Loan Modification Case Results



**Featured Modifications** (Click Here)
 


**Featured Modifications**

Lender: MorEquity - [ID: #0001](Click Here To View PDF)
Before: Borrower was $6,211.75 (5 months) past due. Interest rate was 5.75% and monthly payment was $1,202.35 PITI.
 

After: Borrower's new payment is $687.83 PITI ($514.52 savings). New interest rate is fixed at 2.00% for the first 5 years, 3.00% the 6th year, 4.00% the 7th year, and 4.25% for the remaining life of the loan.


Lender: Space Coast Federal Credit Union - [ID: #0001](Click Here To View PDF)
Before: Borrowers were $11,432.14 past due and they had a 6.25% interest rate loan with a monthly payment of $2,396.02.

After: Borrower's new payment is $1,584.23 PITI ($811.79 savings). Their new interest rate is fixed at 2.00% for the first 5 years, 3.00% the 6th year, 4.00% the 7th year, and 4.50% for the remaining life of the loan.


Lender: NationPoint - [ID: #0001](Click Here To View PDF)
Before: Borrower was 7 months past due. She had an adjustable rate mortgage with a monthly payment of $2,470 PITI and an 8.25% interest rate.
Trial Loan Modification: Three month trial plan with payments of $1,475.66, saving $991.47 per month (more than 50%).
Final Loan Modification: Borrower's new payment is $1,475.57 PITI ($994.43 savings). Loan was converted to a fixed rate at 2% for the first 5 years, 3% the 6th year, 4% the 7th year and 4.375% the 8th year and for the life of the loan.

Lender: SPS - [ID: #0003](Click Here To View PDF)
Before: Borrower is 6 months behind, with monthly PITI payments of $1,552.09, 9.6% fixed interest rate, with $8,062 past due. Loan balance is $145,256.20
After: New monthly payment is ZERO ($0). SPS has accepted a settlement in the form of one $3,500 payment. Borrower no longer has to pay their mortgage. Wow!

Lender: GMAC - [ID: #0003](Click Here To View PDF)
Before: 2nd Mortgage: Monthly payment $818.68. Past due 6 months ($5,212.08), interest rate 10.85%. Balance of $90,987.19.
After: New payment $0.00. Loan settled for one payment of $7,000.00.

Lender: GMAC - [ID: #0015](Click Here To View PDF)
Before: Borrower was over $10,000 (7 months) past due. Monthly payments were $1,602.32 on a 6.25% interest rate loan. Property had a Foreclosure Sale Date of 2/11/11. .
After: Borrower received a final modification with a new payment of $1,137.84 and a 4.25% fixed interest rate for the life of the loan. The Sale Date was canceled and the past due monies were placed at the back of the loan.

Lender: Wells Fargo - [ID: #0016](Click Here To View PDF)
Before: Borrower was one month past due. Monthly PITI payment was $1,313.00, with 8.75% interest.
Trial Loan Modification: Three month trial plan with monthly payments of $939.00, monthly savings of $376.60
Final Loan Modification: Borrower completed Trial plan and Final Modification is granted. New monthly PITI payment is $995.31 with fixed 4.875% interested. Monthly savings of $317.69.

Lender: Chase Home Finance - [ID: #0004](Click Here To View PDF)
Before: Previous interest rate 6.875%. PITI payment was $3,114.66, borrower was 4 months behind.
Trial Loan Modification: New payment for 3 month trial plan $2,430.96, saving $683.70 per month. After this trial plan, the loan modification will be finalized.
Final Loan Modification: New interest rate is 2.0% for 5 years with PITI payments of $2,358.28, saving $756.38 per month. For the 6th year, interest rate is 3.0%; 7th year 4.0%. In the 8th year and for the remaining life of the loan, interest rate becomes a fixed 4.75%.


American Home Mortgage Servicing Loan Modifications

Lender: American Home Mortgage Servicing - [ID: #0001](Click Here To View PDF)
Before: Rate of 9.00%, mortgage payment of $857.00 (principal and interest). Client was 3 months behind on his payments and had $2,914.15 past due to the lender.
After: For the first year, the interest rate was lowered to 4% with a monthly payment of $538.83 (principal and interest). For the second year the interest rate will be 5% with a monthly payment of $599.74 (principal and interest). For the third year the interest rate will be 6% with a monthly payment of $662.08 (principal and interest). For the fourth year and the remaining term of the mortgage the interest rate will be 7.00% with a monthly payment of $725.52 (principal and interest).

Lender: American Home Mortgage Servicing - [ID: #0002](Click Here To View PDF)
Before: Borrower had a sale date. Owed $22,595.98 since 5/1/2008. interest rate was 9.99% monthly payment was $1,015.16 with taxes and insurance.
After: New interest rate: 3.0% 1st year, 3.25% 2nd year, 5.25% for third, 7.25% for the life of the loan after 4th year. New payment $731.75 for the first year. Saving $283.41 a month.

Lender: American Home Mortgage Servicing - [ID: #0003](Click Here To View PDF)
Before: Borrower was 5 months behind, in foreclosure, 7.806%, Option ARM program. PITI payment $2,403.80.
After: PITI payment $1,284.19. First payment due July 1. First year interest rate 2%, 2nd year 2.5%, third year and for the life of the loan 4%. Saving $1,119.61. No good faith deposit required.

Lender: American Home Mortgage Servicing - [ID: #0004](Click Here To View PDF)
Before: Borrower was 6 months behind, owing $3,800 in late fees and payments.  Adjustable 9.75% interest rate.
After: Fixed 5.47% for the life of the loan. New P&I payment $414.47. Saving $92.53 per month. First payment September 1, 2009.

Lender: American Home Mortgage Servicing - [ID: #0005](Click Here To View PDF)
Before: 1st mortgage: $1,643.77 monthly, 7.99% interest rate, escrows included. 2nd mortgage: $496.76, 11.70%.
After: 1st mortgage: 5.5% for the first year, $1,312.22 with escrows. 2nd mortgage: $362.99.

Lender: American Home Mortgage Servicing - [ID: #0006](Click Here To View PDF)
Before: Previous payment $2,462.77. With escrows, total payment of $3,152.24.
After: New payment is $1,435.88. With escrows total, $2,125.35.

Lender: American Home Mortgage Servicing - [ID: #0007](Click Here To View PDF)
 
 

Lender: American Home Mortgage Servicing - [ID: #0008](Click Here To View PDF)
 
 

Lender: American Home Mortgage Servicing - [ID: #0009](Click Here To View PDF)
 
 

Lender: American Home Mortgage Servicing - [ID: #0010](Click Here To View PDF)
 
 

Lender: American Home Mortgage Servicing - [ID: #0011](Click Here To View PDF)
 
 

Lender: American Home Mortgage Servicing - [ID: #0012](Click Here To View PDF)
Before: Original payment $2,077.77 PITI with 9.875% adjustable interest rate. Property is 11 months past due, owing more than $30,000 and in foreclosure.
After: Making Home Affordable 3 month trial plan to modify. New payment is $1,117.55 PITI with $960.22 savings per month.

Lender: American Home Mortgage Servicing - [ID: #0013](Click Here To View PDF)
Before: Current payment is $1,807.78 PITI, with fixed 5.50% interest rate. Currently past due 7 months, owing $15,793.00, property in foreclosure.
After: Home is saved from forclosure! Granted a 3 month trial plan with payments of $1,548.35 PITI, saving $259.43 per month.
Lender: American Home Mortgage Servicing - [ID: #0014](Click Here To View PDF)
Before: Past due over $40,000.00. Monthly PITI payments were $1,427.24 with 10.65% adjustable interest rate.
After: Approved for a traditional modification with 5.00% fixed interest rate and new monthly PITI payment is $801.64.

Lender: American Home Mortgage Servicing - [ID: #0015](Click Here To View PDF)
Before: Borrower was 6 months past due with an adjustable interest rate of 3.371% and monthly PII (principal, interest and insurance) payment of $4,228.64.
After: Borrower received a traditional modification to a fixed 2% interest rate the first two years and a monthly PITI payment of $4,768.55. By 5th year interest rate will be locked at 4% for the life of the loan. The original term was extended 10 years and the past due amount was added to the back of the loan. AHMSI did not request any additional contribution from the borrower.

Lender: American Home Mortgage Servicing - [ID: #0016](Click Here To View PDF)
Before: Borrower was more than 24 months past due, owing $33,403.81, and had a foreclosure sale date. Borrower had a fixed interest rate of 6.95% and a monthly P&I payment of $1,383.88.
After: Borrower's sale date was canceled, no contribution was required and borrower was granted a permanent modification. New interest rate will begin at 2% and step-up 1% per year until the 5th year when the interest rate will be fixed at 5.06% for the remaining life of the loan. New monthly payment is $1,141.68 ($242.20 savings per month) and the past due balance was added to the back of the loan.

Lender: American Home Mortgage Servicing - [ID: #0017](Click Here To View PDF)
Before: Borrower was $10,031.20 past due (not including $3,485.51 escrow shortage and fees) and his monthly payment was $1,973.67 PITI with an interest rate of 10.890%.
After: Borrower has new payment of $1,090.22 PITI ($883.45 savings) with an interest rate of 2.000% for the first 5 years, 3.00% the 6th year, 4.00% the 7th year and 4.50% the 8th year and for the life of the loan.

Lender: American Home Mortgage Servicing - [ID: #0018](Click Here To View PDF)
Before: Borrower was $15,056.30 past due with a monthly payment of $3,168.95 PITI and an interest rate of 6.650%.
Trial Loan Modification: Borrower was approved for a 3 month trial plan in the amount of $2,038.31 per month. Temporary savings of $1,130.64 per month.

Final Loan Modification: Permanent monthly payment is $2,038.67 PITI ($1,130.28 savings) with fixed 2.560% interest.


Lender: American Home Mortgage Servicing - [ID: #0019](Click Here To View PDF)
Before: Borrower was $12,863.95 past due on her 9.87% interest rate loan and monthly payment was $1,969.10 PITI.
After: Borrower's new payment is $1,193.97 PITI and new interest rate is 2.00% for first 5 years, 3.00% the 6th year, 4.00% the 7th year, and 4.375% for the remaining life of the loan. All past due amounts were placed at the back of the loan.

Lender: American Home Mortgage Servicing - [ID: #0020](Click Here To View PDF)
Before: This AHMSI loan was in foreclosure with an impending sale date. The homeowners were past due $21,821.52, with a monthly mortgage payment of $1,133.60 PITI and a 8.875% ARM interest rate.
After: Approved for a permanent loan modification and the sale date was canceled. New monthly mortgage payments are $1,039.57 PITI and a fixed interest rate of 5.125%.


America's Servicing Company Loan Modifications

Lender: ASC - [ID: #0001](Click Here To View PDF)
Before: Payment with escrow $1,876.14, 9.2%, borrower was 5 months behind owing $9,380.70.
After: New payment is $1,394.56, interest rate reduced to 5.125% fixed for 30 years, added the delinquent amount to the principal balance, starting fresh.

Lender: ASC - [ID: #0002](Click Here To View PDF)
Before: Property was in foreclosure, due for 11/2008, payment $1,278.01, 8.09% rate.
After: New interest rate 5% for life of loan, new payment $1,240.04, no good faith deposit required.

Lender: ASC - [ID: #0003](Click Here To View PDF)
Before: 10.24%, 5 months past due, P&I payment $788.17.
After: 6.0% fixed for the life of the loan , PITI $671.39, first payment due 08/01/2009, good faith deposit of $173.89.

Lender: ASC - [ID: #0004](Click Here To View PDF)
Before: 6 Months behind, interest rate 8.625%, PITI payment $1313.58.
After: New PITI payment $1172.00, interest rate 7.0% Saving $141.58/month for the life of the loan.

Lender: ASC - [ID: #0005](Click Here To View PDF)
Before: Payment of $3,099, ARM. Borrower was $9,935.00 past due.
After: New payment $2,702.06 for 3 month trial plan. Savings of $397.00 per month. After success of trial plan, final modification will be granted.

Lender: ASC - [ID: #0006](Click Here To View PDF)
Before: Monthly payment of $2,276.61, past due $27,983. Active foreclosure.
After: New payment $2,091.52 for 3 month trial plan. Foreclosure is placed on HOLD upon receipt of first payment. A final modification will be granted after 3rd payment is submitted.

Lender: ASC - [ID: #0007](Click Here To View PDF)
Before: 9 Months and $16,416.11 behind. PITI payment $1,601.79, 9.875%, property was in foreclosure.
Trial Loan Modification: Trial modification, 3 months payment of $1277.18. Once trial plan is completed, permanent modification will be performed.
Final Loan Modification: New payment with escrows is $1,382.72 PITI, 1st payment due in 3 months, new maturity date is 5 years sooner, in 2035 instead of 2040, 6.5% fixed interest for the life of the loan. A SAVING OF $227,064.40 over the life of the loan!!

Lender: ASC - [ID: #0008](Click Here To View PDF)
 
 

Lender: ASC - [ID: #0009](Click Here To View PDF)
 
 

Lender: ASC - [ID: #0010](Click Here To View PDF)
Before: Previous interest rate 5.25% fixed, ITI $2560.46, 2 months past due. This payment was Interest, Taxes and Insurance only.principal
After: Approved for permanent modification reducing interest rate to 4% for the life of the loan, first payment not due until 10/1, payment is increasing to $3044.74 by $484.28 a month but the payment is now Principal and Interest.

Lender: ASC - [ID: #0011](Click Here To View PDF)
 
 

Lender: ASC - [ID: #0012](Click Here To View PDF)
Before: Monthly payment of $1,462.85, principal and 9.875% interest. Homeowner was 8 months behind on payments, owing $19,373.44. Property was in foreclosure.
After: New fixed interest rate of 6% for 315 months(26 years) and new monthly payment is $1212.30. Borrower is responsible for a good fait deposit of $1,830.82. Saving $250.55 per month, and a total of $78,923.25 over the life of the loan. Foreclosure was stopped and the borrower is able to keep his home.

Lender: ASC - [ID: #0013](Click Here To View PDF)
Before: Property was in foreclosure, 14 months past due, owing $51,650.34. Monthly PITI payment was $3,689.31 with 9.5% interest rate.
After: Property was saved from foreclosure and approved for 3 month trial plan with monthly payment of $1,992.76. Saving $1,696.55 per month.

Lender: ASC - [ID: #0014](Click Here To View PDF)
Before: Property was in foreclosure, 4 months past due. Monthly payment was $2,961.70 principal and 6.0% interest rate.
After: Three months trial plan, monthly payment of $1,676.31, saving $1,285.39 per month.

