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

[![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

## [What's Taking So Long For Your Final Loan Modification Offer?](https://blog.amerihopealliance.com/blog/whats-taking-so-long-for-your-final-loan-modification-offer)

[![](https://blog.amerihopealliance.com/hubfs/images/Hourglass.jpg)](https://blog.amerihopealliance.com/blog/whats-taking-so-long-for-your-final-loan-modification-offer)

You did the hard work of **applying for a loan modification** and making your **trial modification payments**. Congratulations!

After making that last trial payment, the only thing to do is wait for the bank to send you a final modification offer, then you can finally put your foreclosure nightmare behind you forever and move on with life. Right?

Unfortunately, your permanent modification offer may not come right away. Why is that?

## Applying For A Loan Modification

Applying for a loan modification is no easy task. You have to submit a package of documents called a **Request for Mortgage Assistance** or **RMA. ** Often the servicer will require the homeowner to continually resubmit newer versions of the same documents such as bank statements while the application is under review.

\[fa icon="clock-o"\] Wednesday, March 6, 2019  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [trial modification](https://blog.amerihopealliance.com/blog/topic/trial-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/whats-taking-so-long-for-your-final-loan-modification-offer)

## [Ditech Gave This Final Loan Modification Only After a CFPB Complaint Was Filed](https://blog.amerihopealliance.com/blog/ditech-gives-final-loan-modification-after-cfpb-complaint-filed)

[![](https://blog.amerihopealliance.com/hubfs/Save2-506520-edited.jpg)](https://blog.amerihopealliance.com/blog/ditech-gives-final-loan-modification-after-cfpb-complaint-filed)

Getting your **bank's approval for a trial loan modification** is often difficult, but once you get it and make the payments, your permanent loan mod is basically a slam dunk, right?

Wrong.

In some cases it doesn't happen so easily.

A recent client of our firm, who I'll call Mr. Smith to protect his privacy, is a good example of that. **Mr. Smith made his trial modification payments on time and in full, and wasn't offered a final loan modification** like he was promised. Let's look at his story and what lessons can be learned from it.

\[fa icon="clock-o"\] Saturday, August 12, 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), [CFPB](https://blog.amerihopealliance.com/blog/topic/cfpb), [trial modification](https://blog.amerihopealliance.com/blog/topic/trial-modification), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/ditech-gives-final-loan-modification-after-cfpb-complaint-filed)

## [Successful Loan Modification Roundup Week of 7/14/17](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-7-7-17)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Nationstar3.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-7-7-17)

*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 Nationstar, Seterus, Ocwen, PNC, Ditech, PHH, Caliber, and SPS: 

## Nationstar 

Our Nationstar client was 14 months and over $36,978 past due on mortgage, but now has a 3 month Flex Modification trial plan with $359.66 lower monthly payment!

\[fa icon="clock-o"\] Friday, July 14, 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), [trial modification](https://blog.amerihopealliance.com/blog/topic/trial-modification), [caliber loan modification](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification), [PNC loan modification success](https://blog.amerihopealliance.com/blog/topic/pnc-loan-modification-success), [seterus loan modification](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification), [nationstar loan modification](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification), [ditech loan modification](https://blog.amerihopealliance.com/blog/topic/ditech-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-7-7-17)

## [Why Were You Denied A Loan Modification After Making Trial Payments?](https://blog.amerihopealliance.com/blog/why-you-were-denied-a-loan-modification-after-making-trial-payments)

[![](https://blog.amerihopealliance.com/hubfs/JumpGap-834675-edited-255079-edited.jpg)](https://blog.amerihopealliance.com/blog/why-you-were-denied-a-loan-modification-after-making-trial-payments)

Having your application for a mortgage **loan modification** accepted typically means being required to make a series of **trial modification payments** to prove you're able to pay your mortgage again. Passing that test means you're most of the way to your goal to a permanently modified loan.

**But, even after making trial modification payments, some homeowners are still denied a permanently modified mortgage.**

Here are some reasons that could happen:

\[fa icon="clock-o"\] Monday, January 2, 2017  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [trial modification](https://blog.amerihopealliance.com/blog/topic/trial-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/why-you-were-denied-a-loan-modification-after-making-trial-payments)

## [Ditech, Bank of America, and Lost Trial Modification Plan Paperwork](https://blog.amerihopealliance.com/blog/ditech-bank-of-america-and-lost-trial-modification-plan-paperwork)

[![](https://blog.amerihopealliance.com/hubfs/Crush.jpg)](https://blog.amerihopealliance.com/blog/ditech-bank-of-america-and-lost-trial-modification-plan-paperwork)

*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.*

**Karen Reyes** had a problem with the mortgage on her Florida home. *(That's not her real name, but a pseudonym to protect our client's real identity.)* Mrs. Reyes had fallen behind on her mortgage payments after the death of her husband and the bank wanted to foreclose. 

\[fa icon="clock-o"\] Thursday, October 27, 2016  \[fa icon="user"\] [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), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [trial modification](https://blog.amerihopealliance.com/blog/topic/trial-modification), [ditech loan modification success](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification-success) 

[Read More »](https://blog.amerihopealliance.com/blog/ditech-bank-of-america-and-lost-trial-modification-plan-paperwork)

## [With a Trial Modification, You're Almost to Your Goal](https://blog.amerihopealliance.com/blog/a-trial-modification-is-like-parole-for-your-mortgage)

[![](https://blog.amerihopealliance.com/hubfs/Mountain-083461-edited.jpg)](https://blog.amerihopealliance.com/blog/a-trial-modification-is-like-parole-for-your-mortgage)

**If you're at the point in the loan modification process where your loan servicer is asking you to make trial modification payments, then you've almost reached your goal.** But this is no time to take your foot off the gas. You still have a little ways to go before your loan is permanently modified.

Being asked to make trial modification payments is a good thing. It means that your request for modification assistance has been accepted. **You're on your way to achieving your objective.**

But banks don't just approve an application and return your loan to normal servicing like nothing ever happened. **You have to prove that you're able to make the payments, and then you'll be offered a permanent modification.**

\[fa icon="clock-o"\] Friday, May 27, 2016  \[fa icon="user"\] [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 help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [trial modification](https://blog.amerihopealliance.com/blog/topic/trial-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/a-trial-modification-is-like-parole-for-your-mortgage)

[All posts](https://blog.amerihopealliance.com/blog/all)

### 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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