---
title: Foreclosure and Loan Modification Blog | loan modification attorney (3)
description: loan modification attorney | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (3)
---

[![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/)

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# Foreclosure and Loan Modification Blog

- [Blog](https://blog.amerihopealliance.com/blog)
- Foreclosure and Loan Modification Blog

## [Pennsylvania Foreclosure Help: How to Save Your Home](https://blog.amerihopealliance.com/blog/bid/304344/Pennsylvania-Foreclosure-Help-How-to-Save-Your-Home)

[![](https://blog.amerihopealliance.com/hs-fs/file-226917056-jpg/images/small__2432720887.jpg)](https://blog.amerihopealliance.com/blog/bid/304344/Pennsylvania-Foreclosure-Help-How-to-Save-Your-Home)

# Liberate Yourself From Foreclosure

The truth is that you have a good probability of successfully defending against foreclosure on your home. However, the majority of Pennsylvania residents do not fight to keep their homes. Why?

They do not believe that effective action can be taken to save their homes or avoid foreclosure. Pennsylvania homeowners have several foreclosure help options, which can improve the chances of staying in your home.

If you are on the verge of falling behind on your mortgage payments or have entered the [foreclosure timeline](https://blog.amerihopealliance.com/blog/bid/302214/Free-Offer-Download-the-Pennsylvania-Foreclosure-Timeline), here are the most common foreclosure defense options to help you avoid foreclosure and deficiency judgment

\[fa icon="clock-o"\] Wednesday, July 17, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [pennsylvania foreclosure defense](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense), [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/304344/Pennsylvania-Foreclosure-Help-How-to-Save-Your-Home)

## [Loan Modification Success: Nationstar Payment Reduction](https://blog.amerihopealliance.com/blog/bid/303552/Loan-Modification-Success-Nationstar-Payment-Reduction)

*Disclaimer: these results should not be construed as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.*

![loan mod woman](https://blog.amerihopealliance.com/hs-fs/file-222763450-jpg/images/loan-mod-woman.jpg?width=146&height=227&name=loan-mod-woman.jpg)A mature, single Florida homeowner was having difficulties making her mortgage payment, because of limited income from social security. She was even renting out one of her bedrooms. It just wasn't enough to make ends meet. When she retained our law firm, she hadn't paid her mortgage in over 10 months, she owed her lender—[Nationstar Mortgage](http://www.forbes.com/companies/nationstar-mortgage-holdings/)—over $8,000 dollars, and her home was in the foreclosure process. No foreclosure sale date had been set yet.

\[fa icon="clock-o"\] Saturday, July 13, 2013  \[fa icon="user"\] [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](https://blog.amerihopealliance.com/blog/topic/loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/303552/Loan-Modification-Success-Nationstar-Payment-Reduction)

## [What Should The President Do To Improve Mortgage Modifications?](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications)

[![](https://blog.amerihopealliance.com/hs-fs/file-37004226-jpg/images/small__2770838680.jpg)](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications)

David Ramos is one of the nation's foremost experts in home loan modification. He has helped over 5,000 homeowners stay in their homes, and now works with lawyers to save homeowners as Operations Manager at [Amerihope Alliance Legal Services](https://amerihopealliance.com/)which is a law firm that concentrates on foreclosure defense. Today, I asked him about what the government should do to help homeowners.

**Interviewer:** If you were President, what is the one thing you'd do to help homeowners who need a home loan modification?

**David Ramos:** “To understand the changes I would make, you need to first understand what the situation in the loan modification industry is today. Before Wall Street got involved with home loans, the [loan modification system](https://blog.amerihopealliance.com/blog/bid/288632/Where-Can-I-Get-Home-Loan-Modification-Help) was a lot more simple. If a client's mortgage was with Chase Bank, for example, then we would just call the bank directly and work with them. When subprime lending was in vogue and Wall Street became involved with home loans, loans were no longer owned by single banks, they were often owned by groups of investors who purchased them on the secondary market.

\[fa icon="clock-o"\] Friday, May 10, 2013  \[fa icon="user"\] [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), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/290807/What-Should-The-President-Do-To-Improve-Mortgage-Modifications)

## [I Won With A Loan Modification Attorney: David's Success Story](https://blog.amerihopealliance.com/blog/bid/287614/I-Won-With-A-Loan-Modification-Attorney-David-s-Success-Story)