Lender: ASC - [ID: #0015](Click Here To View PDF)
Before: Borrower was 6 months past due, owing $12,250.86 plus attorney fees. Monthly payment was $2,041.81 with 6.15% interest rate. Property in foreclosure.
After: Three month trial plan approved. Monthly payments $1,747.63, saving $294.18 per month and saving the home from foreclosure.

Lender: ASC - [ID: #0016](Click Here To View PDF)
Before: Borrower was 7 months past due, owing $15,653.03 and in foreclosure.
After: Approved for a 3 month trial plan toward modification, with PITI payment of $1,099.98. Monthly savings of $653.10.

Lender: ASC - [ID: #0017](Click Here To View PDF)
Before: Borrower was 3 months behind owing $8,946.21 with an adjustable interest rate of 8.875% and monthly PITI payments of $2,988.07.
After: Final modification with new PITI payment of $1,457.43 fixed 2.750% interest rate. Saving $1,530.64 per month for the life of the loan! Wow!

Lender: ASC - [ID: #0018](Click Here To View PDF)
Before: Monthly payment was $2,661.19 principal and interest only with adjustable 7.125% interest. Borrower was past due $12,481.89.
After: Approved for permanent modification with monthly payments of $2,010.31 with 5.12% fixed interest rate for the life of the loan. First payment not due until April 2010. Borrower saving $650.88 per month.

Lender: ASC - [ID: #0019](Click Here To View PDF)
Before: Borrower was 7 month past due with monthly P&I payments of $1,450.50,foreclosure proceedings had been started.
After:Borrower received a 12 month forbearance plan with payments reduced to $1,230.68 ($219.82 savings per month). A good faith deposit of $1,450.50 was required by ASC.

Lender: ASC - [ID: #0020](Click Here To View PDF)
Before: Borrower was $86,211 (40 months) past due, not including attorney and late fees. He was in foreclosure and had a sale date. His monthly payment was $1,879.46 PI.
After: Borrower was brought current. New payment is $1680.59 PI ($198.87 savings) and only had to give the lender a $350.62 upfront fee.

Lender: ASC - [ID: #0021](Click Here To View PDF)
Before: Borrower was 2 months late paying the mortgage, with a monthly mortgage payment of $4,142.20 PITI and a 6.375% adjustable interest rate on an ARM loan.
After: Borrower received a final loan modification with a new monthly mortgage payment of $2,160.46 PITI (monthly savings of $1,981.74) and a 5.00% fixed interest rate.

Lender: ASC - [ID: #0022](Click Here To View PDF)
Before: Borrower was 24 months past due, owing more than $131,468.00. He had a 6.30% interest rate and a high monthly mortgage payment of $5,565.16 PITI.
After: Borrower received a 3 month HAMP trial plan. His new monthly payments are $3,436.75 PITI, saving $2,128.41 each month! After three months, the loan modification will be made permanent.


Aurora Loan Modifications
Lender: Aurora - [ID: #0001](Click Here To View PDF)
Before: Payment $2,656.80, borrower was 6 months past due $15,940.80. Property in foreclosure.
After: Forbearance plan for 3 months, payments of $816.97 starting on June 1st, after 3 month plan is satisfied Aurora will modify to this payment or close to it.

Lender: Aurora - [ID: #0002](Click Here To View PDF)
Before: Previous payment $1,215.23, no escrow.
After: New payment $632.40, escrows included. 3 Month trial period under Homeowner Affordability and Stability Plan.

Lender: Aurora - [ID: #0003](Click Here To View PDF)
Before: Mortgage payment was $1,341.61.
After: Trial plan payment is $957.12 while the case is being reviewed for permanent modification.

Lender: Aurora - [ID: #0004](Click Here To View PDF)
Before: Payment was $1,351.17, 3 months past due, total of $4,053.51 owed to lender.
After: 3 Month forbearance plan. Payments of $1,036.53. After successful 3 month plan, modification will be the same or close. Saving $314.64 per month.

Lender: Aurora - [ID: #0005](Click Here To View PDF)
Before: 11 months past due, owing $9.567.97. Property was in foreclosure. Interest rate 7.375&, payment $900.05.
After: Approved for 3 month trial plan. First month $1,633.98, second and third payment of $869.24. Modification to be negotiated with successful trial plan. Home saved from foreclosure.

Lender: Aurora - [ID: #0006](Click Here To View PDF)
 
 

Lender: Aurora - [ID: #0007](Click Here To View PDF)
 
 

Lender: Aurora - [ID: #0008](Click Here To View PDF)
Before: This investment property was 11 months behind in payments. Borrower owed $31,620.49 and was in foreclosure. Payments were $2,874.59 PITI with 9.25% interest.
After: A special forbearance plan is granted into a modification for 6 months. From October 1- March 1, the PITI payment is $1,270.57, after these 6 payments, a permanent modification will be processed.

Lender: Aurora - [ID: #0009](Click Here To View PDF)
Before: Borrower was past due $15,089.83 with monthly payments of $1,547.72 PITI.
After: Three month trial plan with a new monthly payment of $1,039.22 PITI saving $508.50 per month.

Lender: Aurora - [ID: #0010](Click Here To View PDF)
Before: Borrower was only 1 month, $1,911.16, past due.
After: Special forbearance plan with 6 payments of $1,672.26 PITI.

Lender: Aurora - [ID: #0011](Click Here To View PDF)
Before: Borrower was 5 months behind, owing $7,053.21. Monthly payment of $786.26
After: Special forbearance into modification plan for 6 months. New payment of $492.00. After 6 payments, modification will be finalized.

Lender: Aurora - [ID: #0012](Click Here To View PDF)
Before: Borrower was 10 months behind, owing $82,000.00. Property in foreclosure. Monthly PITI payment was $7,959.59
After: Special forbearance into modification plan for 6 months. New payment of $4,959.61. Monthly savings of $3,000.00. WOW! After 6 payments, modification will be finalized.

Lender: Aurora - [ID: #0013](Click Here To View PDF)
Before: Borrower is 6 months past due owing $9,373.22 plus attorney and late fees. PITI payment was $1,426.34 with 7.875% ARM interest rate.
After: Sale date has been cancelled. Approved for 3 month trial plan with monthly payments of $1,251.35. No good faith deposit required.

Lender: Aurora - [ID: #0014](Click Here To View PDF)
Before: Borrower was 7 months past due, owing $18,198.02 with a posted sale date. Monthly PITI payment of $2,461.60.
After: Six month special forbearance plan to modificiation with payments of $1,715.00, saving $746 per month. Final modification will be completed after 6 months. Wow!

Lender: Aurora - [ID: #0015](Click Here To View PDF)
Before: Monthly payment was $2,115.20, borrower had been granted a special forbearance plan, but didn't make payments as necessary.
After: New forbearance plan with one payment of $1,700, and five monthly payments of $1,514.25, saving $600.95 per month.

Lender: Aurora - [ID: #0016](Click Here To View PDF)
Before: Borrower was not behind on minimum monthly payments of $2,074.94. Fully amortized loan payment was $2,910.00.
Trial Loan Modification: Three month trial plan beginning Feb 1, 2010 with three payments of $1,949.49 PITI. Monthly savings of $960.51.

Lender: Aurora - [ID: #0017](Click Here To View PDF)
Before: Borrower was 13 months past due, owing $31,850.00 plus attorney fees. Monthly principal and interest payment was $2,450.00 with an additional $660.00 for taxes and insurance.
Trial Loan Modification: Approved for a three month trial plan with monthly payments of $1,765.71 October-December 2009. During this plan, borrower saved $1,344.29 per month.
Final Loan Modification: After completing trial plan, borrower is approved for a permanent modification to the loan. Monthly PITI payment is $1,314.44. Monthly savings is $1,795.56 per month. Wow!

Lender: Aurora - [ID: #0018](Click Here To View PDF)
Investment Property
Before: Account past due $43,570.44. Monthly PITI payment was $1,668.75 with 8.9% interest rate.
After: Borrower was granted a Step-Up Rate Plan, first payment not due until July 1, 2010. Step-Up Rate is as follows: 2.% interest for the first 5 years with P&I payments of $1,308.77, saving $359.98 per month. Interest rate will increase the 6th year to 3%, 7th year to 4%, and for the 8th year and remaining life of the loan a fixed 5% interest rate with monthly payments of $1,324.58.

Lender: Aurora - [ID: #0019](Click Here To View PDF)
Before: Borrower was 12 months past due with a 7.373% interest rate and monthly PITI payments of $2,324.92.
After: Borrower received a special 6 month forbearance and payment was decreased to $1,851.92, saving $473 per month. Final modification will be completed after 6th payment.


Bank of America Loan Modifications
Lender: Bank of America - [ID: #0001](Click Here To View PDF)
Before: Previous payment was $1,366 with 6.125% interest, 5 months past due.
After: Modification requires contribution of $784.74, and first payment due 07/01/09. New payment is $1,122.75, including escrow, for the life of the loan.

Lender: Bank of America - [ID: #0002](Click Here To View PDF)
Before: Previous interest rate 6.75% fixed, FHA loan. Monthly payment $1,228.34 PITI, 7 months past due.
After: New interest rate 5.5% fixed for the life of the loan, 1st payment due October 1 good faith deposit of $1,299.17 due 7/31.

Lender: Bank of America - [ID: #0003](Click Here To View PDF)
Before: Borrower was 6 months past due. Monthly payment of $2,074.64 PITI. 6.75% fixed interest rate.
After: Three month trial plan for $1,551.43 starting September 1, 2009. Final modification will be granted after 3rd successful payment.

Lender: Bank of America - [ID: #0004](Click Here To View PDF)
Before: Monthly payment $2,534.43 PITI. Borrower was 7 months behind, owing $16,186.96.
After: Three month trial plan. Payment of $1,863.76. Monthly savings of $670.67.

Lender: Bank of America - [ID: #0005](Click Here To View PDF)
Before: Monthly payment of $3,280.51 PITI. Borrower was 3 months past due.
After: Approved for a six month forbearance plan with payments of $1,763.67 starting September 1, 2009. Savings of $1,516.84 per month. Full modification to be granted at the completion of this plan.

Lender: Bank of America - [ID: #0006](Click Here To View PDF)
Before: 6.75% fixed rate. PITI $450.00, 10 payments behind ($7,249.77) Trial Loan Modification: 1st offer was a payment plan requesting $5,000.00 and monthly payments for $487.00.
After: Loan modification approved. No money down, 1st payment due September 1, 2009. $448.11 PITI new interest rate 6.375% fixed for the life of the loan.

Lender: Bank of America - [ID: #0007](Click Here To View PDF)
 
 

Lender: Bank of America - [ID: #0008](Click Here To View PDF)
Before: Payment was $1,354.17 PITI with 5.75% adjustable interest. Borrower is past due $11,301.10.
After: New payment is $1,151.75, saving $202.42 per month. New interest rate 4.250% for 4 years.

Lender: Bank of America - [ID: #0009](Click Here To View PDF)
Before: Monthly PITI payment $3,158.74 PITI with adjustable interest rate. Past due $25,521.74.
After: New monthly payment $2,263.00, saving $895.74 per month. This is a 3 month plan toward a permanent modification.

Lender: Bank of America - [ID: #0010](Click Here To View PDF)
Before: Monthly payment $1,199.50 PITI, 3 months past due.
After: New monthly payment $978.98 for 3 months, then the loan will be reviewed for a permanent modification.

Lender: Bank of America - [ID: #0011](Click Here To View PDF)
Before: Past due $8,785.68, Adjustable Rate Mortgage, monthly payments of $2,170 PITI.
After: New monthly payment is $1,054.62 for a 3 month trial and foreclosure is prevented during this time.

Lender: Bank of America - [ID: #0012](Click Here To View PDF)
Before: Monthly payment was $1,842.56 PITI, with $7,089.07 past due.
After: New payment is $1,644.25 PITI for 3 month trial plan.

Lender: Bank of America - [ID: #0013](Click Here To View PDF)
Before: One month past due, monthly payments are $1,531.23.
After: New 3 month trial payment is $1,240.00, saving $292 per month.

Lender: Bank of America - [ID: #0014](Click Here To View PDF)
Before: Borrower was 9 months past due owing $9,882.62 with monthly payments of $1,581.90 and 7.47% interest rate.
After: New monthly payment is $1,245.46 PITI with 7.0% fixed interest rate, saving $336.44 per month.

Lender: Bank of America - [ID: #0015](Click Here To View PDF)
Before: Borrower was 11 months past due, owing $9,231.40 and in active forclosure. Monthly payments were $801.83.
After: Three month trial plan toward modification with 3 payments of $569.75, saving $232.08 monthly.

Lender: Bank of America - [ID: #0016](Click Here To View PDF)
Before: Borrower was current and not yet behind on making payments. Monthly payment was $752.23 with 6.250% interest.
After: Four month trial plan with monthly payments of $426.25, saving $325.98 per month. Final modification will be granted after these 4 payments. Wow!

Lender: Bank of America - [ID: #0017](Click Here To View PDF)
Before: Past due owing $31,753.49, monthly PITI payments of $3,157.00. Property in foreclosure.
After: Stellar trial plan toward modification: 3 Month trial plan with payments of $1,764.49, saving $1,392.51 per month during modification. Foreclosure is on hold.

Lender: Bank of America - [ID: #0018](Click Here To View PDF)
Before: Borrower was 6 months past due in the amount of $23,756.04, monthly PITI payments of $3,959.34.
After: Permanent modification with 2.5% interest for the first 5 years with PITI payments of $2,665.84, saving $1,293.48 per month. Interest rate will increase the 6th year to 3.5%, 7th year to 4.5%, and for the 8th year and remaining life of the loan a fixed 5.0% interest rate.

Lender: Bank of America - [ID: #0019](Click Here To View PDF)
Before: Borrower was past due $28,283.56 with monthly PITI payments of $4,192.52.
After: Approved for three month trial plan with monthly payments od $2,093.74, saving $2,098.46. Will be approved for final modification after three payments.

Lender: Bank of America - [ID: #0020](Click Here To View PDF)
Before: Borrower had not missed any payments. Monthly PITI payments were $2,289.18.
After: Approved for three month trial, Making Home Affordable plan. Three monthly payments of $1,157.93. After third payment final modification will be reviewed.

Lender: Bank of America - [ID: #0021](Click Here To View PDF)
Before: Borrower was 8 months past due owing $11,845.20. Monthly PITI payment was $1,480.65, 10.5% interest rate.
After: Approved for a three month trial plan. First trial payment is $1,148.39, second and third payments are calculated with 5.5% interest rate, to $861.06. Trial plan is saving borrower $1,571.44 total. After three successful payments, loan will be reviewed for a permanent modification.

