--- title: Foreclosure and Loan Modification Blog | foreclosure (4) description: foreclosure | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (4) --- [![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 ## [SPS Is Now the Biggest Mortgage Servicer, Getting Loan Modification a Challenge Without Help](https://blog.amerihopealliance.com/blog/sps-no-1-non-agency-mortgage-servicer) [![](https://blog.amerihopealliance.com/hubfs/images/JumpGap2.jpg)](https://blog.amerihopealliance.com/blog/sps-no-1-non-agency-mortgage-servicer) **Select Portfolio Servicing (SPS)** is now the biggest servicer of non-agency residential mortgage-backed securities (RMBS) in the country, with **410,286 loans worth $80.03 billion** in their portfolio. Previous number one Ocwen falls to second place, and Nationstar follows in the third spot. Non-agency, or “private label,” backed mortgage securities are created by private entities. They're not guaranteed by the government and often contain **higher risk subprime loans** from borrowers who couldn't meet agency standards. So SPS services a huge portfolio of mortgages that have a relatively higher risk of default. Even if only a small percentage of those loans default, there are many thousands of homeowners seeking to **work with SPS for an alternative to foreclosure**. \[fa icon="clock-o"\] Thursday, July 27, 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), [sps loan modification](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/sps-no-1-non-agency-mortgage-servicer) ## [Can A Quitclaim Deed Save You From Foreclosure?](https://blog.amerihopealliance.com/blog/can-a-quitclaim-save-you-from-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/images/quitclaim.jpg)](https://blog.amerihopealliance.com/blog/can-a-quitclaim-save-you-from-foreclosure) If you're behind on your mortgage and **desperate to avoid foreclosure**, you may find yourself searching for any and all ways, no matter how obscure, that you could improve your situation. Could there be a way to get a **free house** through the **statute of limitations** or a **quiet title** action, or would **suing your lender** benefit you in some way? We've covered all of those topics on this blog before. How about a **quitclaim deed**? Could that you could make your mortgage problems go away? \[fa icon="clock-o"\] Tuesday, July 11, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [quitclaim deed](https://blog.amerihopealliance.com/blog/topic/quitclaim-deed) [Read More »](https://blog.amerihopealliance.com/blog/can-a-quitclaim-save-you-from-foreclosure) ## [3 Close Calls with Foreclosure on Road to Wells Fargo Short Sale](https://blog.amerihopealliance.com/blog/road-to-wells-fargo-short-sale-has-close-calls-with-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/images/blog/short-sale.jpg)](https://blog.amerihopealliance.com/blog/road-to-wells-fargo-short-sale-has-close-calls-with-foreclosure) In late 2015 a homeowner in **Orange County, Florida** came to our law firm seeking assistance avoiding foreclosure. To protect his privacy, I'll call him Mr. Hannah. Mr. Hannah's home is in a great location in central Florida just a few miles from Walt Disney World. But being near the “most magical place on earth” didn't help him when, in 2010, he encountered a hardship and **couldn't afford to make his mortgage payments to Wells Fargo**. In 2011 he was served foreclosure papers. By the time we were retained to represent him, Mr. Hannah's home was scheduled to be sold in a foreclosure auction.  Our client told us that he wanted to pursue **both a loan modification and a short sale at the same time**. He figured that way if one didn't work out he would have the other option to fall back on. We've heard this from other clients in the past, but it doesn't work like that. \[fa icon="clock-o"\] Sunday, May 28, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [short sale](https://blog.amerihopealliance.com/blog/topic/short-sale), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [wells fargo](https://blog.amerihopealliance.com/blog/topic/wells-fargo) [Read More »](https://blog.amerihopealliance.com/blog/road-to-wells-fargo-short-sale-has-close-calls-with-foreclosure) ## [4 Ways to Avoid Foreclosure at the Last Second](https://blog.amerihopealliance.com/blog/4-ways-to-avoid-foreclosure-at-the-last-second) [![](https://blog.amerihopealliance.com/hubfs/images/ClockChain.jpg)](https://blog.amerihopealliance.com/blog/4-ways-to-avoid-foreclosure-at-the-last-second) Falling behind on your mortgage is a terrible situation to be in, but even if a foreclosure sale date is fast approaching, it doesn't necessarily mean that all is lost. **You may still be able to stop foreclosure, possibly even permanently.