--- title: "Spot the Differences: Loan Modification vs. Short Sale" description: Loan modifications and short sales have a similar process, but very different outcomes. image: https://blog.amerihopealliance.com/hubfs/images/loan-modification-facts-short-sale.png --- [![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 ## Spot the Differences: Loan Modification vs. Short Sale \[fa icon="clock-o"\] Monday, April 27, 2015 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney) ![loan-modification-facts-short-sale](https://blog.amerihopealliance.com/hs-fs/hubfs/images/loan-modification-facts-short-sale.png?width=474&name=loan-modification-facts-short-sale.png)Today, millions of Americans struggle to pay their mortgage payments. Whether it's because of a change in income, lost job, an injury or illness, or because of a costly divorce; these financial burdens can be overwhelming. In any case, the goal is for you to relieve yourself of the gargantuan financial burden with the least repercussions. As a result, a growing number of homeowners consider a loan modification vs. short sale. While each of these solutions have challenges, both are better than losing your house to foreclosure. Continue reading to learn more about loan modification vs. short sale. # What is Loan Modification? The goal of a loan modification is to lower your mortgage payment, which will make it more affordable. Loan modifications achieve one or more of the following: - Lowering the principal balance - Extending the term of the loan - Reducing the interest rate - Adding the unpaid interest to the principal balance One of the top benefits to a loan modification is that you do not lose your home. # What is a Short Sale? If you can't qualify for a mortgage modification, or can't afford a mortgage payment, you may consider a short sale as an option. A short sale entails you selling your home for less than the amount you owe. Once you find a purchaser and an offer has been made, the lender must agree to accept less than the amount that is owed on your mortgage. With a short sale, the lender will take a loss, but many lenders agree to this deal as a way of avoiding the hassle of foreclosing on your home and selling it. # Key Differences Between Loan Modification vs. Short Sale In comparison of a loan modification vs. short sale, both transactions take about the same amount of time to conclude, which can be anywhere from three to six months or more. In addition, the paperwork required in either process is relatively similar, such as:  - [Hardship letter](https://legal.amerihopealliance.com/download-our-hardship-letter-guide) to explain the circumstances - Letter of authorization if you are using a 3rd party broker - Income verification, such as pay stubs and tax returns - Personal financial statement - Lengthy application and review process While they share a few similarities, there are differences.  ## Short Sale![loan-mod-v-short-sale](https://blog.amerihopealliance.com/hs-fs/hubfs/images/loan-mod-v-short-sale.png?width=254&name=loan-mod-v-short-sale.png) With a short sale, you probably owe more on your home than it is worth. Short sales require you to hire a realtor to sell your home and then work with an attorney (or occasionally your realtor) to negotiate with the lender on your behalf. The goal is for the lender to take a payoff amount lower than what is owed. It's important to ensure that you are not liable for the difference between the original loan balance and the selling price of your home. In a short sale, releasing the liability is critical - but not guaranteed. ## Mortgage Modification This option is more favorable in comparison to a short sale because it's more like a refinance. However, a loan modification wouldn't be a new loan. Instead, your lender must agree to alter the terms with the overall goal of lowering your monthly payment. With modifications, your original mortgage will still be in place, but with a modified promissory note. While everyone's situation is different, some people have to weigh the pros and cons of a loan modification against those of a short sale. However, the loan modification process can be very confusing. As a result, it's best to consult with an experienced team of legal professionals to help determine whether you're a good candidate for a loan modification, or whether you should consider alternatives.   [![Download a List of the Documents Needed for a Loan Modification](https://no-cache.hubspot.com/cta/default/161513/a8b00df0-3e19-463a-b6dd-d8b566aa2ca5.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/a8b00df0-3e19-463a-b6dd-d8b566aa2ca5) - [Tweet](https://twitter.com/share) ![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. [\[fa icon="facebook"\]](http://www.facebook.com/amerihope) [\[fa icon="twitter"\]](http://www.twitter.com/amerihope) ### 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/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/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/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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