Lender: Bank of America - [ID: #0022](Click Here To View PDF)
Before: Borrower was three months behind owing $6,123.06. Monthly PITI payments were $2,041.02 with 6.5% interest rate.
Trial Loan Modification: Approved for 3 month trial plan under HAMP with monthly payments of $1,333.00, saving $708.02 per month.
Final Loan Modification: After completing 3 trial payments, borrower was approved for a permanent modification. For 5 years, interest rate is 2.625% with PITI payments of $1,520.80, borrower will be saving $520.22 each month. Over 5 years, this is savings of $31,213.20. Wow! Interest rate will increase 1% each year for 3 years, capping in the 8th year at fixed 4.875% for the remaining life of the loan.

Lender: Bank of America - [ID: #0023](Click Here To View PDF)
Before: Borrower was current - not behind on payments. Monthly PITI payments were $1,537.33.
Trial Loan Modification: Approved for a three month trial plan with payments of $969.44, saving $567.89 per month.

Lender: Bank of America - [ID: #0024](Click Here To View PDF)
Before: Monthly PITI payment was $1,531.33 with fixed 6.50% interest. Borrower was 5 months past due.
After: New monthly PITI payment is $885.07 with fixed 2.00% interest for 5 years. Interest will increase to fixed 4.00% in the 7th year and remain at 4.00% for the life of the loan.

Lender: Bank of America - [ID: #0025](Click Here To View PDF)
Before: Borrower was 14 months past due, owing $25,983.76, and in foreclosure. Monthly payment was $1,719.11, with 6.625% interest.
After: Borrower was granted a Step-Up Rate Plan, first payment not due until July 1, 2010. The past due balance was added to the end of the loan. Step-Up Rate is as follows: 2.125% interest for the first 5 years with P&I payments of $920.44, saving $798.67 per month. Interest rate will increase the 6th year to 3.125%, 7th year to 4.125%, 8th year to 5.125%, and for the 9th year and remaining life of the loan a fixed 5.5% interest rate with monthly payments of $1,233.35.

Lender: Bank of America - [ID: #0026](Click Here To View PDF)
Before: Borrower was 9 months past due, owing $10,082.05 and foreclosure proceedings had been started. Borrower had a 5.875% fixed interest rate with a monthly PITI payment of $1,498.33.
After: Borrower was granted a traditional modification and monthly payment was reduced to $1,233.13 ($265.17 savings per month). Foreclosure was canceled. Bank of America extended length of the loan and added the past due amount to the back of loan.

Lender: Bank of America - [ID: #0027](Click Here To View PDF)
Before: Borrower was $13,039.44 past due on an FHA loan with an interest rate of 6.0% and monthly payments of $2,286.61 PITI.
After: Borrower was brought current and first payment is due in 2 months. His new monthly payment is $2,171 PITI ($114.91 saving) with an interest rate of 5.0%.

Lender: Bank of America - [ID: #0028](Click Here To View PDF)
Before: Borrower had a monthly payment of $2,118.36 and an interest rate of 5.125%
After: Borrower received a final modification and first payment is due in 2 months. He received an interest rate of 3.875% and a monthly payment of $1,953.38 PITI ($169.98 savings) for 60 months, than payments will change to $1,724.50 PI for the life of loan.

Lender: Bank of America - [ID: #0029](Click Here To View PDF)
Before: Borrower was past due 23 months ($43,285.20) with an interest rate of 6.375% and monthly payments of $1,894.86 PIT. Borrower was in foreclosure with a sale date scheduled.
After: Borrower's sale date was canceled. New interest rate is 5.00% and monthly payments were reduced to $1,882.44 PIT. Borrower is current and gets to keep their home after two years of non-payment.

Lender: Bank of America - [ID: #0030](Click Here To View PDF)
Before: Borrower was past due $8,761.81 and had an interest rate of 6.375% with monthly payments of $1,462.23 PITI.
After: Borrower only paid $1,227.04 good faith deposit and received a new monthly payment of $963.22 PITI ($499.01 savings per month) and an interest rate of 2% for 5 years. In the 6th year the interest rate will change to 3%, in the 7th year to 4% and in the 8th year to 4.375% for the life of the loan.

Lender: Bank of America - [ID: #0031](Click Here To View PDF)
Before: Borrower was $19,997.03 past due and was in active foreclosure. Borrower had an FHA, fixed rate loan with a 5.875% interest rate and a monthly payment of $1,691.32 PITI.
After: Borrower's foreclosure was canceled and she is starting fresh. Her new payment is $1,416.15 PITI ($271.17 savings per month), partial claim, and the interest rate remained the same.

Lender: Bank of America - [ID: #0032](Click Here To View PDF)
Before: Borrower was $32,375.63 past due with an interest rate of 6.875% and a monthly payment of $1,687.31 PITI. Borrower was in foreclosure with a sale date.
After: Borrower's new payment is 1,026.40 PITI and interest rate is 3.375% for the first 5 years and will change to 4.375 on the 6th year and for the remaining life of the loan. Sale date was canceled and borrower is free from foreclosure.

Lender: Bank of America - [ID: #0033](Click Here To View PDF)
Before: Borrower was past due $6,717.62 with an interest rate of 7.125% and monthly payments of $1,239.50 PITI.
After: Borrower's new payment is $1,082.50 PITI and his interest is 4.875% and is fixed for the life of the loan

Lender: Bank of America - [ID: #0034](Click Here To View PDF)
Before: Borrower was $15,681.57 (15 months) past due and in an active foreclosure. Monthly payment was $1,126.30 PI on her 6.00% interest rate loan.
After: Borrower's new payment is $1,032.32 PITI and new interest rate is 4.635% and is fixed for the life of the loan. Account is current and foreclosure will be canceled.

Lender: Bank of America - [ID: #0035](Click Here To View PDF)
Before: Borrower was $23,262.73 (16 months) past due. Monthly payment was $806.99 PI (no escrows) with a 6.375% interest rate.
Trial Loan Modification: Borrower received a trial modification for 3 months with a monthly payment of $859.94.
Final Loan Modification: After successfully completing trial plan, borrower was approved for a final modification with monthly payment of $859.95 PITI and new interest rate is 2% for 5 years than it will change to 3% for the 6th year, 4% for the 7th year and 4.5% for the 8th year through the remaining life of the loan. Foreclosure sale date was canceled and the $23,262.73 in past due monies were placed at the back of the loan.

Lender: Bank of America - [ID: #0036](Click Here To View PDF)
Before: Borrower was $39,539.33 (25 months) past due. Monthly payments were $1,566.91 PITI on her FHA, 6.50% interest rate loan and in foreclosure.
After: Borrower received a final modification with a new payment of $1,575.13 PITI and a 5.00% fixed interest rate for the life of the loan. Initial payment of $1,575.13 is due when the agreement is returned and 1st payment will not be due until March. Loan brought current and foreclosure will be canceled.

Lender: Bank of America - [ID: #0037](Click Here To View PDF)
Before: Borrower was $54,536.08 past due. Monthly PITI payments were $2,944.41, with a 6.875% interest rate. Property was in an active foreclosure.
After: Borrower received a final modification with a new PITI payment of $1,953.02 ($991.39 savings per month) and a 5.00% fixed interest rate for the life of the loan. This modification includes a $181,748.76 deferred principle balance.

Lender: Bank of America - [ID: #0038](Click Here To View PDF)
Before: Borrower was 6 months past due and in an active foreclosure. Monthly payments were $1,026.48 PITI on a 6.5% interest rate loan.
Trial Loan Modification: Borrower received a trial modification for 3 months starting with a monthly payment of $926.90.
Final Loan Modification: Received a final modification with the same payment of $926.90 PITI and new interest rate is 2% (HAMP).

Lender: Bank of America - [ID: #0039](Click Here To View PDF)
Before: Borrower was 23 mortgage payments behind owing $43,910.85. Property was in active foreclosure. The monthly payment was $1,847.92 on a 6.5% fixed interest rate loan.
After: Borrower received a final loan modification with a new monthly mortgage payment of $1,885.72 and a 5.25% fixed interest rate. Foreclosure process was stopped, delinquent amount was placed at the back of the loan and borrower received a fresh start, even after not paying their mortgage for almost two years.

Lender: Bank of America - [ID: #0040](Click Here To View PDF)
Before: Borrower was $11,378.12 past due and had a monthly mortgage payment of $863.26 PITI. Original interest rate was 8.25%.
After: Borrower received a final loan modification with a new monthly mortgage payment of $547.17 PITI ($316.09 savings per month) with a 4.375% fixed interest rate for the first 5 years. The interest rate will change to a 5% fixed interest rate for the remaining life of the loan. The past due amount was rolled into the new loan and the borrowers only had to provide a $900 good faith deposit.

Lender: Bank of America - [ID: #0041](Click Here To View PDF)
Before: The borrower had a past due amount of $16,943 with an escrow shortage of $2,793 and her house was in active foreclosure. She had an adjustable rate mortgage with a 8.125% interest rate and monthly loan payments of $760.50 (PITI).
After: The borrower received a final loan modification and Amerihope Alliance stopped the foreclosure. Her account was brought current and she was given a fresh start with a fixed interest rate of 5.25% and new monthly loan payments of $773.09 (PITI).

Lender: Bank of America - [ID: #0042](Click Here To View PDF)
Before: The borrowers were $48,238.92 past due and the property was in foreclosure. They had a fixed interest rate of 6.25%.
After: The borrower's interest rate was modified to a 5.50% fixed interest rate. Bank of America required up front funds in the amount of $2,128.30. Their monthly mortgage payments were modified to the same amount of $2,128.30 and the first payment is due in 60 days. The foreclosure process was stopped and the past due amount was placed on the back of the loan.

Lender: Bank of America - [ID: #0043](Click Here To View PDF)
Before: Monthly mortgage payments were $2,366.42 with an 8% ARM interest rate. Homeowners were past due $45,000 and facing a foreclosure sale date from Bank of America.
Trial Loan Modification: Foreclosure sale date was postponed and borrower was granted a three month trial loan modification with payments of $1,628.95, a monthly savings of $737.47, and a temporary fixed interest rate of 3.975%.
Final Loan Modification: The final loan modification terms brought borrowers current and got an even lower fixed interest rate of 3.835% for the first 5 years and 4.75% fixed interest rate for the life of the loan, with a new permanent monthly mortgage payment of $1,637.54. Borrowers also earned a principal forgiveness totaling $92,775.57. The principal balance of the loan will be reduced $30,925.19 annually for the first three years.

Lender: Bank of America - [ID: #0044](Click Here To View PDF)
Before:These New Jersey homeowners were 13 months past due on their FHA loan and owed $24,762.60 to Bank of America mortgage, including an escrow shortage of $6,926.14. Monthly mortgage payments were $1,746.47 PITI with a 6.5% adjustable interest rate (ARM).
After: The home was saved and the past due amount was put to the back of the loan, with a new monthly mortgage payment of $1,710.84 PITI and a 5.25% fixed interest rate. The homeowners get to keep their home.

Lender: Bank of America - [ID: #0045](Click Here To View PDF)
Before: These Florida homeowners were past due $173,115.13 or 34 monthly mortgage payments. Their monthly payment was $2,174.71 with a fixed interest rate at 7%.
After: Payment decreased by 1,154.38. Loan balance will be decreased by $108,241.18. Homeowners received a permanent loan modification with Bank of America with a new monthly mortgage payment of $1,020.33 PITI, saving them $1,154.38 per month. They will have a 2% interest rate for 5 years and after the 7th year the interest rate will be fixed at 4.625% for the life of the loan. They are also eligible for a principal forgiveness of $108,241.18, or nearly one-third of their total balance, as long as they make their payments on time for the first 3 years.

Lender: Bank of America - [ID: #0046](Click Here To View PDF)
Before: Homeowners were past due $37,814.09 and in active foreclosure on their Bank of America loan, with monthly mortgage payments of $2,735.35 PITI and a 7.125% interest rate.
Trial Loan Modification: Approved for a trial plan under Making Home Affordable. New monthly mortgage payments of $1,975.10.
Final Loan Modification: Permanent loan modification saved the home from foreclosure with no upfront fees required. New monthly mortgage payments of $1,975.23 PITI, saving $760.12 per month. Their interest rate is fixed at 2% for 5 years, increasing by 1% every year until it reaches a 4.5% fixed interest rate for the life of the loan.

Lender: Bank of America - [ID: #0047](Click Here To View PDF)
Before: Monthly mortgage payments were $1,270.72 PITI. The Bank of America homeowner was 41 months late making mortgage payments and owed Bank of America over $54,000. This was an FHA mortgage with a 7.00% interest rate.
Final Loan Modification: Final Loan Modification: After completing a Making Home Affordable trial loan modification period of three months, the new mortgage payment is $1,303.58 with a 4.375% fixed interest rate for the remaining life of the loan. No upfront fees are required by Bank of America and this client is able to keep their home after nearly 4 years of not paying the mortgage.

Lender: Bank of America - [ID: #0048](Click Here To View PDF)
Before: This was a interest-only mortgage with a monthly mortgage payment of $889.43 and 6.50% interest. The mortgage payments were 27 months behind and the property was in active foreclosure.
Fannie Mae Trial Modification: Our client was granted a trial loan modification with 3 monthly payments of $715.15.
Permanent Loan Modification: After successfully completing the trial loan modification, the monthly payment was further lowered to $609/16 with a fixed 5% interest rate. The principal amount of $50,264.88 is deferred and the interest bearing principal is $117,284.75. The lower monthly mortgage payments are no longer interest only, and are now paying down the principal with a much lower monthly payment. The foreclosure case is dismissed and the client gets to keep their home. This is a much better mortgage for the homeowner because now the principal is being paid.

Lender: Bank of America - [ID: #0049](Click Here To View PDF)
Before: Monthly mortgage payment was $4,633.69 and the client was 14 months past due totaling $63,742.29 owed to Bank of America.
After: Client was approved for a Making Home Affordable Trial modification with 3 payments of $3,958.11. Upon completion of the trial loan modification, the client will be granted a mortgage principal reduction of $90,294.65.

Lender: Bank of America - [ID: #0050](Click Here To View PDF)
Before: Monthly mortgage payment was $1,760.63 with an adjustable interest rate of 7.375%. The homeowner was in foreclosure and 31 months behind. Almost 3 years of not making a mortgage payment. Over $55,000 past due.
Trial Loan Modification: Monthly mortgage payments of $871.44. Saving $889.19 per month.
Final Loan Modification: After the Making Home Affordable 3 trial payments are completed, the final loan modification will take effect. There is a fixed interest rate of 4.611% and a $161,429.44 principal reduction. Wonderful loan modification! This bring the payments down to an affordable amount and the house is no longer underwater. Saving of $889 per month with at rate reduction of 2.7%.

