• Success Stories

  • Mortage Lenders
    Successes by Lender and State
    Wells Fargo
    California

    Juan has been approved for a HAMP Tier 1 Modification, payment reduced from $1,638.31 to $845.03, a saving of $793.28, rate reduced from 7.810$ to 2% for Five years, will increase 1% / year until caps at Market Value, also received Principal Forgiveness of $173,013.04

    California

    Sonia began experiencing a financial hardship in 2007 when she was laid off, continuing with a string of temp / contract jobs until this year when offered permanent employment. At the time of receiving a modification offer her loan was over a year and a half past due.

    California

    Valik was approved for an in house Modification, New: $3,674.47, New: $3,649.45, does not include HOI, was brought current after being behindn$38,000.00, 10 mos behind.

    Connecticut

    Jason received a modification, his payment was $832.00 and was reduced to $673.24 a savings of $158.76.

    Colorado

    Senad was approved for an FHA HAMP Modification, Old: $1,468.98, Newt: $1,175.19 (insurance inc.), a saving of $293.79, rate down from 6.5% to 4.25%

    Delaware

    Dana has been approved for a HAMP mod, pmt amt 1070.64 (escrowed), interest rate 4.25, term 320 months.

    Georgia

    Lewis Myrick was approved for a MOD with Wells Fargo. Approved for HAMP With principal forgiveness of $105,143.04. New payment is $776.75 with escrow. Was 11 Months behind.

    Illinois

    Michael and Pamela were approved for a HAMP modification, rate down from 5.75% to 4.25%, File past due by $39,151.74 with 46 months, Foreclosure was suspended.

    Massachusetts

    Bruce was approved for a modification. His payment was previously $2805.02 and was reduced to $2308.70. That’s a savings of $496.32 a month!

    Massachusetts

    Freddie Mac Mod, payment reduced from $2,805.02 to $ 2,308.70 (escrowed), a savings of $496.32 a month, rate also reduced from 6.625% to 4.625%, 20 months past due, a past due balance of $48,988.72, Bruce’s work hours reduced until laid off in fall 2012.

    Mississippi

    The payment was $1180.00 and was reduced to $1004.20, The interest rate was also reduced from 6.0% to 3.875%

    Missouri

    Approved for a proprietary mod pending a 3 month TPP. TPP is from 09.01.2013 to 11.01.2013. Old: $948.23, New: $1372.16, an increase of $423.93 but her interest rate reduced from 6% to 4.875% for 1st 5 yrs then fixed of 5.25% after that.

    Missouri

    George is in the construction business & has had a large decrease of income since 2009. He had received 2 prior modifications in the past, then been declined 2 additional times afterward by his investor. After completing this recent review with our office he was offered another modification offer.

    Nebraska

    DeBorah was approved for a HAMP partial claim Modification, Old: $906.07, New: $696.13, $15,656.45 Interest free, not due until first mortgage is paid in full, Rate down from 7.03% to 4.5%

    New Jersey

    The terms of the loan had been previously modified, already at 2% fixed rate interest & stretched to a 40-year loan. His debt-to-income ratio was also at 28%. Due to not having anywhere for the lender to stretch the terms of the loan, was offered a repayment plan.

    New Mexico

    New: $735.97 (escrowed), Old: $754.47, Int. rate 4.25%, Term 360 mths, Loan is past due for (25 months) $18,570.95. Mod will bring loan current.

    New York

    James was one year delinquent he was approved for a modification with a new payment of $3038.47 and new interest rate of 3.75% fixed (old payment $3146.81 old interest 5.2%

    Pennsylvania

    Terry received a permanent modification agreement that requires him to make payment of $966.49 starting 3/1/2014. The payment was $1184.00 and was decreased to $966.49. That’s a savings of $217.51 per month!

    Texas

    Harold went from his existing payment of $1411.06 and it decreased to $1199.05. This is a savings of $212.01 and this client greatly appropriates the adjustments.

    Utah

    Ted was Approved for in house mod, Payments went from $1414.46 to $1394.00, Current past due is 15,773.54 with 11 months behind.

    Virginia

    Ira received a modification agreement that requires him to make a payment of $908.32 starting 3/1/2014. When the client came to us, his payment was $1439.90.This modification saves him $531.58 every month!

    Texas

    Dana fell a year behind due to some unexpected expenses on her home. Her payment was raised from $968.18 to $986.99, but she was able to save her home from foreclosure.

    Wyoming

    Matthew & Nicole are saving $44.74 each month. Their payment was lowered from $1310.14 to $1265.40.

    Missouri

    Tiffany was paying $506. 71 every month. Now she is saving $33.25 a month with her lower payment of $473.46.

    Virginia

    Delores was originally paying $753.83. She is now saving $153.47 a month with her new payment of $600.36.

    Texas

    Harold fell 19months behind after suffering a reduction in his income. Modification brought him current and lowered his payment from $1375.62 to $1336.11, a monthly savings of $39.51.

    Texas

    Patrick started out paying $920.26 for his mortgage. His payment is now $789.66, saving him $130.60 each month.

    New Jersey

    Elba is saving $321.20 each month with her new payment of $1687 .51. She was originally paying $2008.71.

    Oklahoma

    Mary and Donald fell behind after some medical issues. Their payment was raised from $1329.00 to $1460.63, but they were very happy because they were able to stay in their home and begin making payments once again.

    Mississippi

    William and Erika were paying $840.00 each month. Modification brought them current, and even though their payment was raised slightly to $857.51, they were thrilled to be able to save their home.

    Wisconsin

    Robert fell nearly 3 years behind on his mortgage. Modification brought him current, saved his home from foreclosure, and saves him $43.18 every single month as his payment was lowered from $870.96 to $827.78.

    Florida

    Christopher and Delores were paying $494.92 a month on their mortgage. They are now paying $264.25, saving them $230.67 every month.

    Texas

    Maggie was paying $1555.42 a month, but now is saving $347.46 each month with her new payment of$1207.96.

    Virginia

    Curt and Rebecca were paying $2126.10 a month. Now they are paying $1889.48, saving them $236.62 every month.

    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.

    No Guarantee. These testimonials or endorsements on this website do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter or the scope of services now provided by Consumer Defense. We welcome your legal inquiries and look forward to hearing from you. Please contact us online or at (888) 980-7457 to set up a FREE CONSULTATION.

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