[![](https://blog.amerihopealliance.com/hs-fs/file-31301126-jpg/images/dave-massage.jpg)](https://blog.amerihopealliance.com/blog/bid/287614/I-Won-With-A-Loan-Modification-Attorney-David-s-Success-Story)

# Healing Hands For Healing A Mortgage

David Hochstadt is a full-time licensed massage therapist with Healing Arts Massage. He is also a satisfied customer of Amerihope Alliance Legal services; so satisfied, in fact, that he offered complimentary massages to the entire staff of Amerihope Alliance Legal Services, and the staff graciously accepted David's offer, as you can see to the left.

\[fa icon="clock-o"\] Monday, April 29, 2013  \[fa icon="user"\] [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), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/287614/I-Won-With-A-Loan-Modification-Attorney-David-s-Success-Story)

## [Saving The American Dream: David Ramos, Mortgage Modification Master](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master)

[![](https://blog.amerihopealliance.com/hs-fs/file-30444843-jpeg/images/david-ramos-resized-600.jpeg)](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master)

Beginning in 2008, a record number of homeowners had trouble paying their mortgage payments, thanks to the subprime mortgage crisis. As a result, a record number of homes went into foreclosure.

David Ramos' mission is to help save people from that plight. Mr. Ramos, who has worked with home mortgages for over 15 years, started helping people modify their home loans 5 years ago, and hasn't stopped since. With over 5,000 mortgage modifications under his belt, Mr. Ramos is recognized as one of the world's foremost experts in home loan modification, and he continues to help people save their homes as Operations Manager at Amerihope Alliance Legal Services, a law firm that concentrates on foreclosure defense.

Today, I sat down with David Ramos to discuss the drastic changes in home loan modifications over the last 5 years.

**Interviewer:** Before the mortgage crisis, did loan modifications even exist?

\[fa icon="clock-o"\] Friday, April 19, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [bank of america loan modification](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification), [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/285807/Saving-The-American-Dream-David-Ramos-Mortgage-Modification-Master)

## [Force-Placed Insurance: What To Look Out For And What To Do Next](https://blog.amerihopealliance.com/blog/bid/284834/Force-Placed-Insurance-What-To-Look-Out-For-And-What-To-Do-Next)

[![](https://blog.amerihopealliance.com/hs-fs/file-30107204-jpg/images/high-mortgage-payment.jpg)](https://blog.amerihopealliance.com/blog/bid/284834/Force-Placed-Insurance-What-To-Look-Out-For-And-What-To-Do-Next)

## What Is Force-Placed Insurance?

For home and condominium owners, the housing crisis brought a host of financial challenges, forcing many into or on the brink of foreclosure. Now, in addition to struggling with bank notices and loan modifications, the financial industry has added another compounding hardship for property owners: force-placed property insurance.

Force-placed property insurance has become something of a recent development arising out of the financial crisis. This is a mortgage or loan lender practice implemented mostly in states like [Florida](https://blog.amerihopealliance.com/blog/bid/281550/How-to-Stop-Foreclosure-in-Florida), New York, Pennsylvania, and New Jersey that were hit hardest by the housing crisis and were victims of recent natural disasters, like Hurricane Sandy. The property insurance required by the lender insures against natural disaster and human-inflicted damages.

\[fa icon="clock-o"\] Wednesday, April 17, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/284834/Force-Placed-Insurance-What-To-Look-Out-For-And-What-To-Do-Next)

## [Finding a Loan Modification Attorney](https://blog.amerihopealliance.com/blog/bid/276670/Finding-a-Loan-Modification-Attorney)

![loan modification attorney](https://blog.amerihopealliance.com/hs-fs/file-24483447-jpg/images/medium_6141737354.jpg?width=275&name=medium_6141737354.jpg)Finding an attorney that can help you with your loan modification is a great way to one-up the banks when trying to protect your home from foreclosure. However, you should not hire an attorney who simply does loan modifications. A licensed attorney must also provide foreclosure defense. The loan modification process alone does not protect you from foreclosure.

## Anyone can submit a loan modification

You don't have to be a lawyer to submit a loan modification to the bank. However, banks can be very selective about which loan modifications they do and don't accept.

\[fa icon="clock-o"\] Tuesday, March 19, 2013  \[fa icon="user"\] [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), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/276670/Finding-a-Loan-Modification-Attorney)

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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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### Lists by Topic

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