Lender: Bank of America - [ID: #0051](Click Here To View PDF)
Before: This Bank of America mortgage was 12 months behind, with monthly mortgage payments of $849.77 and an interest rate of 8.5%.
Trial Loan Modification:Client was required to make 3 trial loan modification payments of $605.81.
Final Loan Modification: After successfully completing 3 trial loan modification payments, client was granted a final loan modification. The new mortgage payment is $535.20 with 3.625% interest rate. The interest rate will increase in 3 years to a fixed 4% interest for the remaining life of the loan. Our client's mortgage payment was reduced by 35% (saving $314 per month).

Lender: Bank of America - [ID: #0052](Click Here To View PDF)
Before: Homeowner was 3 years behind on mortgage payments, owing $46,455 to Bank of America. Their mortgage payment was $1,297.69 and they had a very high fixed interest rate of $9.375%.
Trial Loan Modification: Homeowner was approved for a Bank of America trial loan modification with three monthly payments of $917.52.
Permanent Loan Modification: After making three trial plan payments, our client was approved for a permanent loan modification, with monthly payments of $913.18 and a low 3.875% fixed interest rate. This is a great Bank of America loan modification with monthly savings of $384.51 and a significant interest rate reduction. Bank of America will forgive the principal amount of $36, 281.52 after 3 years of timely payments.

Lender: Bank of America - [ID: #0053](Click Here To View PDF)
Before: Homeowner was in foreclosure after missing more than 26 mortgage payments. Homeowner owed Bank of America $100,130.16, and had monthly mortgage payments of $3,851.16.
Trial Loan Modification: Trial payment plan with monthly payments of $2,458.02 per month.
Principal Reduction: Upon completion of the trial plan, Bank of America has offered a principal reduction of $290,222.87 and a permanent loan modification.

Lender: Bank of America - [ID: #0054](Click Here To View PDF)
Before: Homeowners were 29 months past due and in foreclosure. With monthly payments of $3,3489.30 and additional fees they owed Bank of America over $100,000.00.
Making Home Affordable Loan Modification: Borrower was granted modified mortgage payments of $2,349.69 and a step up interest rate that begins at 2%. Monthly savings of $1,140.00.
Lender: Bank of America - [ID: #0055](Click Here To View PDF)
Before: Borrower was 47 months past due owing$50,214.15. She had a high 8.75% interest rate and a monthly payment of $1,252.29 PITI.
After: Borrower received a Department of Justice 3 month trial plan starting December 1st, 2012. Her new monthly payments are $520.63 PITI and she received a $154,468.97 principal reduction. A savings of $731.66 per month.

Lender: Bank of America - [ID: #0056](Click Here To View PDF)
Before: Borrower was 20 months past due ($75,116.44) This was an interest only mortgage with a 6.75% interest rate and a monthly payment of $3,927.04 ITI.
After: Borrower received a 3 month Department of Justice Settlement trial plan starting December 1st, 2012. He received a 3.88% fixed interest rate, a monthly payment of $2,646.55 PITI and a $273,353.81 principal reduction. This is a $1,280 savings per month and a low interest rate.


Bank United Loan Modifications
Lender: Bank United - [ID: #0001](Click Here To View PDF)
Before: Monthly PITI payment was $2,216.73 with adjustable 6.25% interest rate. Borrower was 24 months past due owing $53,200. Sale date scheduled for June 8, 2010.
After: Sale date postponed upon lender's receipt of signed and dated agreement. New monthly payment with escrow shortage included is $1,244.69. Saving $972.04 per month!

Lender: Bank United - [ID: #0002](Click Here To View PDF)
Before: Borrower was 8 months past due owing $10,700.00. Monthly mortgage payment (PITI) was $1,330.08 with adjustable 5.12% interest.
After: New PITI payment is $515.89 with 2.0% fixed interest for five years, incrementing 1.00% up to a maximum 4.875% for the life of the loan, saving more than 50% of the original payments per month! (Monthly savings $814.19).


Bayview Loan Modifications
Lender: Bayview - [ID: #0001](Click Here To View PDF)
 
 


Beneficial Loan Modifications
Lender: Beneficial - [ID: #0001](Click Here To View PDF)
Before: 1st Mortgage – Rate of 8.40% and mortgage payment of $1,504.54 (principal and interest). 2nd Mortgage – Rate of 9.25% and mortgage payment of $280.37.
After: 1st Mortgage – Rate of 5.25% and mortgage payment of $1,128.95. 2nd Mortgage – Rate of 5.25% and mortgage payment of $201.84.

Lender: Beneficial - [ID: #0002](Click Here To View PDF)
Before: Monthly payments of $2,529.10 with 9.140% interest rate. Borrower had been granted a 6-month modification, but the borrower failed to make payments. Further modification was denied 3 times.
After: We performed a Forensic Mortgage Audit and obtained a modification. New 6-month forbearance plan, monthly payment is $1,697.03 principal and interest.


Carrington Loan Modifications
Lender: Carrington - [ID: #0001](Click Here To View PDF)
 
 

Lender: Carrington - [ID: #0002](Click Here To View PDF)
 
 

Lender: Carrington - [ID: #0003](Click Here To View PDF)
Before: Homeowner was past due over two years, owing $225,537.11. Mortgage payments were $7,909.00 per month and they had a high 5.875% interest rate.
Trial Payment Plan: Homeowner was approved for a Making Home Affordable loan modification with new monthly payments of $4,697.77. Saving over $3,000.00 per month! New interest rate begins at 2.0%. Making Home Affordable really worked for this client!


Chase Loan Modifications
Lender: Chase Home Finance - [ID: #0001](Click Here To View PDF)
Before: Borrower was 9 months behind, in foreclosure, payment was $2,654.03, 7.25% fixed fixed.
Trial Loan Modification: Approved for the home affordability program, three month payment plan of $1,697.56 from June through August and then loan will granted a permanent modification.
Final Loan Modification: Permanent modification with Stepping interest rate. Interest rate is 2.0% for 5 years with PITI payments of $1,237.85 - saving $1,416.85 per month from original payment, 3.0% for the 6th year, 4.0% for the 7th year and for the 8 year and life of the loan a fixed 4.75% interest rate.

Lender: Chase Home Finance - [ID: #0002](Click Here To View PDF)
Before: Borrower was 4 months behind, PITI payment was $2,128.00, 7.225% fixed interest rate. Property was in foreclosure.
After: Approved for three month trial plan. Payment $960.69. Saving $1,167.31 a month.

Lender: Chase Home Finance - [ID: #0003](Click Here To View PDF)
Before: Previous payment $2488.41 with escrows, 9 months past due. Sale date scheduled for 6/15/2009.
After: New monthly payment $1044.32 for 3 month trial plan. Sale date postponed until 9/1/2009 during which time agreement for New Housing Plan will be sent to borrower.

Lender: Chase Home Finance - [ID: #0004](Click Here To View PDF)
Before: Previous interest rate 6.875%. PITI payment was $3,114.66, borrower was 4 months behind.
Trial Loan Modification: New payment for 3 month trial plan $2,430.96, saving $683.70 per month. After this trial plan, the loan modification will be finalized.
Final Loan Modification: New interest rate is 2.0% for 5 years with PITI payments of $2,358.28, saving $756.38 per month. For the 6th year, interest rate is 3.0%; 7th year 4.0%. In the 8th year and for the remaining life of the loan, interest rate becomes a fixed 4.75%.

Lender: Chase Home Finance - [ID: #0005](Click Here To View PDF)
Before: Borrower was 4 months past due, PITI payment was $2,110.41, 7.375% fixed rate.
After: Approved for three month plan $1271.00 due on May 1, June 1, and July 1 saving of $849.00 a month. After this period, permanent modification will take place.

Lender: Chase Home Finance - [ID: #0006](Click Here To View PDF)
Before: $1,935.18 P& I and insurance, 8.825% ARM. Borrower was two months behind.
After: President’s Home Affordability and Stability plan. Trial period for three months with payment of $1,402.13. Saving $533.05 a month. No good faith deposit required and the delinquent amount will be added to the principal. After plan is completed borrower will receive full modification documents.

Lender: Chase Home Finance - [ID: #0007](Click Here To View PDF)
Before: Previous mortgage payment was $1,873.96, 6 months past due.
After: Approved for 3 month trial plan of $852.19/month, saving $1,021.77 per month. After 3 month plan, the restructure will be finalized.

Lender: Chase Home Finance - [ID: #0008](Click Here To View PDF)
Before: 7.0% fixed interest rate, 5 months behind, $1,716.01 PITI payment.
After: Three payments of $749.54 with a $350 contribution required by June 15, 2009. After this time, payment will be reduced to $1,300-1,400 with a fixed interest rate of 5.0%.

Lender: Chase Home Finance - [ID: #0009](Click Here To View PDF)
Before: Fixed 6.25% interest rate, 3 payments behind. PITI payment was $2,570.18.
After: Trial modification with forbearance plan. The payments of $2,165.04 due. When plan is paid, permanent modification will be offered.

Lender: Chase Home Finance - [ID: #0010](Click Here To View PDF)
Before: Previous payment of $1,006.04, 10 months behind.
After: 3 month trial, payments of $240.18.

Lender: Chase Home Finance - [ID: #0011](Click Here To View PDF)
Before: Rate of 7.875% payment of $1,814.41 (principal and interest). Morila was 6 months behind and owed the bank $13,716.00 including late fees.
After: First year rate of 4.875%, payment of $1,403.69 (principal and interest). Second year rate of 5.875%, payment of $1,556.71 (principal and interest). Third year rate of 6.875%, payment of $1,712.93 (principal and interest).

Lender: Chase Home Finance - [ID: #0012](Click Here To View PDF)
 
 

Lender: Chase Home Finance - [ID: #0013](Click Here To View PDF)
 
 

Lender: Chase Home Finance - [ID: #0014](Click Here To View PDF)
Before: Monthly payment was $3,437.43 principal, interest and taxes. With 11.625% ARM. Borrower pays insurance and association fees of $218.92. Payments are 8 months behind, owing $27,876.08.
After: Making Home Affordable Trial Plan, 3 monthly payments of $1,265.17. Saving $2,391.18 per month. WOW!

Lender: Chase Home Finance - [ID: #0015](Click Here To View PDF)
Before: First Mortgage: Past due 10 months owing $22,645.55, property in foreclosure. Original PITI payment $2,294.44. Second Mortgage: Past due 10 months, owing $6,369.00.
After: First Mortgage: Three month trial Home Affordable plan with payments of $871.80, saving $1,422.65 per month. Second Mortgage: Good faith deposit of $636.98 required and 3 trial payments of $318.40. Monthly savings of $318.40.

Lender: Chase Home Finance - [ID: #0016](Click Here To View PDF)
Before: Property in foreclosure, sale date 10/02/2009. Monthly PITI payment $1,500.33, 9 months past due.
After: Sale date cancelled, property saved from foreclosure. Three month trial plan with payments of $995.62, monthly savings of $504.71.

Lender: Chase Home Finance - [ID: #0017](Click Here To View PDF)
Before: Borrower was 5 months past due and in active foreclosure owing $16,610.50. Monthly payments of $2,598.97.
After: Foreclosure suspended during the course of 3 month trial plan. Monthly payments are $1,610.32 PITI, saving $988.65 per month.

Lender: Chase Home Finance - [ID: #0018](Click Here To View PDF)
Before: 7 months past due. Payments are $2,620.18 PITI with 5.75% fixed interest rate.
After: Three month trial plan during modification process. Monthly payment is $2,237.96 for 3 months. Final modification will occur after third payment.

Lender: Chase Home Finance - [ID: #0019](Click Here To View PDF)
Before: Past due $5,372.09, monthly payments of $1,041.44.
After: New payment under Making Home Affordable plan is $885.36 PITI.

Lender: Chase Home Finance - [ID: #0020](Click Here To View PDF)
Before: Previous interest rate 7.25%, PITI payments $2,496.63. Past due 4 months.
Trial Loan Modification: Three month trial plan with payments of $1,571.56, saving $925.07
After: Final modification to payments of $936.36 PITI for 5 years at 2% interest, 6th year 3% interest, 7th year 4% interest, 8-40th year 5% fixed interest. They also deferred principal of $129,700.00. This will be paid after the 40 years of the loan or when the house is sold or refinanced. In this case Chase did all three steps on The Making Home Affordable Plan 1. Lower interest rate; 2. Extend the mortgage terms to 40 years; 3. Defer principal balance because the home value has dropped. New payment is $635.20 less a month than the trial plan and $1,560.27 savings a month from the origina payments. Borrower is ecstatic. Super!

Lender: Chase Home Finance - [ID: #0021](Click Here To View PDF)
Before: Borrower was 13 months behind owing $19,474.91. Monthly payments were $1,498.07, with 6.75% interest rate.
After: Forbearance plan into modification saving $653.87 per month with monthly payments of $844.20.

Lender: Chase Home Finance - [ID: #0022](Click Here To View PDF)
Before: Previous monthly PITI payment $2,439.24 with 6.0% interest, borrower was 6 months past due.
Trial Loan Modification: Trial plan beginning July 1, 2009 with 3 monthly payments of $1,468.73. Monthly savings of $970.51.
Final Loan Modification: Borrower successfully completed trial plan and was approved for final modification with first payment due February 1, 2010. Chase deferred $46,800.00 and borrower does not have to pay interest on this amount. New interest rate for years 1-5 is 2.0% with new PITI payment $,1232.41, monthly savings of $1,206.00 per month. In the 6th year the interest rate will be 3.0%, 7th year interest rate will be 4.0%, and in the 8th year and for the life of the loan the interest rate is fixed at 5.0%. Borrower is very happy with the modification.

Lender: Chase Home Finance - [ID: #0023](Click Here To View PDF)
Before: Borrower was past due over $10,000.00, monthly PITI payments of $1,445.50. Sale date was scheduled for January 6, 2010.
After: Sale date is canceled and borrower is approved for a Non-Payment Forbearance until May 2010 while reviewed for a permanent solution. During this time, borrower makes no payments.

Lender: Chase Home Finance - [ID: #0024](Click Here To View PDF)
Before: Borrower was $6,210.06 past due with an 11% interest rate and a monthly PITI payment of $342.72.
After: Borrower's monthly payment was reduced to $127.23, saving $215.49 per month.

Lender: Chase Home Finance - [ID: #0025](Click Here To View PDF)
Before: Borrower was 3 months past due and had a monthly payment of $905.10 (PITI) with an interest rate of 7.00%.
After:Borrower's account was brought current and she received a monthly payment of $755.78 PITI ($149.32 savings per month) with an interest rate of 4.500%.

Lender: Chase Home Finance - [ID: #0026](Click Here To View PDF)
Before: Borrowers were 10 months past due, owing $18,612, and there was a foreclosure sale date scheduled for their property. The original monthly payment with taxes and insurance was $2,093.76 with a 6% fixed interest rate.
After:Borrowers received a permanent loan modification with a new payment of $1,997.17. Totaling– $96.59 monthly savings –and a 5.00% fixed interest rate. The foreclosure sale date was cancelled.

