to big earnings and saving your home? No. There are smarter ways to invest and avoid foreclosure. #### Dream Pushers There is a huge industry that sells the dream that **anyone can make a bunch of money speculating in stocks and securities**. They make it seem like all the cool people are doing it, and they're getting rich. Don't you want to be cool and rich? Discount brokerages like **Scottrade, TD Ameritrade, Etrade, and Robinhood**, as well companies providing information, like **CNBC** and countless newsletters and websites, all market the idea that it's possible for an average Joe with no experience to **earn more money trading stocks than with other investments**.  \[fa icon="clock-o"\] Wednesday, October 18, 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), [stock trading](https://blog.amerihopealliance.com/blog/topic/stock-trading), [bitcoin](https://blog.amerihopealliance.com/blog/topic/bitcoin) [Read More »](https://blog.amerihopealliance.com/blog/should-you-trade-stocks-or-bitcoin-to-make-money-and-avoid-foreclosure) ## [Successful Loan Modification Roundup Week of 10/13/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10/13/17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Cenlar.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10/13/17) *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 Cenlar, Home Point Financial, Seterus, Freedom Mortgage, and Citi: ## Cenlar Our Cenlar client was 12 months and $22,362 past due on mortgage, now has an FHA-HAMP loan modification with massive $401.66 monthly savings! \[fa icon="clock-o"\] Friday, October 13, 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), [citi loan modification](https://blog.amerihopealliance.com/blog/topic/citi-loan-modification), [seterus loan modification](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification), [cenlar loan modification](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification), [home point loan modification](https://blog.amerihopealliance.com/blog/topic/home-point-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-10/13/17) ## [Foreclosure Moratorium Available for FHA Homeowners Hit by Hurricane Irma](https://blog.amerihopealliance.com/blog/disaster-relief-available-for-fha-homeowners) [![](https://blog.amerihopealliance.com/hubfs/TimeRolling-191301-edited.jpg)](https://blog.amerihopealliance.com/blog/disaster-relief-available-for-fha-homeowners) If your **home or your ability to pay your mortgage was damaged** by a presidentially-declared disaster, such as **hurricanes Harvey, Irma, or Maria**, you may qualify for a foreclosure moratorium. The Department of Housing and Urban Development (HUD) website says: *“If you are at **risk of losing your home because of the disaster**, your lender may **stop or delay initiation of foreclosure for 90 days**. Lenders may also waive late fees for borrowers who may become delinquent on their loans as a result of the disaster.”* This help is much needed for many people affected by the recent hurricanes. **Forced evacuations, missed work, damaged homes and property, injuries**, and all kinds of extra expenses are contributing to people's financial hardships, which can leave them **unable to make mortgage payments**. 90 days delay on foreclosure initiation or a waiver on late fees is a big help in easing the burden caused by a disaster and could be the difference between keeping your home and losing it. \[fa icon="clock-o"\] Wednesday, October 11, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [florida foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney), [HUD](https://blog.amerihopealliance.com/blog/topic/hud), [foreclosure moratorium](https://blog.amerihopealliance.com/blog/topic/foreclosure-moratorium) [Read More »](https://blog.amerihopealliance.com/blog/disaster-relief-available-for-fha-homeowners) ## [Successful Loan Modification Roundup Week of 10/6/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10-6-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Ditech4.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-10-6-17) *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 Ditech and Selene: ## Ditech More than 8 years and $162,084 past due on mortgage payments to Ditech, our client now has a final FNMA Flex modification with 45% lower interest rate, $64,896 deferred with no interest, and $98.79 cheaper monthly payment! \[fa icon="clock-o"\] Friday, October 6, 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), [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-10-6-17) ## [Successful Loan Modification Roundup Week of 9/29/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-9/29/17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Carrington.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-9/29/17) *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 Carrington and Capital One: ## Carrington  30 months and $45,490+ past due on mortgage, our Carrington client now has a USDA modification with waived late fees and a fresh start! \[fa icon="clock-o"\] Friday, September 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), [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification), [capital one loan modifications](https://blog.amerihopealliance.com/blog/topic/capital-one-loan-modifications) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-9/29/17) ## [What Will the Terms of Your Loan Modification Be?](https://blog.amerihopealliance.com/blog/what-will-the-terms-of-your-loan-modification-be) [![](https://blog.amerihopealliance.com/hubfs/images/Bubble3-188290-edited.jpg)](https://blog.amerihopealliance.com/blog/what-will-the-terms-of-your-loan-modification-be) When you need a **loan modification**, you really need one. It might be the **only way to save your home and avoid foreclosure**. Getting one is great, but what will the terms of your loan modification be? Will they be great, with a lower monthly payment that you can easily afford, or will they be bad and cause you to default again? It depends. **Loan modifications have as much variety as the mortgages they modify and the people who get them.