• Success Stories

  • Mortage Lenders
    Successes by Lender and State
    Ocwen
    California

    Alan and Carol went from Original Payment of $2,376.75 to New Payment $1,942.54

    California

    Antonio has been approved for a HAMP modification with the following details due to a hardship of increased expenses and reduced income: New is $2,023.61 (escrowed), Old was $2,563.91, Was brought current. Was behind 30+ months

    California

    Dan came to us with a monthly mortgage payment of $3927.97 at an interest rate of 6.625%. He was just approved for a modification that reduced his payment to $3275.51, saving him $655.46 every month! This modification also took his interest rate down from 6.625% to 5% and brings him current with his lender.

    California

    Patricia was approved for in house Modification. Interest rate will be 2% fixed for the life of the loan. Current past due is $17,707.49 with 8 mos behind. Modification will bring client current. Payment was reduced from $2,107.64 to $1219.98, which is a difference of $887.66

    California

    Old: $1720.00, New: $1241.85 (insurance included), a Savings of $478.15, Old Rate: 5.750%, New Rate: 4.875%, New principle balance: $169,100.00, Discounted amount: $75,414.53, Will be applied over 3 years. Every year she is current she gets the discount.

    California

    Deeanne was approved for an Unemployment Forbearance, she is required to make monthly payments of $243.23 until 4/1/2015, her previous payment was $1837.72 and was reduced to $243.23

    California

    Han’s Settlement Offer – Original Loan Balance of $47,721.50 Settlement Offer: $5,000.00

    Colorado

    Frank was approved for a modification, his monthly payment was previously $1,394.55 and was reduced to $1,193.14, that is a savings of $201.41

    Florida

    Arnim was approved for a HAMP Modification, the rate was reduced from 5.4% to 2.0%, Old: $647.39, New: $184.30, a savings of $463.09, If Arnim pays on time each month for the next three years, there will be a principle forgiveness of $62,288.78

    Florida

    Ricardo was approved for a Streamline Modification, Old: $1,201.17 (escrowed for taxes and insurance), New: $1,092.81 (escrowed for taxes and insurance), saving $108.36 a month.

    Georgia

    Ahman went from his Original Payment of $672.69. Now his New Payment is $358.18

    Georgia

    Patricia was approved for a HAMP modification, New: $603.49 / month at 5.125%, Old: $823.87 / month at $5.768%, a reduction of $220.38 per month. Includes a principal forgiveness of $35,758.32.

    Illinois

    Diana suffered an economic hardship and fell behind on her mortgage. We were able to get her current with a new payment of $621.23 (old $1506.62) client was 12 months past due.

    Illinois

    Richard’s payment was $1933.19 and it decreased to $1746.84. This is a savings of $186.35 and one happy client.

    Indiana

    Ronald was approved for an In-house Modification, Old: $1,639.73, New: $1,414.65, rate reduced from 7.57% to 2.0%. Will increase to 4.12% after five years and stay there till maturity of loan.

    Louisiana

    Michael received a trial plan and is extremely happy with his plan. Their current payment was $799.02 and new trial payment is $347.36 which is a savings of $451.66.

    Maryland

    Dale and Lucia were approved for a HAMP Tier 2 Mod, Old: $1,551.01, New: $1,281.18 (escrowed), Mod brought file current, and also received a Principle forbearance of $57,454.97

    Massachusetts

    Joao suffer financial problems that cause him to fall behind on his mortgage. He was able to received a Modification. Payment went from $3,061.98 to $1,477.01, a savings of $1,584.97 a month.

    Michigan

    Old: $819.33, New: $ 792.83 (insurance included), Old Rate: 7.750%, New Rate: 5.37%

    Michigan

    New: $879.35 (escrowed), Old: $1,345.06, that is a savings of $465.71 each month, and a savings of $223,540.80 over the life of the 480 month (40 year) loan. New rate: 4.625%, Old rate: 7.750%

    Michigan

    James and Barbara were approved for a Modification, Old: $827.97 to, New: $345.19, Client is accepting and has already made her 1st payment. The loan was 7 months past due, and was brought current with the Modification

    Michigan

    Winnie received a modification agreement that required her to make 1 payment of $337.98 and this was already done. As a result this loan is completely modified and current and due for August 1 2013. The payment was $756.15 and the payment was reduced to $337.98 and this is a savings of $418.17 per month.