Lender: Chase Home Finance - [ID: #0027](Click Here To View PDF)
Before: Borrowers owed $32,154.36 plus legal fees and made no mortgage payment for over two years. Their monthly mortgage payments were $2,244.00 with an increasing ARM interest rate of 5.58%.
Trial Loan Modification: Approved for a three month Making Home Affordable trial plan with monthly mortgage payments of $1,170.30.
Final Loan Modification: After successfully completing the trial plan, the homeowners are approved for a permanent loan modification that puts their past due balance to the back of the loan. For the first 5 years, monthly payments will be $1,176.29 PITI with an interest rate of 2%, which will save them $1,067.71 per month. After the 7th year, payments will be $972.92 including escrows, with a fixed interest rate of 4.875% for the remainder of the 40 year loan.

Lender: Chase Home Finance - [ID: #0028](Click Here To View PDF)
Before: Borrowers were 14 months behind on their Chase mortgage, owing $33,213.18, not including fees. Their monthly mortgage payments were $2,372.37 and they had a fixed interest rate of 7%.
After:Their permanent loan modification brought them current with new monthly mortgage payments of $2,107.78 PITI, monthly savings of $264.59. Their modified 30 year loan has a 5% fixed interest rate.

Lender: Chase Home Finance - [ID: #0029](Click Here To View PDF)
Before: Homeowners were past due $32,948.94 to Chase with monthly mortgage payments of $2,228 PITI and an interest rate of 5%.
Trial Loan Modification: Approved for a trial plan under HAMP with a new monthly mortgage payment of $1,420.05 PITI, saving $807.95 per month.
Final Loan Modification: After successfully making trial payments the homeowners' modification was made permanent. Their permanent monthly mortgage payment is $1,420.05 PITI and they'll have a 2% interest rate for the first 5 years that will be fixed at 4.625% after the 7th year for the life of the loan.

Lender: Chase Home Finance - [ID: #0030](Click Here To View PDF)
Before: These homeowners were past due $22,220.59 with monthly mortgage payments of $2,184.40 PITI with a 6.25% interest rate.
Trial Loan Modification: Approved for a loan modification trial plan that saves $585.95 per month with the new monthly mortgage payment of $1,598.45.
Final Loan Modification: The Chase loan modification is made permanent with monthly mortgage payments of $1,461.83 PITI, for a monthly savings of $722.57. Their interest rate will be 2% for 5 years and will increase every year after that until it resets at 4.625%, fixed for the life of the loan.

Lender: Chase - [ID: #0031](Click Here To View PDF)
Before: This was a Chase mortgage that was 12 months behind, with monthly payments of $1,530.19 and in foreclosure.
Loan Modification Results: Chase granted a permanent loan modification to a fixed 4.00% interest rate and a new monthly payment of $1,456.89 and extended the life of the mortgage. Our client is able to keep their home and is current on the mortgage. They are no longer facing foreclosure and are happy to have peace of mind and no longer facing foreclosure.

Lender: Chase - [ID: #0032](Click Here To View PDF)
Before: This Chase loan modification started with a monthly mortgage payment of $2,249.97 that was 2 years behind (26 months, $56,248.81) with a foreclosure sale date and 6.90% interest.
Loan Modification Results: The modified mortgage payment is now $1,539.36 with 2.775% fixed interest rate for 5 years, and then 4.00% fixed interest for the remaining life of the Chase mortgage. The homeowner can afford their mortgage payment now and is saving their home.

Lender: Chase - [ID: #0033](Click Here To View PDF)
Before: This client came to us 3 ½ years behind on their Chase mortgage payments. The monthly payment was $1,811.75 with a 6.50% adjustable interest rate. The case was in active foreclosure and had previously been denied a modification after completed a trial plan.
Trial Loan Modification and Cancel Foreclosure Sale: Client was approved for a Making Home Affordable Trial Loan Modification with payments of $1,187.54 for three months. The foreclosure case was put on hold and we spoke with Chase's attorneys to stop a scheduled foreclosure sale date.
Permanent Loan Modification, Principal Reduction and Foreclosure Dismissed: The new total mortgage payment, including principal, interest, taxes and insurance is $1,187.54, which saves the client $624.21 per month. The interest rate is 2.00% and will increase to 3.875% fixed after 7 years. Over three years, the principal will be forgiven for a total of $153,224.91 principal reduction.
Additional Benefit: Each month for 5 years, the borrower will earn a benefit of $83.33 ($999.96 per year) which will be applied to the principal balance of the mortgage annually.

Lender: Chase - [ID: #0034](Click Here To View PDF)
Before: Borrower was 7 months past due ($14,137.34). He had a 8.875% interest rate and a monthly payment of $2,035.65.
After: Borrower received a 3 month traditional loan modification trial plan. He received a lower interest rate of 4.40% fixed with a monthly payment of $1,460.26 and a $96,205.96 principal reduction. This is a $575.38 monthly savings.


Citi Loan Modifications
Lender: Citi - [ID: #0001](Click Here To View PDF)
Before: Payment was $394.83.
After: New fixed payment for 25 years is $272.11. Amount of $1953.32 was deferred on this equity line.

Lender: Citi- [ID: #0002](Click Here To View PDF)
Before: 7.0% P&I payment of $1,409.56, taxes and insurance were $279.61 total payment of $1,689.17.
After: New payment $1,042.02, new escrow $260.52 total new payment $1,302.56.

Lender: Citi - [ID: #0003](Click Here To View PDF)
Before: $1,588.92 PITI payment, 10.15%.
After: New PITI payment is $1,170.69.

Lender: Citi - [ID: #0004](Click Here To View PDF)
Before: Past due $13,114.65, monthly payment of $2,515.55.
After: New payment is $1,240.00. Monthly savings of $1,275.55.

Lender: Citi - [ID: #0005](Click Here To View PDF)
Before: Monthly payment of $1,770.92 PITI, past due over $10,000.
After: Trial plan for 3 months on 1st mortgage for $750, savings of $1,020.92 per month.

Lender: Citi - [ID: #0006](Click Here To View PDF)
 
 

Lender: Citi - [ID: #0007](Click Here To View PDF)
Before: Payment was $1,067.30 with 6% interest rate. Six months past due, totaling $6,403.80.
After: New monthly payment is $1,031.06 with 5.50% interest rate.

Lender: Citi - [ID: #0008](Click Here To View PDF)
Before: Monthly payment $1,572.33 PITI, 8.25% adjustable interest rate, 13 months behind. Borrower owed over $18,000 plus late fees.
After: Trial modification with 2.0% intereste for 40 years. Monthly payment is now $785.07. Monthly savings of $787.26.

Lender: Citi - [ID: #0009](Click Here To View PDF)
Before: Payment was $2904.11 with interest rate of 6.50%.
After: New payment is $1495.35 with interest rate 2%.

Lender: Citi - [ID: #0010](Click Here To View PDF)
 
 

Lender: Citi - [ID: #0011](Click Here To View PDF)
 
 

Lender: Citi - [ID: #0012](Click Here To View PDF)
Before: Current monthly payment $782.58 (PITI), five months past due with total amount $3,935.48 owed.
After: New payment $ 555.87 (PITI), for Making Home Affordable 3 months Trial Plan, saving $226.71 per month.

Lender: Citi - [ID: #0013](Click Here To View PDF)
Before: Borrower was past due $45,365.45, and in foreclosure. Monthly PITI payments of $2,384.22 with 9.65% interest.
Trial Loan Modification: Approved for three month trial plan with monthly payments of $1,431.89, saving $952.33 per month.

Lender: Citi - [ID: #0014](Click Here To View PDF)
Before: Account was in collection total amount past due $ 43,617.63.
Settled: Settled for 20% of the total amount, borrower paid $8,668.00 and the mortgage is paid off.

Lender: Citi - [ID: #0015](Click Here To View PDF)
Before: Borrower was 10 months past due owing $18,743.80. Monthly PITI payment was $1,874.38 with 6.75% interest rate.
After: No upfront deposit required. New interest rate is 5.625% with monthly PITI payments of $1,708.28, saving $166.10 per month.

Lender: Citi - [ID: #0016](Click Here To View PDF)
Before: Borrower was 4 months past due with a fixed interest rate of 6.75% and monthly PITI payments of $1,739.71.
After: Borrower received a traditional modification and payments were reduced to $1,510.07 PITI ($229.64 savings per month). Term was extended to 30 years and interest rate was lowered to 4.875%.

Lender: Citi - [ID: #0017](Click Here To View PDF)
Before: Borrower was 12 months past due owing $35,269.75. Monthly PITI payments were $2,515.55 with a fixed 5.25% interest rate.
Trial Loan Modification: Approved for 3 month trial plan with payments of $1,240.00.
After: Borrower received a Final Modification with monthly payments starting at $1,394.76 ($1,120.79 savings per month) and an interest rate of 2.00% for 5 years, 3.00% the 6th year, 4.00% the 7th year, and fixed 4.75% for the 8% year and the remaining life of the loan.

Lender: Citi - [ID: #0018](Click Here To View PDF)
Before: Borrower was past due $41,634.91 and had an interest rate of 6% with monthly payments of $1,699.13 PITI. Lender had started foreclosure procedures.
After: Borrower's monthly payment was reduced to $1,508.06 PITI ($191.07 savings per month) and interest rate to 5.25%.

Lender: Citi - [ID: #0019](Click Here To View PDF)
Before: Borrower was 6 months past due with an interest rate of 6.625% and a monthly payment of $1,643.38 PITI.
After: Borrower's interest rate was reduced to 2.125% and monthly payments of $1,141.85 PITI ($501.83 savings). The 6th year the rate will change to 3.125%, 7th year to 4.125%, 8th year and for life of loan to 4.625%.

Lender: Citi - [ID: #0020](Click Here To View PDF)
Before: Property was in active foreclosure and borrower was $25,970.95 past due. Monthly PITI payment was $1,589.35 with an interest rate of 7.250%.
After: Borrower received a fresh start with a monthly payment of $1,104.21 PITI ($485.14 savings per month). New interest rate is 3.750% for the first 5 years and changes to 4.375% the 6th year and for the life of the loan.

Lender: Citi - [ID: #0021](Click Here To View PDF)
Before: Borrower was 8 months past due with a monthly mortgage payment of $711.00 and a 9.4% interest rate.
After: Entire CITI mortgage balance of $82,450.29 was charged off, homeowner now has monthly payments of $300.00 and pays no interest! Payments are lowered by more than 50% and years are taken off what this homeowner would have been paying.

Lender: Citi - [ID: #0022](Click Here To View PDF)
Before: Homeowner was past due $30,879 at a 4.78% interest rate. Monthly payments were $1,631.35 and client was a year and a half past due.
Trial Loan Modification: Client was approved for a Citi Supplemental Modification with payments of $666.21 for 3 months.
Final Loan Modification: Homeowner completed their trial plan and was granted a permanent modification of $685.15 (PITI) with a fixed rate of 4.78%. $175,535.03 principal reduction and the new principal balance is only $67,498.93! Savings of $946.20 per month! Great CITI loan modification for this homeowner!


Coldwell Banker Loan Modifications
Lender: Coldwell Banker - [ID: #0001](Click Here To View PDF)
Before: Payment was $2,2500.00 P&I. Taxes and insurance separate payment of $399.99. Borrower was past due $23,124.56 (9 months) and in foreclosure.
After: Making Home Affordable 3 month trial plan to modify. New payment is $1,524.56 PITI. No good faith deposit required.

Lender: Coldwell Banker - [ID: #0002](Click Here To View PDF)
Before: Past due $18,993.73, monthly PITI payments $2,341.00.
After: Approved for three month trial plan with monthly payments of $2,078.16.


Countrywide Home Loan Servicing Loan Modifications
Lender: Countrywide Home Loan Servicing - [ID: #0001](Click Here To View PDF)
Before: $1,548.38 PITI. Borrower was past due $3,096.00 (2 months).
After: Making Home Affordable 3 month trial plan to modify. New payment is $987.35 PITI. No good faith deposit required.

Lender: Countrywide Home Loan Servicing - [ID: #0002](Click Here To View PDF)
Before: Previous payment $1,578.22 P&I only. Full payment with taxes and insurance $2,014.72. Two months past due.
After: New payment $1,382.47 P&I. Full payment with taxes and insurance $1,835.27.

Lender: Countrywide Home Loan Servicing - [ID: #0003](Click Here To View PDF)
Before: $22,320.53 behind. Sale Date postponed 4x.
After: New payment $1,053.39 includes escrow. Homeowner is able to keep their home.

Lender: Countrywide Home Loan Servicing - [ID: #0004](Click Here To View PDF)
Before: PITI $3,993.33, 3 payments behind.
After: New payment starting August, payment $2,600.00, savings of $1,393.33 per month.

Lender: Countrywide Home Loan Servicing - [ID: #0005](Click Here To View PDF)
Before: 10.00% currently adjusting interest rate, mortgage payment of $934.03 (principal and interest). Laura was also 5 months behind (in Foreclosure) and owed Countrywide $6,246.58 in late fees (which included attorney fees).
After: 9.375% fixed for four years, monthly payment of $893.94 (principal and interest) and past due fees owed to Countrywide were added to the back of the loan.

Lender: Countrywide Home Loan Servicing - [ID: #0006](Click Here To View PDF)
Before: This loan was an Option ARM 7.875% monthly payment $3270.
After: Now this loan has a 4.25% fixed rate for 5 years, interest only monthly payment is now $1,370.34.

Lender: Countrywide Home Loan Servicing - [ID: #0007](Click Here To View PDF)
Before: Previous payment $1,340.
After: New payment $1,179 after 3 month trial the payment will adjust lower for 5 years.

Lender: Countrywide Home Loan Servicing - [ID: #0008](Click Here To View PDF)
Before: ARM rate was 5.74%, set to adjust to 9%. Borrower was 3 months behind with monthly, interest-only payments of $1491.86.
After: Solution is a 3-month trial period of payments (including escrow) of $1265. Estimated new rate 4.87% for 5 years, P&I.

Lender: Countrywide Home Loan Servicing - [ID: #0009](Click Here To View PDF)
Before: Previous payment $2,075.91 PITI. Borrower was past due over $7,39577 (6 mos.) and in foreclosure.
After: Making Home Affordable Plan. New payment $1,672.28 (PITI) for 3 months. Plan to modify beginning 7/26/2009, 9/1/2009, 10/1/2009. No good faith deposit required.

