--- title: Foreclosure and Loan Modification Blog | loan modification (6) description: loan modification | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (6) --- [![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 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) ## [Successful Loan Modification Roundup Week of 11/24/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-24-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_WellsFargo.jpg)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-24-17) *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 Wells Fargo, Loancare, SunTrust: ## Wells Fargo  Our Wells Fargo client was $31,920 past due with summary judgment entered and a foreclosure sale date set, but now has a final loan modification and has avoided foreclosure! \[fa icon="clock-o"\] Saturday, November 25, 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), [suntrust loan modification](https://blog.amerihopealliance.com/blog/topic/suntrust-loan-modification), [loancare loan modification](https://blog.amerihopealliance.com/blog/topic/loancare-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-24-17) ## [Are You Sending The Same Documents For Your Loan Modification?!](https://blog.amerihopealliance.com/blog/why-do-you-have-keep-sending-in-the-same-documents-for-your-loan-modification) [![](https://blog.amerihopealliance.com/hubfs/DrownPaperwork.jpg)](https://blog.amerihopealliance.com/blog/why-do-you-have-keep-sending-in-the-same-documents-for-your-loan-modification) One of the most common complaints from homeowners trying to get a loan modification is that they have to **keep sending documents that they've already submitted to their loan servicer**. In desperate need of a loan modification to save their home and avoid foreclosure, they are stuck in a sea of paperwork, bureaucracy, and uncertainty that seems like it will never end. ## **Why does this happen?** Borrowers who want a loan modification are required to submit an application to their loan servicer, called a **request for mortgage assistance (RMA)**, that includes many financial documents. \[fa icon="clock-o"\] Monday, November 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), [loan modification application](https://blog.amerihopealliance.com/blog/topic/loan-modification-application) [Read More »](https://blog.amerihopealliance.com/blog/why-do-you-have-keep-sending-in-the-same-documents-for-your-loan-modification) ## [Mistake By Loan Servicer Drives IL Homeowner Into Foreclosure](https://blog.amerihopealliance.com/blog/loan-servicer-error-drives-il-homeowner-into-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/images/Wrong2.jpg)](https://blog.amerihopealliance.com/blog/loan-servicer-error-drives-il-homeowner-into-foreclosure) Normally **people fall into foreclosure because they don't have enough money** to pay their mortgage. But sometimes it's a **mistake from the mortgage servicer**, not any fault of the borrower, that puts someone into foreclosure. That's the case for a recent client of our firm, who I'll call **Ms. Craig** to protect her privacy. Ms. Craig is a school teacher who has owned a home near Chicago, Illinois since 2002. For nearly a decade and a half things went pretty smoothly with her home and finances. Then in 2016, Ms. Craig filed for **Chapter 7 bankruptcy** to deal with some debt that was not related to her mortgage. Her home was not included in the bankruptcy and she continued to make her mortgage payments during bankruptcy. ### Mortgage Servicer Changed Also in 2016, the **servicing rights to Ms. Craig's mortgage were transferred from Loan Care to Freedom Mortgage**. It's a servicer's right to sell the servicing rights to another company if they wish, and the borrower has no say in it. Servicing is supposed to continue as normal during and after the transfer, but that's not what happened in Ms. Craig's case. \[fa icon="clock-o"\] Saturday, November 18, 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), [freedom mortgage loan modification](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/loan-servicer-error-drives-il-homeowner-into-foreclosure) ## [Successful Loan Modification Roundup Week of 11/17/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-17-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Ocwen7.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-17-17) *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, Nationstar, SunTrust, Flagstar, Carrington, and Roundpoint: ## Ocwen Our Ocwen client was an incredible 87 months and $168,320 past due on  his mortgage with a foreclosure sale date set. Now he has a permanent loan modification with interest rate slashed nearly in half, $202.63 lower monthly payment, $100,756.60 principal forgiveness, and $188,317.97 deferred balloon payment! \[fa icon="clock-o"\] Friday, November 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), [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), [nationstar loan modification](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification), [roundpoint loan modification](https://blog.amerihopealliance.com/blog/topic/roundpoint-loan-modification), [suntrust loan modification](https://blog.amerihopealliance.com/blog/topic/suntrust-loan-modification), [flagstar loan modification](https://blog.amerihopealliance.com/blog/topic/flagstar-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-17-17) ## [Successful Loan Modification Roundup Week of 11/10/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-10-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Seterus7.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-10-17) *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: ## Seterus Our Seterus clients were a whopping 91 months and $265,701 past due on their mortgage, now they have a 3-month trial loan modification with $471.89 monthly savings! \[fa icon="clock-o"\] Friday, November 10, 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), [seterus loan modification](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification), [phh loan modification](https://blog.amerihopealliance.com/blog/topic/phh-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-10-17) ## [Why Haven't You Gotten a Loan Modification Yet?](https://blog.amerihopealliance.com/blog/why-havent-you-gotten-a-loan-modification-yet) [![](https://blog.amerihopealliance.com/hubfs/images/Memes/Skeleton-238787-edited.jpg)](https://blog.amerihopealliance.com/blog/why-havent-you-gotten-a-loan-modification-yet) You desperately **need a loan modification to avoid foreclosure and keep your home**, but you haven't gotten one yet. Why? There are two big reasons people don't get a loan modification when they need one. One is that **they mistakenly think that they can't qualify.** The other is that they try to apply, but the process is frustrating and they give up or fail. What you don't know can hurt you, and some homeowners simply **don't know what they need to about loan modifications** or they believe things that are incorrect. Let's take a closer look at how this happens, what the real facts are, and what you can learn from other people's mistakes to **get the results you want**. \[fa icon="clock-o"\] Saturday, November 4, 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) [Read More »](https://blog.amerihopealliance.com/blog/why-havent-you-gotten-a-loan-modification-yet) ## [Successful Loan Modification Roundup Week of 11/3/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-3-17) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Shellpoint2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-3-17) *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 Shellpoint and Guaranteed Rate: ## Shellpoint Our Shellpoint client was an unbelievable 100 months and $110,995+ past due on her mortgage with 9% interest rate, now she has a 3 month in-house trial loan modification plan with a fresh start! \[fa icon="clock-o"\] Friday, November 3, 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), [shellpoint loan modification](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification), [guaranteed rate loan modification](https://blog.amerihopealliance.com/blog/topic/guaranteed-rate-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-11-3-17) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/topic/loan-modification/page/5) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/loan-modification/page/7) ### 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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