** Depending on your situation, a l**oan modification, adjournment, emergency motion, or bankruptcy** could help you avoid losing your home to foreclosure. Here's how each works: ## 1. Loan Modification Applying for a loan modification can stop a foreclosure sale when the application for it is submitted to the mortgage servicer **at least 37 days before the sale date**. When a bank pursues foreclosure while a loan mod application is under review, that's called dual-tracking, a practice that is prohibited by the Consumer Financial Protection Bureau's mortgage servicing rules. \[fa icon="clock-o"\] Thursday, May 18, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [Bankruptcy](https://blog.amerihopealliance.com/blog/topic/bankruptcy), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [avoiding foreclosure](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/4-ways-to-avoid-foreclosure-at-the-last-second) ## [Foreclosures Lowest Since 2005, Repeats High In New York City And Miami](https://blog.amerihopealliance.com/blog/foreclosure-rate-lowest-since-2005-but-repeat-foreclosures-high-in-new-york-city-and-miami) [![](https://blog.amerihopealliance.com/hubfs/images/foreclosure_Starts_completions_April_2017.png)](https://blog.amerihopealliance.com/blog/foreclosure-rate-lowest-since-2005-but-repeat-foreclosures-high-in-new-york-city-and-miami) ATTOM Data Solutions has released its April 2017 U.S. Foreclosure Market Data report, which shows that **April's foreclosure activity is the lowest since November 2005**. In April 2017 there were 77,049 foreclosure filings, which is a **drop of 7% from the month before and a decline of 23% from a year ago**. A foreclosure filing includes default notices, scheduled auctions, and bank repossessions. The good performance of mortgages originated over the last seven years is a big part of the reason for foreclosure filings continuing to drop, ATTOM says. They do, however point to an issue with repeat foreclosures *“on homeowners who often fell into default several years ago but have not been able to avoid foreclosure despite the housing recovery.”* \[fa icon="clock-o"\] Wednesday, May 17, 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), [florida foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [housing market](https://blog.amerihopealliance.com/blog/topic/housing-market) [Read More »](https://blog.amerihopealliance.com/blog/foreclosure-rate-lowest-since-2005-but-repeat-foreclosures-high-in-new-york-city-and-miami) ## [6 Ways to save Money When You're Behind on Your Mortgage](https://blog.amerihopealliance.com/blog/6-ways-to-save-money-when-youre-behind-on-your-mortgage) [![](https://blog.amerihopealliance.com/hubfs/images/CostControl.jpg)](https://blog.amerihopealliance.com/blog/6-ways-to-save-money-when-youre-behind-on-your-mortgage) If you've fallen behind on your mortgage, it's a good idea to **save some extra money** to help you get through whatever solution you eventually reach and your life afterward. No matter what happens, whether it's the best case scenario, like a **loan modification with a big principal reduction** and low monthly payment and interest rate, or the worst, like **losing your home to foreclosure**, having a bigger financial cushion is always a good thing. **You can never have too much money.** (If you can, that's the kind of problem we'd all like to have.) Americans aren't the best savers in the world. **1 in 3 Americans has no retirement savings**, and many households don't have enough cash savings to survive a $500 emergency, much less a mortgage crisis that costs **tens or hundreds of thousands of dollars**. The good news is that just about anybody can save some money with a little bit of effort. Here are a few suggestions on how to do that. \[fa icon="clock-o"\] Saturday, May 13, 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), [personal finance](https://blog.amerihopealliance.com/blog/topic/personal-finance), [loan modification cost](https://blog.amerihopealliance.com/blog/topic/loan-modification-cost) [Read More »](https://blog.amerihopealliance.com/blog/6-ways-to-save-money-when-youre-behind-on-your-mortgage) ## [Citi Denied a Loan Modification for Years until We Demanded Fair Treatment](https://blog.amerihopealliance.com/blog/citi-gives-nj-homeowner-the-runaround-on-loan-modification) [![](https://blog.amerihopealliance.com/hubfs/images/Citi_Trial-909953-edited.png)](https://blog.amerihopealliance.com/blog/citi-gives-nj-homeowner-the-runaround-on-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.* In March 2014 we were hired by a homeowner in Trenton NJ, whom I'll call **Ramon Delgado** to protect his privacy, who needed **help saving his home from foreclosure**. Mr. Delgado, like most homeowners, didn't want to default on his mortgage with **Citi**, but a significant **loss of income** forced him into a situation where he couldn't make his house payments.  He was able to **recover from his hardship** and regain the ability to pay his mortgage. However, after falling so far behind, Citi didn't want him to resume making regular mortgage payments. **They wanted a big check for all the missed payments plus fees**, which he didn't have the cash to do. So he remained in default even though he could have made payments. This is a common scenario.  \[fa icon="clock-o"\] Wednesday, May 3, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [citi loan modification](https://blog.amerihopealliance.com/blog/topic/citi-loan-modification), [complete application scam](https://blog.amerihopealliance.com/blog/topic/complete-application-scam) [Read More »](https://blog.amerihopealliance.com/blog/citi-gives-nj-homeowner-the-runaround-on-loan-modification) ## [Loan modification denied because of “complete” application scam?](https://blog.amerihopealliance.com/blog/was-your-loan-modification-denied-because-of-the-complete-application-scam) [![](https://blog.amerihopealliance.com/hubfs/Paperwork-723272-edited.jpg)](https://blog.amerihopealliance.com/blog/was-your-loan-modification-denied-because-of-the-complete-application-scam) Loan modifications, which involve a permanent change to one or more of the terms of a mortgage, are often the only means homeowners who've fallen behind on their mortgage have to **save their home**. But they are quite difficult to get, and sometimes the bank denies that they've received a complete loan modification application, depriving the homeowner of vital **protections against foreclosure**. To be eligible for a loan modification, a package called a **Request for Mortgage Assistance, or RMA**, must be submitted to the mortgage servicer. The RMA includes **tax and income documents** as well as an affidavit explaining the **hardship** that caused the default.  **Your mortgage company is not supposed to move forward with foreclosure when you have a complete loan modification application accepted and under review.** Doing so would be engaging in something called [dual-tracking](https://blog.amerihopealliance.com/blog/banks-still-dual-tracking-despite-restrictions), which is prohibited by mortgage servicing rules from the Consumer Financial Protection Bureau (**CFPB**). \[fa icon="clock-o"\] Tuesday, April 25, 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), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [foreclosure fraud](https://blog.amerihopealliance.com/blog/topic/foreclosure-fraud) [Read More »](https://blog.amerihopealliance.com/blog/was-your-loan-modification-denied-because-of-the-complete-application-scam) ## [Not Answering Summons and Complaint Made It Easier for Wells Fargo to Set Foreclosure Sale Date](https://blog.amerihopealliance.com/blog/not-answering-summons-and-complaint-made-it-easier-for-wells-fargo-to-foreclose) [![](https://blog.amerihopealliance.com/hubfs/images/Wonka3.jpg)](https://blog.amerihopealliance.com/blog/not-answering-summons-and-complaint-made-it-easier-for-wells-fargo-to-foreclose) In late 2016 our firm was retained by a homeowner I'll call **Juan Wilson** to protect his privacy. Juan owned a home in Orange County, Florida. A truck driver, Juan encountered financial difficulties and prioritized payment on his truck over his home, defaulting on his mortgage in 2015. There's a saying that goes ***“you can sleep in your car, but you can't drive your house to work.”*** That was doubly true of Juan since he made his living with his truck, and without it he wouldn't have the income to pay any bills. Not paying his mortgage may have been the lesser of two evils, but it came with serious consequences. After not receiving their mortgage payments Juan's bank, **Wells Fargo**, started trying to foreclose. He was served with a **summons and complaint** in April of 2015 and made the mistake of not responding to it or raising any defenses. \[fa icon="clock-o"\] Monday, April 10, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [i have a foreclosure sale date](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date), [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure process](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/not-answering-summons-and-complaint-made-it-easier-for-wells-fargo-to-foreclose) ## [CoreLogic Releases 10-year Retrospect of The Foreclosure Crisis](https://blog.amerihopealliance.com/blog/corelogic-releases-10-year-retrospect-of-the-us-residential-foreclosure-crisis) [![](https://blog.amerihopealliance.com/hubfs/images/Crisis.jpg)](https://blog.amerihopealliance.com/blog/corelogic-releases-10-year-retrospect-of-the-us-residential-foreclosure-crisis) 10th anniversaries are traditionally celebrated with gifts of tin or aluminum. But for the 10th anniversary of the foreclosure crisis, **real estate data and analytics company CoreLogic has released a report analyzing a decade of foreclosures**. How romantic! CoreLogic knows us so well. It's called **“10-year retrospect of the U.S. residential foreclosure crisis”**. It shows that the housing market has improved dramatically from the worst of the crisis and “started to normalize, recording approximately 22,000 completed foreclosures a month.” \[fa icon="clock-o"\] Wednesday, April 5, 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), [foreclosure crisis](https://blog.amerihopealliance.com/blog/topic/foreclosure-crisis) [Read More »](https://blog.amerihopealliance.com/blog/corelogic-releases-10-year-retrospect-of-the-us-residential-foreclosure-crisis) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/topic/foreclosure/page/3) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/foreclosure/page/5) ### 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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