Lender: Countrywide Home Loan Servicing - [ID: #0010](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0011](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0012](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0013](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0014](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0015](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0016](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0017](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0018](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0019](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0020](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0021](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0022](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0023](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0024](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0025](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0026](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0027](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0028](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0029](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0030](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0031](Click Here To View PDF)
 
 

Lender: Countrywide Home Loan Servicing - [ID: #0032](Click Here To View PDF)
Before: Borrower was 10 months past due. Monthly payment of $1,440.80 Principle and interest only, 6.50% interest rate. Property was in foreclosure.
After: Three month trial plan with PITI payment os $1,002.31, saving the client over $400 per month and now includes taxes and insurance escrow. Final modification will be completed after 3rd payment.

Lender: Countrywide Home Loan Servicing - [ID: #0033](Click Here To View PDF)
Before: 14 Months behind on payments and in foreclosure, owing $15,084.08. PITI Payment was $1,429.41.
After: Three month trial plan toward a modification with payments of $1,284.83, saving $144.58 per month.

Lender: Countrywide Home Loan Servicing - [ID: #0034](Click Here To View PDF)
Before: Two months behind. Monthly payment was $3,760.85, 7.875% fixed interest rate.
After: Three month trial plan with payments of $2,213.77, saving $1,547.08 per month. Wow! Final modification will be completed after 3 payments.

Lender: Countrywide Home Loan Servicing - [ID: #0035](Click Here To View PDF)
Before: Borrower was 7 months past due with $1,764.25 principal and interest only payments. 8.75% ARM interest.
After: Granted three month trial plan with payments of $1,364.00 per month, saving $400.25 each month. Full modification will be completed after 3rd payment.

Lender: Countrywide Home Loan Servicing - [ID: #0036](Click Here To View PDF)
Before: Borrower was 5 months past due on $2,664.88 PITI payments, fixed 6.75% interest rate.
After: Granted a 3 month trial plan with payments of $1,340.55, which is a monthly saving of $1,324.33. Final modification will be completed after 3rd payment. Wow!


EMC Loan Modifications
Lender: EMC Mortgage Corporation - [ID: #0001](Click Here To View PDF)
Before: Rate of 9.75% on a negative amortization payment (option ARM) loan. Justin was making a neg-am loan payment of $5,850.22 per month.
After: Rate of 4.20% (interest only) and new payment of $2,172.10 for the life of the loan.

Lender: EMC Mortgage Corporation - [ID: #0002](Click Here To View PDF)
Before: PITI payment $771.00 with a sale date of 6/18/2009.
After: New payment is $626.49.

Lender: EMC Mortgage Corporation - [ID: #0003](Click Here To View PDF)
Before: PITI payment $999.96 with a sale date. Past due $30,697.36.
After: Foreclosure suspended. New 3 month trial plan payment is $868.00

Lender: EMC Mortgage Corporation - [ID: #0004](Click Here To View PDF)
Before: Current payment is $999.96 PITI, past due $20,697.36 in active foreclosure with a sale date.
After: Foreclosure is suspended while homeowner completes a 3 month trial plan, making payments of $868.00.


Everhome Loan Modifications
Lender: EverHome - [ID: #0001](Click Here To View PDF)
Before: Previous payment $1,033.59, 4 months past due.
After: New payment is $516.80 for 6 months.



Everhome Loan Modifications
Lender: First Fidelity Loan Servicing - [ID: #0001](Click Here To View PDF)
Before: Borrower was 6 months past due on his 2nd Mortgage. He had an interest rate of 13.25% and monthly payments of $740.59
After: Borrower received a reduced payment of $300 ($440.59 savings) per month for the next 6 months. We will renegotiate final modification at that time.


First Franklin Loan Modifications
Lender: First Franklin - [ID: #0001](Click Here To View PDF)
 
 

Lender: First Franklin - [ID: #0002](Click Here To View PDF)
 
 


GMAC Loan Modifications
Lender: GMAC - [ID: #0001](Click Here To View PDF)
Before: Previous mortgage payment of $2,346.86. Property was in foreclosure with a sale date of 07/23/09; borrower was 9 months behind.
After: Trial plan with 2 consecutive $2,346.86 payments. After 2nd payment modification is being referred to Obama’s Making Homes Affordable Plan.

Lender: GMAC - [ID: #0002](Click Here To View PDF)
Before: 9% ARM. Account was past due 23 months and $80,180.93. Active foreclosure.
After: Trial plan to modify. Three monthly payments of $2,080.37, monthly savings of $663.93.

Lender: GMAC - [ID: #0003](Click Here To View PDF)
Before: 2nd Mortgage: Monthly payment $818.68. Past due 6 months ($5,212.08), interest rate 10.85%. Balance of $90,987.19.
After: New payment $0.00. Loan settled for one payment of $7,000.00.

Lender: GMAC - [ID: #0004](Click Here To View PDF)
 
 

Lender: GMAC - [ID: #0005](Click Here To View PDF)
 
 

Lender: GMAC - [ID: #0006](Click Here To View PDF)
Before: Six months past due.
After: Home Afforable plan begins with 2% interest for 5 years, then increases to 5.125%. Savings of $1,486.61.

Lender: GMAC - [ID: #0007](Click Here To View PDF)
Before: Borrower was in foreclosure with a sale date. Payments were 9 months past due. PITI payment $1,237.82.
After: Approved for President Obama's plan. Sale date was canceled. Borrower completed a 3 month trial plan. New monthly payment is $865.48, saving $372.34 per month. Interest rate 2.125% for 4 years, then steps up 1.0% per year to 5.0% in the 7th year and for the remaining life of the loan, permanently 5.0% interest.

Lender: GMAC - [ID: #0008](Click Here To View PDF)
Before: Monthly PITI payment $2,864.00. Twelve months past due and in foreclosure with a sale date. Borrower owed $35,000 plus attorney fees for foreclosure proceedings.
After: Approved for a 3-month trial plan with payments of $2,264.68, saving $599.32 per month.

Lender: GMAC - [ID: #0009](Click Here To View PDF)
Before: Borrower was 11 payments past due, owing $8,275.73. Monthly payment of $661.26 with 9.87% adjustable interest rate (ARM).
After: Final modification payments $357.81, saving $303.49 per month. Total about past due $8,275.73 was forgiven.

Lender: GMAC - [ID: #0010](Click Here To View PDF)
Before: Monthly payments of $2,744.30, with 9% adjustable interest rate. 23 months past due, owing $80,180.93 and in foreclosure.
Trial Loan Modification: Three month plan with payments of $2,080.37, saving $663.93 per month.
After: Final modification with 2% interest for 5 years and monthly payments of $2,080.37, 6th year the interest increases to 3%, 7th year 4%, and for the 8th year and the remaining life of the loan, 5% fixed interest rate.

Lender: GMAC - [ID: #0011](Click Here To View PDF)
Before: Monthly payments of $1,816.71 PITI with 6% adjustable ARM interest rate.
After: New payment $790.29 PITI, with interest rate fixed at 2% for 6 years. Interest rate will then increase 1% per year to 4.80% fixed for the remaining life of the loan.

Lender: GMAC - [ID: #0012](Click Here To View PDF)
Before: Borrower making principal and interest only payments and was past due $6,963.85. Monthly PITI payment was $4,160.41.
After: Approved for three month trial plan toward a traditional modification with monthly PITI payments of $2,140.29. Borrower is saving $2,020.12 per month.

Lender: GMAC - [ID: #0013](Click Here To View PDF)
Before: Original monthly PITI payment was $1,466.08 with 8.5% interest rate. Borrower was 21 months behind, owing $47,787.04 and in foreclosure.
Trial Loan Modification: Making Home Affordable trial plan with monthly payments of $801.35, saving $665.00 per month.
Final Loan Modification: Great final modification! Interest rate fixed for 5 years at 2.00% and steps up to 5.00% fixed for the remaining life of the loan. Final monthly payment will be $1,070.07 with a total savings over the life of the loan of $249,652.92

Lender: GMAC - [ID: #0014](Click Here To View PDF)
Before: Monthly PITI payments were $1,521.50. Borrower was past due $18,283.25 and in active foreclosure.
After: Making Home Affordable trial plan with monthly payments of $897.47, saving $624.03 per month.


Greentree
Lender: Greentree - [ID: #0001](Click Here To View PDF)
Before: Borrower's mortgage was 2 months past due with a monthly mortgage payment of $936.08 and a 6% fixed interest rate.
After: Borrower was granted a $44,529.00 principal reduction. Amerihope Alliance negotiated a final loan modification with a new monthly mortgage payment of $683.10 and a 4.875% fixed interest rate for the life of the loan. With the new interest rate and principal reduction, borrower is saving $252.98 per month.


Homeq Loan Modifications
Lender: HomEq - [ID: #0001](Click Here To View PDF)
Before: Payment was $525.40, interest rate 9.875%.
After: New payment $346.00, 5.00% fixed rate for 5 years.

Lender: HomEq - [ID: #0002](Click Here To View PDF)
Before: Payment was $2,471.28, 9.5% interest rate.
After: New payment $1651.23, 5.875% interest rate.

Lender: HomEq - [ID: #0003](Click Here To View PDF)
Before: Current payment was $2,225.41 PITI with 9.125% adjustable interest rate. Nine months past due with a sale date scheduled.
After: New payment is $2,074.67 PITI with 5 year fixed interest rate of 7.125%.

Lender: HomEq - [ID: #0004](Click Here To View PDF)
Before: Borrowers were 35 months ($45,154) past due and foreclosure proceedings had been started. Original interest rate of 7.99% and a monthly payment of $1,088.51 PITI.
After: Borrowers received 4 month forbearance with a monthly payment of $758.54 PITI ($329.97 savings) and a down payment of $13,600. The remaining $38,000.00 will be moved to the back of the loan and a new interest rate of 2% will be given for 5 years, after which the rate will remain at 3.5% for the life of the loan.


Homecomings Loan Modifications
Lender: Homecomings - [ID: #0001](Click Here To View PDF)
Before: Previous payment $2,825.16, ARM, 7 months past due.
After: New payment $1,486.74, 4 month trial plan under Home Affordability program.


HSBC Loan Modifications
Lender: HSBC - [ID: #0001](Click Here To View PDF)
Before: 13 months past due and in active foreclosure. PITI payment was $1,913.45 with 7.625% interest.
After: Approved for a special forbearance plan into a final modification. Three monthly payments of $1,182.46, saving $730.00 per month, and foreclosure is suspended during this time.

Lender: HSBC - [ID: #0002](Click Here To View PDF)
Before: Previous payment was $1,533.90 PITI, 9.04% adjustable interest rate with a scheduled sale date.
After: New monthly payment is $895.02 PITI with 4% interest for 5 years, 5.5% for the sixth year and 7% fixed for the 7th year and the life of the loan. First payment is due in 2 months.


Indymac Loan Modifications
Lender: Indymac - [ID: #0001](Click Here To View PDF)
Before: Payment was $1,164.77 PITI, 6.25% ARM, past due 6 months.
After: New interest rate 3% for 5 years, 4% for the 5th year, 5.0% for the 7th year and then fixed to 5.25% for the life of the loan, which has extended by 8 years. New PITI payment $787.73, saving $377.04 per month and $22,622.40 in the first five years.

Lender: Indymac - [ID: #0002](Click Here To View PDF)
Before: Past due amount $4,753.40, principal and interest-only payments $1,482.00 with 7.13% interest, and full PITI payments were $1,841.25 per month.
Trial Loan Modification: Three month trial plan with full principal, interest, taxes and insurance. Monthly payment of $1,109.00. Final modification will be completed after three successful payments.
Final Loan Modification: Borrower was approved for a final modification. Indymac granted a new maturity date of 1/1/50. For the first 5 years, monthly payment is $1,000.63 with 2% fixed interest. For the 6th year, PITI payment is $1,117.94 with 3% fixed interest; in the 7th year, monthly payment of $1,235.00 PITI with 4% fixed interest, and for the 8th year through the life of the loan, a permanent fixed 5% interest rate with monthly PITI payments of $1,355.99. Final monthly savings of $485.26. Excellent stepped modification plan. Borrower is very happy!

Lender: Indymac - [ID: #0003](Click Here To View PDF)
Before: Six months behind, owing $11,032.02. PITI payment $1,838.67, 4.75% interest rate.
After: Three month trial plan with payments of $1,708.76. Final modification will be completed after 3 payments.

Lender: Indymac - [ID: #0004](Click Here To View PDF)
Before: Borrower was past due $19,387.89 and in foreclosure.
After: Three month trial plan with payments of $2,668.13. Final modification will be completed after 3 payments. Current savings of $2,068.26.

Lender: Indymac - [ID: #0005](Click Here To View PDF)
Before: Regular PITI payment was $1,948.65, past due $22,616. with a sale date posted.
After: Special forbearance plan for 6 months with payments of $2,911.97.

Lender: Indymac - [ID: #0006](Click Here To View PDF)
Before: Currently 5 months past due owing $13,029.36, monthly payments are $2,042.54 PITI with 6.12% interest rate.
After: Forbearance plan granted with 6 payments of $748.57, saving $1,293.97 per month. Wow! After 6 successful payments, Indymac will review the file for a permanent payment reduction.

Lender: Indymac - [ID: #0007](Click Here To View PDF)
Before: Borrower was 7 months past due, PIT payments of $1,665.68 with 7.25% fixed interest rate.
After: Approved for a 3 month trial plan toward modification with PITI payments of $841.63, aving $824.05 per month. Wow! Full documentation will be completed after 3 successful payments.

Lender: Indymac - [ID: #0008](Click Here To View PDF)
Before: Borrower was 9 months behind, owing $18,828.89 and in foreclosure. Monthly PITI payment was $2,130.07.
After: Approved for a 3 month trial plan while modification is completed. New payment is $1,679.93, saving $450.14 per month.

Lender: Indymac - [ID: #0009](Click Here To View PDF)
Before: Borrower was 5 months past due, owing $21,912.39. Monthly PITI payment was $4,125.48 with 6.75% interest rate.
After: Approved for three month trial plan under Making Home Affordable. After three monthly payments of $2,360.03, loan will be review for permanent modification.

Lender: Indymac - [ID: #0010](Click Here To View PDF)
Before: Borrower was in active foreclosure with a property sale date set for January 29, 2010, account was 19 months past due, owing $26,740.49. Monthly PITI payments were $1,539.00 with 6.875% fixed interest rate.
After: Permanent, full term modification. Loan extended 10 years, and reinstated with the same, fixed 6.875% interest. New monthly PITI payment is $1,095.07, saving $444.00 per month.

Lender: Indymac - [ID: #0011](Click Here To View PDF)
Before: Monthly payment was $2,911.97 and borrower was making payments on a forbearance plan. Sale date scheduled for 11/24/09 was placed on hold.
After: Approved for HAMP trial plan with 3 monthly payments of $1,874.31. Monthly savings of $1,037.66.