    Minnesota

    Steven was approved for an in-house mod., Old: $1,092.01 (escrowed for taxes and insurance), New: $908.50 (escrowed for taxes and insurance), a savings of $183.51 a month, rate stayed at 2.0%

    Missouri

    George was more than 3 years past due he was approved and brought current with a new payment of $632.08 (old payment $806.06).

    Missouri

    Joe received a modification agreement that requires her to make payment of $774.17 for 3 months starting 11/01/2013. The payment was $1,051.94 and was reduced to $774.17. This is a savings of $277.77 per month.

    New York

    Gregory was approved for a Discount Payoff on his Second Mortgage with Ocwen. In the amount of $3,500.00 by 4/14/2014. His balance with Ocwen was previously $54,700.74 and they are settling the debt for $3,500. That is roughly 0.06 on the dollar!

    North Carolina

    Josephine has been approved for an In House Modification with Ocwen, New: $739.67 (escrowed), Fixed rate 2.00375%

    Ohio

    Rhonda has been approved for a HAMP modification; Payment went from $1,346.48 to $803.91 (escrowed), a savings of $542.57, Int. Rate went from 6% to 2%, Principal Forgiveness of $49,182.35

    Oklahoma

    Wonda was approved for a Home Affordable Modification with a monthly payment of $269.65. Her old payment was $541.00, saving her $271.35 every month! Her new interest rate is 2% and her principal balance has been reduced by $34,196.77!

    Pennsylvania

    David was experiencing a financial hardship after not receiving a raise with his job for the past 5 years and also having a spouse who was not employed every year from June – August.

    Pennsylvania

    Richard has been approved for HAMP Tier 2 mod w/the following details: Payment went from $1,978.88 to $1,463.16 (escrowed), a savings of $515.72 a month.

    Texas

    Wes came to us with a very difficult file. We were very successful in fixing all escrow problems and obtained an offer with a payment reduction of $408.85 per month and a total principle forgiveness of $222,231.31 over 3 years.

    Tennessee

    John has been struggling to keep up with his payment until he found Preferred Law and was able to received a Modification. Payment went from $1,223.85 to $934.41, a savings of $289.44 a month.

    Tennessee

    Gregory was approved on for a HAMP Mod, payment was reduced from $1035.72, to $843.56, Greg was unemployed for a year due do medical conditions.

    Tennessee

    Paul and Julia approved for HAMP Tier 2 Mod, payment reduced from $2,477.67 to $1,423.05 (escrowed for taxes and insurance), a saving of $1,054.62, rate reduced from 8.27% to 4.625%

    Texas

    Edna was experiencing a financial hardship since 2006 with becoming behind with property taxes. She liquidated all of her financial assets, but became behind with her mortgage loan late 2012. A modification offer has been offered by her lender.

    Texas

    New: $849.21, 2.00457% IR for life of the loan, 12 payments behind currently, Current loan has a balloon payment at maturity. This mod no longer has balloon payment.

    Texas

    Sterling has been approved for a HAMP, Old: $1,694.26, New: $875.39, savings of $818.87, rate was reduced from 6.350% down to 2%. Sterling also received a Principal Reduction of $55,900.00. The Modification brought the loan current after being passed due for 75 payments for a total of $134,434.09

    Utah

    Michael is very happy with his new approval.

    Utah

    John received a modification agreement requiring him to make a payment of $930.21 for 3 months from 9/1/2013 to 11/1/2013. The payment was $935.63 & the payment was reduced to $935.63

    Utah

    Elizabeth received a modification agreement that requires her to make payment of $834.57 for 3 months starting 09/01/2013. The payment was $1104.98 and was reduced to $834.57. This is a savings of $270.41 per month. The client is happy with the mod and has made the first payment

    Utah

    John received a modification agreement that requires him to make a monthly payment of $888.48 starting 4/1/2014. His payment was $935.63 and was decreased to $888.48. John was 18 months behind on his mortgage payments and this modification will bring him current.

    Utah

    John M. has been approved for an In House mod: 677.68 is the new pmt amt, Currently past due for $8177.41, Int Rate 2%, Term 270 mths.

    Utah

    John was approved for a HAMP Mod, Old: $935.63, New: $1090.70(escrowed), file was $21,677.31 and 18 months past due.

    Virginia

    Kiflai received a modification agreement that requires him to make payment of $913.72 for 3 months. The payments were $1,987.11 for a savings of $1,073.39 per month. The client is happy with the mod and will be able to honor this agreement!