** No one can tell you what terms you will have until your bank offers you a final loan modification. In fact, no one can guarantee that you will get a loan modification at all, much less that it will have certain terms. \[fa icon="clock-o"\] Thursday, September 28, 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), [loan modification terms](https://blog.amerihopealliance.com/blog/topic/loan-modification-terms) [Read More »](https://blog.amerihopealliance.com/blog/what-will-the-terms-of-your-loan-modification-be) ## [Help Is Available for Hurricane Irma Survivors](https://blog.amerihopealliance.com/blog/help-is-available-for-homeowners-recovering-from-hurricane-irma) [![](https://blog.amerihopealliance.com/hubfs/images/Irma.jpg)](https://blog.amerihopealliance.com/blog/help-is-available-for-homeowners-recovering-from-hurricane-irma) Hurricane Irma did more than $62 billion of damage in Florida and the Caribbean, making it the **fourth-costliest hurricane on record**. Homes and property were destroyed and damaged, 101 people died, and many endured serious hardships. Survivors continue to clean up and try to return to their normal lives. Fortunately **there is help available from the federal government, state government, and charities**. Below are links and information on some of the help that's available. **FEMA, the Federal Emergency Management Agency**, is involved in coordinating the response to Irma since a state of emergency was declared in Florida. You can go to [FEMA.gov](http://FEMA.gov) or [Disasterassistance.gov](http://Disasterassistance.gov) for more information on a variety of programs to see if you are eligible for assistance and to apply. You can also call FEMA toll-free at **1-800-621-FEMA (1-800-621-3362)**. \[fa icon="clock-o"\] Saturday, September 23, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [fema](https://blog.amerihopealliance.com/blog/topic/fema) [Read More »](https://blog.amerihopealliance.com/blog/help-is-available-for-homeowners-recovering-from-hurricane-irma) ## [Successful Loan Modification Roundup Week of 9/22/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-9-22-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Ocwen5.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-9-22-17) *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 Ocwen, Caliber, SLS, BSI, BB&T, SPS, Nationstar, and Loan Care: ## Ocwen 20 months and $22,627 past due on mortgage payments to Ocwen, our client now has a 3-month in-house trial loan modification with $261.12 monthly savings! \[fa icon="clock-o"\] Friday, September 22, 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), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [sps loan modification](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification), [caliber loan modification](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification), [nationstar loan modification](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification), [sls loan modification](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification), [loan care loan modification](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification), [bsi loan modification success](https://blog.amerihopealliance.com/blog/topic/bsi-loan-modification-success), [bb&t loan modification](https://blog.amerihopealliance.com/blog/topic/bbt-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-9-22-17) ## [What Is Final Judgment of Foreclosure, and How Can You Avoid It?](https://blog.amerihopealliance.com/blog/what-is-final-judgment-of-foreclosure-and-how-do-you-avoid-it) [![](https://blog.amerihopealliance.com/hubfs/images/Dominoes2.jpg)](https://blog.amerihopealliance.com/blog/what-is-final-judgment-of-foreclosure-and-how-do-you-avoid-it) A **final judgment of foreclosure** is an order in certain states that a plaintiff/bank gets from the court, which allows them to sell a defendant's home for failure to pay the mortgage. **Final judgment of foreclosure is one of the last dominoes to fall before the foreclosure sale, and a big loss for a homeowner who wants to keep their home.** Final judgment can be ***in rem*** (against the house), ***in personam*** (against the homeowner), or both. If the lender believes there is a **deficiency** on the in rem judgment because the home won't sell for enough to cover all the money they're owed, they can seek an in personam judgment against the homeowner. \[fa icon="clock-o"\] Saturday, September 2, 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), [final judgment](https://blog.amerihopealliance.com/blog/topic/final-judgment) [Read More »](https://blog.amerihopealliance.com/blog/what-is-final-judgment-of-foreclosure-and-how-do-you-avoid-it) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/page/16) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/page/18) ### 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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