Lender: Indymac - [ID: #0012](Click Here To View PDF)
Before: Borrower was $31,395.76 past due and had a 7.625% interest rate with a monthly payment of $1,288.04 PITI. They were in foreclosure and had a sale date.
After:Borrower's new payment is $1,162.53 PITI, interest rate is 4.375% for the first 5 years and will change to 4.5% on the 6th year and for the remaining life of the loan. All past due moneys were placed at the back of the loan and the sale date was canceled.


Lender: LBPS - [ID: #0001](Click Here To View PDF)
Before: The borrower had a past due amount of $16,268.98 with an escrow shortage of $850.45 and was in active foreclosure. He had a fixed interest rate of 6.875% and his monthly mortgage payments were $2,050.43 (PITI).
Trial Loan Modification: The borrower received a three month trial loan modification with a temporary interest rate of 2.00% and a reduced monthly mortgage payment of $967.20 (PITI). Foreclosure was stopped.
Final Loan Modification: Borrower was granted a final loan modification with the new monthly mortgage payment of $967.20 (PITI) – a monthly savings of $1,083.23. His interest rate was reduced to 2.00% for the first 5 years and will be increased by 1.00% for three years thereafter, until it reaches 5.00%. At that time the interest rate will remain fixed for the life of the loan

Lender: LBPS - [ID: #0002](Click Here To View PDF)
Before: This LBPS loan was 12 payments past due owing over $20,000.00 and the property was in foreclosure. Monthly mortgage payments were $1,386.62.
After: The loan was permanently modified, foreclosure is stopped, and the borrower has a fresh start with a new, affordable mortgage payment. New monthly mortgage payments are $1,003.16 PITI. The new interest rate is 2% for the first 5 years, 3% for the 6th year, 4% for the 7th year, 5% for the 8th year, and then a 5.125% fixed interest rate for the life of the loan.


Litton Loan Servicing Loan Modifications
Lender: Litton Home Servicing - [ID: #0001](Click Here To View PDF)
Before: Rate of 7.00%, payment of $1475.12, Jamie also had $3,904.11 past due in late fees.
After: Rate of 4.620% and new payment of $977.32 for the life of the loan. Past due amount put in the back of the loan.

Lender: Litton Home Servicing - [ID: #0002](Click Here To View PDF)
Before: Previous PITI payment $1,527.63, 9.50% ARM. Borrower was past due $7,828.65.
After: Trial plan for 3 months with payments of $714.32. Monthly savings of $813.31.

Lender: Litton Home Servicing - [ID: #0003](Click Here To View PDF)
Before: Previous payment $890.00.
After: New payment of $697.37 includes escrows.

Lender: Litton Home Servicing - [ID: #0004](Click Here To View PDF)
Before: Previous payment $1,401.71 PITI. 6.625% fixed interest rate. Borrower was 7 months behind owing $9853.46.
After: Trial plan with payments of $1,223.44, monthly savings of $178.21.

Lender: Litton Home Servicing - [ID: #0005](Click Here To View PDF)
Before: 10.50% interest rate, mortgage payment of $1830 per month (principal and interest).
After: 4.2% for the life of the loan and payment (principal and interest) of $723.26.

Lender: Litton Home Servicing - [ID: #0006](Click Here To View PDF)
 
 

Lender: Litton Home Servicing - [ID: #0007](Click Here To View PDF)
 
 

Lender: Litton Home Servicing - [ID: #0008](Click Here To View PDF)
 
 

Lender: Litton Home Servicing - [ID: #0009](Click Here To View PDF)
 
 

Lender: Litton Home Servicing - [ID: #0010](Click Here To View PDF)
Before: Monthly PITI payment was $1,847.00, past due $31,294.77 and property in foreclosure.
After: House saved from foreclosure! Three month trial plan with PITI payment of $1,497.35, saving $350 per month. Final modification will be completed after 3 payments.

Lender: Litton Home Servicing - [ID: #0011](Click Here To View PDF)
Before: Borrower was 5 months past due, with monthly payments of $3,243.31 PITI and 11.4% fixed interest rate. A sale date for this property was posted.
After: Wow! A 3 month trial plan is granted with payments of $1,891.23, saving $1,352.08 per month. Full modification will be completed after third payment.

Lender: Litton Home Servicing - [ID: #0012](Click Here To View PDF)
Before: Borrower was past due $16,000 with PITI payments of $1,362.58, 7.75% adjustable interest rate.
After: Great trial plan with 3 payments of $758.32, saving $603.68. Final modification will be approved after successful payments.

Lender: Litton Home Servicing - [ID: #0013](Click Here To View PDF)
Before: The borrower had a past due amount of $13,415.27 and an escrow shortage of $10,701.53. She had an adjustable rate loan with a 6.77% interest rate and a previous monthly mortgage payment of $1,535.29 (principal and interest).
After: The borrower's adjustable interest rate was modified to a 5.5% fixed interest rate. Her principal and interest payments were reduced to $1,302.45. She no longer has an escrow shortage and her account was brought current without the need of a deposit or down payment. Borrower was given a fresh start.


MetLife Loan Modifications
Lender: MetLife - [ID: #0001](Click Here To View PDF)
Before: Monthly payment $887.12 PITI past due $11,172.77 and in foreclosure.
After: New monthly payment for 6 month forbearance plan is $443.56 per month. Saving 50% monthly!

Lender: MetLife - [ID: #0002](Click Here To View PDF)
Before: Borrower was 8 months past due with an interest rate of 6.875% and monthly PITI payments of $1,768.91.
After:Borrower received a traditional modification starting with monthly payments of $1,381.30 ($387.61 savings per month). Interest rate will start at 3.5% for months 1-60, than change to 4.5% for months 61-72 and then change to 5% for the rest of the life of the loan.


Midland Mortgage Loan Modifications
Lender: Midland - [ID: #0001](Click Here To View PDF)
Before: Account 23 months past due owing $16,431.36. Property was in foreclosure with a sale date on May 8th, 2010. Monthly PITI payments were $684.65 PITI.
After: Modification with first payment due May 1st with no initial contribution. New monthly PITI payment $695.46, with 5.5% interest rate.


MorEquity Loan Modifications
Lender: MorEquity - [ID: #0001](Click Here To View PDF)
Before: Borrower was $6,211.75 (5 months) past due. Interest rate was 5.75% and monthly payment was $1,202.35 PITI.
 After: Borrower's new payment is $687.83 PITI ($514.52 savings). New interest rate is fixed at 2.00% for the first 5 years, 3.00% the 6th year, 4.00% the 7th year, and 4.25% for the remaining life of the loan.

National City Loan Modifications
Lender: National City - [ID: #0001](Click Here To View PDF)
Currently Updating!
 


Nation Star Loan Modifications
Lender: NationStar - [ID: #0001](Click Here To View PDF)
Currently Updating!
 

Lender: NationStar - [ID: #0002](Click Here To View PDF)

Before: Borrower was $5,426.84 (4 months) past due. Monthly payments were $1,199.60 PITI on a 6% interest rate loan.

Trial Loan Modification: Monthly payment of $890.09 PITI.
Final Loan Modification: Same payment of $890.09 and the new interest rate is 2% (HAMP). All past due monies were placed at the back of the loan.

Lender: NationStar - [ID: #0003](Click Here To View PDF)

Before: Homeowner was 11 months behind on monthly mortgage payments of $1,765.72 with an interest rate of 6.75%.

After: Homeowners were approved for a permanent Nationstar loan modification through the Making Home Affordable program (HAMP). They are saving $689.58 per month with their new monthly mortgage payments of $1,076.14. Their interest rate will be 2% for the first five years, 3% for the sixth year, and 4% for the seventh year until the interest rate is fixed at 4.75% for the remainder of the loan.


NationPoint
Lender: NationPoint - [ID: #0001](Click Here To View PDF)
Before: Borrower was 7 months past due. She had an adjustable rate mortgage with a monthly payment of $2,470 PITI and an 8.25% interest rate.
Trial Loan Modification: Three month trial plan with payments of $1,475.66, saving $991.47 per month (more than 50%).
Final Loan Modification: Borrower's new payment is $1,475.57 PITI ($994.43 savings). Loan was converted to a fixed rate at 2% for the first 5 years, 3% the 6th year, 4% the 7th year and 4.375% the 8th year and for the life of the loan.


Ocwen Loan Modifications
Lender: Ocwen Loan Servicing - [ID: #0001](Click Here To View PDF)
Before: Rate of 9.50%, payment of $1,141.22 (principal and interest).
After: Rate of 6.95%, payment of $785.51.

Lender: Ocwen Loan Servicing - [ID: #0002](Click Here To View PDF)
Before: Rate of 12.440%, payment of $722.23 PITI. Property was in foreclosure.
After: Rate of 3.95% for five years. New PITI payment is $486.67, savings of $235.56 per month.

Lender: Ocwen Loan Servicing - [ID: #0003](Click Here To View PDF)
Before: Loan maturity was 2/1/2009, borrower owed $4,893.00 on mortgage payment and late fees, not including attorney’s fees for account in foreclosure.
After: Payoff agreement for $2,500.00 to satisfy mortgage and cancel foreclosure.

Lender: Ocwen Loan Servicing - [ID: #0004](Click Here To View PDF)
Before: Previous payment $1,479.00 adjustable rate mortgage, in active foreclosure.
After: New payment of $1,138.30, 3 month trial plan, saving $340/month. Sale date placed on HOLD.

Lender: Ocwen Loan Servicing - [ID: #0005](Click Here To View PDF)
 
 

Lender: Ocwen Loan Servicing - [ID: #0006](Click Here To View PDF)
 
 

Lender: Ocwen Loan Servicing - [ID: #0007](Click Here To View PDF)
 
 

Lender: Ocwen Loan Servicing - [ID: #0008](Click Here To View PDF)
 
 

Lender: Ocwen Loan Servicing - [ID: #0009](Click Here To View PDF)
Before: Borrower was 20 months past due, owing $64,745.00 and property was in foreclosure. Monthly payment was $2,938.35.
After: Three month trial plan with monthly payments of $2,375.73, saving $562.62 per month.

Lender: Ocwen Loan Servicing - [ID: #0010](Click Here To View PDF)
Before: Past due $33,852.45 and in foreclosure. Monthly payment was $3,399.87.
After: House saved from foreclosure, approved for reduced interest rate of 3.95%, new monthly payment is $2,050.89 saving $1,348.98 per month.

Lender: Ocwen Loan Servicing - [ID: #0011](Click Here To View PDF)
Before: Past due $62,976.89 and in foreclosure.
After: House saved from foreclosure, approved for 3 month trial plan, paying $3,805.92 per month. Monthly savings of $867.22.

Lender: Ocwen Loan Servicing - [ID: #0012](Click Here To View PDF)
Before: This Ocwen loan was past due $31,664.38 and in foreclosure. Monthly mortgage payments of $2,123.73 and a 5.04% interest rate. Homeowners also had an escrow shortage of $6.552.52.
Trial Loan Modification: The foreclosure was stopped and homeowners were approved for a Making Home Affordable trial plan with new monthly mortgage payments of $1,337.72 PITI, for a monthly savings of $786.11.
Final Loan Modification: The trial payments were made permanent and the homeowners get a new low interest rate of 2% for 5 years, which will increase 1% every year until it fixes at 4.875% for the life of the loan. Homeowners will also have $35,101.51 of their principal balance forgiven every year they successfully make their mortgage payments for 3 years, for a total principal reduction of $105,303!

Lender: Ocwen Loan Servicing - [ID: #0013](Click Here To View PDF)
Before: This investment property was in active foreclosure and was almost 2 years behind (missed 21 mortgage payments). The monthly PITI payment was $683.36 and there was a 7.650% interest rate.
After: The new interest rate is 2.00% for the life of the mortgage, and the new monthly mortgage payment is $488.33, saving $195.03 per month.
SAM: The Shared Appreciation Modification states that after 3 years, almost 33% of the mortgage $23,043.12 will be forgiven, and the new mortgage balance will be $75,120.30. This is a great loan modification on an investment/rental property.

Lender: Ocwen Loan Servicing - [ID: #0014](Click Here To View PDF)
Before: This Ocwen borrower was 14 months behind on their mortgage, owing Ocwen $32,312.74. Their monthly mortgage payment was $2,229.00 with 6.50% fixed interest.
Shared Appreciation Modification (SAM Permanent Loan Modification): The new monthly mortgage payment is 60% lower than before, $1,310.37, which saves $918.63 per month. The next fixed interest rate is 2.00% for the life of the mortgage. The principal mortgage balance is $331,659.00, and over 3 years $86,559.00 will be deferred as a principal reduction. The new principal balance is $245,100.00.

Lender: Ocwen Loan Servicing - [ID: #0015](Click Here To View PDF)
Before: Original mortgage payment was $1,998.66 PITI with 8.48% interest. Principal balance was $501,225.40. Borrower was 6 years behind and in active foreclosure.
Shared Appreciation Modification (SAM Permanent Loan Modification): Homeowners were assigned three trial loan modification payments of $954.43.
Final Loan Modification and Principal Reduction: Ocwen permanent loan modification with monthly payments of $1,120.35 and an Ocwen principal reduction of $357,336.88! Great loan modification after SIX years of not paying a mortgage. We are so happy that they were able to keep their home — and afford it!


PHH Loan Modifications
Lender: PHH - [ID: #0001](Click Here To View PDF)
Before: Past due $26,083.02 to PHH with a monthly mortgage payment of $1,903.24 PITI, and an interest rate of 4.375%. The home was in foreclosure.
Trial Loan Modification: Approved by Fannie Mae for a trial plan with new monthly mortgage payments of $1,288.09 and the foreclosure was halted.
Final Loan Modification: The foreclosure was dismissed, and the loan was permanently modified with a new monthly mortgage payment of $1,383.75 PITI and an fixed interest rate of 5%, saving the homeowners $519.49 per month.


PNC Loan Modifications
Lender: PNC - [ID: #0001](Click Here To View PDF)
Before: Borrower was $11,755.52 past due and in an active foreclosure with a sale date. Monthly payment was $1,343.17 PITI with an interest rate of 6.25%.
After: Borrower's sale date was CANCELED and borrower was given a fresh start. New payment is $1,319.11 PITI and interest rate is 6.25% fixed for the life of the loan. The term has been extended to 40 years and they provided only a $1,506.11 initial deposit.


Quantum Servicing Loan Modifications
Lender: Quantum Servicing - [ID: #0001](Click Here To View PDF)
Before: Borrower was 3 months past due with an interest rate of 10.99% and a monthly principal and interest payment of $658.00.
After: Monthly payment was reduced to $471.05 PI ($185.95 savings per month) and was given a 7.0% fixed interest rate in a traditional modification.