    Washington

    Payments of $1719.08, down from $1879.41, a savings of $160.33 per month. Old rate: 7.125%, new rate: 4.389%. If he makes his new payment on time for the next 3 years, he will receive a principle reduction of $115,362.89. Client is very happy with the offer!

    Maryland

    John fell behind nearly 2 years after experiencing some financial troubles. His payment did increase from $979.07 to $1385.28, but he was happy to be able to save his home from foreclosure.

    Kansas

    Tammi modified her second mortgage due to a reduction in her income. Her payment fell to $47.06 from $137.94, saving her $90.88 each month. This is a monthly payment reduction of 65.8%!

    Tennessee

    Latonja fell 19 months behind after suffering some serious medical problems. Her modification lowered her payment from $1487.78 to $1273.14, saving her $214.64 every month.

    Florida

    Theresa fell over 3 years behind due to some financial struggles. Her payment was lowered from $779.01 to $390.46, saving her $388.55 each month. This is a monthly savings of nearly 50%!

    Virginia

    Cesar was paying $4689.93 on his mortgage. He fell behind over 4 years due to financial struggles. Modification brought him current and lowered his payment to $3156.25, saving him $1533.68 every month.

    Tennessee

    John had an original payment of $1223.85. Modification lowered his payment to $934.41, saving him $289.44 every month.

    Indiana

    Gregory is saving $520.62 each month. His payment fell from $1291.00 to $770.38.

    Maryland

    Leroy fell over a year behind after separating with his wife. His payment was originally $2471.29. Modification brought him current, and raised his payment slightly to $2483.94. He was happy to be able to save his home from foreclosure.

    New Jersey

    Jeams fell over 2 years behind on his mortgage. His payment was raised from $2430.22 to $2591.65, but was able to save his home from foreclosure and remain living there.

    Michigan

    Timothy’s payment was originally $872.83. Now he saves $182.45 each month with is payment of $690.38.

    Alaska

    William fell 14 months behind due to some unexpected expenses. His payment was raised from $1131.71 to $1245.16, but he was happy to be able to remain in his home.

    Ohio

    Luther had an interest rate of 3.0% and a payment of $582.00. He now has a payment of $556.69, and an interest rate of 2.75%.

    Florida

    Barbara was paying $1557.48 a month, but is now paying only $561.99. This is a monthly savings of $995.49, which is roughly 64%!

    Iowa

    Cama was able to save $312.97 each month when her payment was lowered from $883.67 to $570.70.

    Washington

    Gary started out paying $1747.23. After some serious medical issues caused him to fall nearly 4 years behind, he was thrilled to be able to make payments again, and was even more excited that his payment was lowered to $1019.64, saving him $727.59 each month.

    Ohio

    Helen fell 2 and a half years behind on her mortgage. Her payment was raised from $734. 74 to $859.68. She was thrilled to be able to make payments again and save her home for foreclosure.

    Nevada

    David was paying $1555.89 a month on his mortgage. He is now saving $464.36 every month with his new payment of $1091.53.

    Montana

    Marta was paying $893.72 each month, but is now paying $423.12. This is a savings of $470.60 a month, which is over 50% of her original payment!

    These testimonials or endorsements do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.

    Attorney Loan Modifications is not affiliated with the government, and our service is not affiliated by the government or your lender. 16 CFR 322.4(a)(1). The information provided in connection with foreclosure defense on this website should not be construed as legal advice. Past performance is not indicative of future results. While this firm will be working on your case ancillary work may be performed by other attorneys.

    Loan Modifications and Federal Services. In order to comply with various federal and state laws, Consumer Defense may only submit a Qualified Written Request pursuant to federal law, including the Truth in Lending Act (TILA) 15 U.S.C. § 1601, et seq., the Fair Debt Collection Practices Act (FDCPA) and the Real Estate Settlement Procedures Act (RESPA), codified as Title 12 § 2605 (e)(1)(B) and Reg. X § 3500.21(f)2 of the United States Code, and provide federal review and monitoring of the client’s file for federal compliance (not state) purposes. Other than providing federal support as stated above, Consumer Defense cannot and will not assist with loan modifications, debt negotiation, and similar services. All loan modification, debt negotiation, and similar services, if any, will be submitted to Consumer Defense or other qualified non-profit corporation or local attorney.

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