Saxon Loan Modifications
Lender: Saxon - [ID: #0001](Click Here To View PDF)
Before: Borrower was 8 months past due with an interest rate of 7.75% adj. P&I Payment was $5,764.02.
After: New interest rate is 1.75% for 5 years. PITI is $4,647.52. Down payment of $1,915.06 and first payment due 5/1/2009. Savings of $1,529.50/month.

Lender: Saxon - [ID: #0002](Click Here To View PDF)
Before: PITI payment $2,727.40, 10.75% Sale dates 5/6/2009 and extended to 6/10/2009.
After: PITI payment $1533.50, new rate 2%, no good faith deposit required.

Lender: Saxon - [ID: #0003](Click Here To View PDF)
Before: Payment $569.87, sale date scheduled for 5/27/2009.
After: Trial plan of 3 payments to modify for Obama’s Making Homes Affordable plan, new PITI payment $544.81, payment plan began 6/1/2009. Homeowner kept their home with no good faith deposit required.

Lender: Saxon - [ID: #0004](Click Here To View PDF)
Before: Borrower was 3 months past due with an interest rate of 7.5% and monthly payment of $2,832.29 PITI.
After: Borrower was placed on 3 month trial plan with a monthly payment of $1,273.64 ($1,558.62 savings) within a month from the start of the process. After the 3rd month, the borrower will be placed in a final modification with a monthly payment of $1,217.31 for 5 years with an interest rate of 2%. The interest rate will change to 3% the 6th year, 4% the 7th year and 4.75% for the life of the loan and the $29,500 principal was deferred to the back of 40 year term.


SPS Loan Modifications
Lender: SPS - [ID: #0001](Click Here To View PDF)
Before: Monthly payment with principal, interest and insurance $3,561.13 with 11.550% ARM interest, 9 months past due, with a scheduled sale date.
After: New monthly payment $2,193.21 (PITI), with fixed 6.00% interest rate for life of the loan, saving $1368 per month.

Lender: SPS - [ID: #0002](Click Here To View PDF)
Before: Monthly payment $1,924.01, with $42,763.00 past due.
After: Three month reinstatement plan with payments of $1,924.01, $1,209.05 and $1,209.05 during modification to show borrower's good faith.

Lender: SPS - [ID: #0003](Click Here To View PDF)
Before: Borrower is 6 months behind, with monthly PITI payments of $1,552.09, 9.6% fixed interest rate, with $8,062 past due. Loan balance is $145,256.20.
After: New monthly payment is ZERO ($0). SPS has accepted a settlement in the form of one $3,500 payment. Borrower no longer has to pay their mortgage. Wow!

Lender: SPS - [ID: #0004](Click Here To View PDF)
Before: Borrower was 8 months behind with monthly P&I payments of $1,374.39 with 9.125% fixed interest rate. Taxes and insurance were $769.15 monthly for total monthly payments of $2,143.54. Borrower was $12,862.95 past due.
Offer: Borrower was offered a special forbearance plan with 3 month payments of $1,374.39.
Settlement: SPS offered to settle the loan, with balance of $176,392.70 for $63,000.00. Customer chose this instead of the modification. Borrower will no longer have a mortgage on their property! New monthly payment is $0.00.


Space Coast Federal Credit Union Loan Modifications
Lender: Space Coast Federal Credit Union - [ID: #0001](Click Here To View PDF)
Before: Borrowers were $11,432.14 past due and they had a 6.25% interest rate loan with a monthly payment of $2,396.02.

After: Borrower's new payment is $1,584.23 PITI ($811.79 savings). Their new interest rate is fixed at 2.00% for the first 5 years, 3.00% the 6th year, 4.00% the 7th year, and 4.50% for the remaining life of the loan.


SunTrust Loan Modifications
Lender: SunTrust - [ID: #0001](Click Here To View PDF)
 
 

Lender: Suntrust - [ID: #0002](Click Here To View PDF)
Before: Property in foreclosure and past due $20,623.00.
After: Approved for a 3 month trial plan with payments of $914.37, saving $623.33 per month.

Lender: Suntrust - [ID: #0003](Click Here To View PDF)
Before: Borrower was 3 months past due with a fixed interest rate of 6.25% and a monthly PITI payment of $1,071.59.
After: Borrower was approved for a traditional modification with a fixed 5% interest rate and monthly payments were reduced to $968.66.


Taylor, Bean, & Whitaker Loan Modifications
Lender: Taylor, Bean & Whitaker - [ID: #0001](Click Here To View PDF)
Before: Had a past due amount of $7,897.86.
After: Past due amount was added to be back of the loan, good faith deposit of $1,547.85. Client is now current and can afford monthly payments.


Universal Bank Loan Modifications
Lender: Universal - [ID: #0001](Click Here To View PDF)
Currently Updating!
 


US Bank Loan Modifications
Lender: US Bank - [ID: #0001](Click Here To View PDF)
Before: Borrower was 7 months past due and in foreclosure. Monthly PITI payment was $2,195.12 with 6.5% fixed interest rate.
After: Approved for a 3 month trial plan during modification with payments of $1,798.42 PITI, currently saving $396.70 per month.


USDA Loan Modifications
Lender: USDA - [ID: #0001](Click Here To View PDF)
 
 


USDA Loan Modifications
Lender: Vericrest - [ID: #0001](Click Here To View PDF)
Before: Borrower had an ARM with a rate of 6.25% and monthly payments of $2,239.83.
 After: Borrower's mortgage was brought current and lender forgave $7,000 in arrearage. His monthly payments were reduced to $2,063.71 PITI ($176.12 savings per month).


Wachovia Loan Modifications
Lender: Wachovia - [ID: #0001](Click Here To View PDF)
Before: P&I payment $1,121.27, interest rate of 6.620%, principal balance $324,493.94.
After: P&I payment $919.88 for 2 years with 4.25% interest rate. Rate gradually increases 0.25% until max rate of 6.44% for the life of the loan. Balance reduced to $259,729.21 (20%).

Lender: Wachovia - [ID: #0002](Click Here To View PDF)
 
 

Lender: Wachovia - [ID: #0003](Click Here To View PDF)
Before: Borrower was current and had a Negative Amortization ARM with a monthly payment of $1,226.42 PITI.
After: Borrower received a new monthly payment of $1,037.63 PITI ($188.79 savings) and an interest rate of 2.988% fixed for 3 years. The interest rate will change to 3.988% the 4th year and 4.988% the 5th year for the life of the loan. He received a principal reduction of $32,000.

Lender: Wachovia - [ID: #0004](Click Here To View PDF)
Before: Borrower had an Option ARM (NegAm) loan with an interest rate of 6.930% and monthly payment of $1,628.38 PITI.
After: Borrower received a fixed rate loan with a monthly payment of $1,437.73 PITI ($190.65 savings) and an interest rate of 3.730% for the first 5 years, 4.750% 6th year and for the life of the loan.

Lender: Wachovia - [ID: #0005](Click Here To View PDF)

Before: Borrower was $33,723.30 past due with an escrow shortage of $2,655.13 and was in an active foreclosure. Monthly payments were $759.72 PITI on a 7.00% interest rate, ARM loan.

Trial Loan Modification: 3 months starting on 10/1/10 with a monthly payment of $ 1,384.27 PITI.
Final Loan Modification: New payment of $1,384.61 and a new interest rate of 3.88% for 5 years and will change to 4.50% on the 6th year through the remaining life of the loan. The $33,723.30 past due monies were place at the back of the loan.


Washington Mutual Loan Modifications
Lender: Washington Mutual Bank - [ID: #0001](Click Here To View PDF)
Before: Borrower 9 months past due, owing $19,703.02. 10.70% interest rate, monthly payment $2,773.71.
After: Trial plan for 3 months. No good faith deposit required. New payment is $860.72.

Lender: Washington Mutual Bank - [ID: #0002](Click Here To View PDF)
Before: Borrower behind by $21,291.20. Interest rate 6.875%, P&I payment $1,607.59, taxes and insurance $195.83.
After: Trial plan for 3 months. No good faith deposit required. New payment is $1,748.40 with taxes & insurance included.

Lender: Washington Mutual Bank - [ID: #0003](Click Here To View PDF)
Before: Previous payment of $2,741.53 PITI. Borrower was past due 6 months, owing $17,562.04. Property was in foreclosure.
After: Special forbearance plan: New monthly payment $2,270.15 PITI for 3 months. No good faith deposit required.

Lender: Washington Mutual Bank - [ID: #0004](Click Here To View PDF)
Before: 12.15% adjustable interest rate, mortgage payment of $904.95 (principal and interest). Timothy was also 3 months behind on his mortgage, in foreclosure and owed the lender $6,695.61 in late charges and attorney fees.
After: Timothy was approved for a “step up” program. For the first year the rate was lowered to 6.05% and a payment (principal and interest) of $413.00. For the second year the rate was lowered to 6.05% and a payment (principal and interest) of $573.50. For the third year the rate was lowered to 9.70% and a payment (principal and interest) of $751.00

Lender: Washington Mutual Bank - [ID: #0005](Click Here To View PDF)
 
 

Lender: Washington Mutual Bank - [ID: #0006](Click Here To View PDF)
 
 

Lender: Washington Mutual Bank - [ID: #0007](Click Here To View PDF)
Before: Monthly payments of $1,582.00. Borrower was 6 months past due.
After: New payment is $1,197.18, 3 month trial plan during modification saves borrower $384.82 monthly.


Wells Fargo Loan Modifications
Lender: Wells Fargo - [ID: #0001](Click Here To View PDF)
Before: Past due 9 months. Fixed 6% interest rate. Payment $641.18.
After: No good faith deposit required. Three month trial plan monthly payments of $494.11.

Lender: Wells Fargo - [ID: #0002](Click Here To View PDF)
Before: PITI Payment $757.08 with a sale date 06/09/2009.
After: Three month payment plan, payments of $645.79.

Lender: Wells Fargo - [ID: #0003](Click Here To View PDF)
Before: Interest rate 9.375% PITI payment $696.86, payments were 4 months past due.
After: New interest rate 5.25% fror the life of the loan. Contribution of $2,687.96 required. New payment is $545.08, savings of $151.78 per month.

Lender: Wells Fargo - [ID: #0004](Click Here To View PDF)
Before: Previous payment of $1,700.00, past due $9,935.00. Sale date was scheduled for 08/04/2009.
After: New payment is $850.00 with escrows included. First payment due 8/14/2009 through 2/14/2010. Monthly savings of $850.00.

Lender: Wells Fargo - [ID: #0005](Click Here To View PDF)
Before: Previous PITI $4,010.80, 5.75% fixed interest rate. Past due for 4 months, owing $16,043.20.
After: Three month trial plan with payments of $2,974.34 starting October 1, 2009. Savings of $1,036.46 per month. Final modification will be approved after trial plan is completed.

Lender: Wells Fargo - [ID: #0006](Click Here To View PDF)
 
 

Lender: Wells Fargo - [ID: #0007](Click Here To View PDF)
Before: Borrower had missed 4 mortgage payments, owing $6,900.
After: No arrearage due during modification process, borrower has resumed normal payments.

Lender: Wells Fargo - [ID: #0008](Click Here To View PDF)
Before: Monthly payment was $2,746.94 PITI.
After: Borrower is granted a 3 month trial plan with new payment of $1,424.15 PITI. After 3 timely payments, final modification will be negotiated.

Lender: Wells Fargo - [ID: #0009](Click Here To View PDF)
Before: PITI payment was $1648, borrower is 5 months past due, owing $8,573.78
After: No good fait deposit is required, trial plan to a complete mondification with monthly payments of $1640. Small monthly savings, but the borrower is now able to make payments and keep their home.

Lender: Wells Fargo - [ID: #0010](Click Here To View PDF)
 
 

Lender: Wells Fargo - [ID: #0011](Click Here To View PDF)
 
 

Lender: Wells Fargo - [ID: #0012](Click Here To View PDF)
Before: Mortgage payment was $2,290.47 PITI with 7.5% interest rate. Borrower was $24,190.40 past due.
After: Borrower is granted a 3 month forbearance plan with payments of $1,982.82. Payment savings of $307.65 per month.

Lender: Wells Fargo - [ID: #0013](Click Here To View PDF)
Before: Monthly payments of $2,029.14, past due $8,766.02
After: New payment is $2,016.80 for 3 months while modification is in review.

Lender: Wells Fargo - [ID: #0014](Click Here To View PDF)
Before: Borrower was 6 months past due and in foreclosure. Original payment $1,336.69 PITI with 7.0% fixed interest rate.
After: Granted a 3 month special forbearance toward modification. Three monthly payments of $1,395.97 and then final modification will be granted. Foreclosure is on hold during this time.

Lender: Wells Fargo - [ID: #0015](Click Here To View PDF)
Before: Borrower was 13 months past due and in foreclosure, owing $23,493.72. PITI payment $1,658.81 with 5.5% interest rate.
After: Traditional modification with down payment of $2,888.81. Monthly payments remain the same and maturity date is extended 10 years. Borrower can keep their home!

Lender: Wells Fargo - [ID: #0016](Click Here To View PDF)
Before: Borrower was one month past due. Monthly PITI payment was $1,313.00, with 8.75% interest.
Trial Loan Modification: Three month trial plan with monthly payments of $939.00, monthly savings of $376.60
Final Loan Modification: Borrower completed Trial plan and Final Modification is granted. New monthly PITI payment is $995.31 with fixed 4.875% interested. Monthly savings of $317.69.

Lender: Wells Fargo - [ID: #0017](Click Here To View PDF)
Before: Borrower was 14 months past due and foreclosure proceedings had been started. Monthly PITI payments were $1,706.42 with a fixed 7.375% interest rate.
After: Borrower received a traditional modification and monthly payments were reduced to $1,372.11 ($334.31 savings per month). Interest rate was lowered to 4.75% for the life of the loan, and foreclosure was suspended.

Lender: Wells Fargo - [ID: #0018](Click Here To View PDF)
Before: Borrower was current, hadn't missed any payments. Borrower had a fixed interest rate of 5% and monthly payments of $1,866 PI.
Trial Loan Modification: Borrower was granted a 4 month forbearance plan with payments of $1,293.14 per month.
After: Borrower successfully completed the forbearance and was approved for a final modification with an interest rate starting at 2.375% for 5years, than 3.375% for 2 years and finally 4.375 for the life of the loan. Monthly payments were reduced to $1,303.81 ($562.19 savings per month for the first 5 years).

Lender: Wells Fargo - [ID: #0019](Click Here To View PDF)
Before: Borrower was past due $13,885.30 with monthly PITI payments of $1,383.91 and 6.250% interest. Foreclosure sale date had been scheduled.
Trial Loan Modification: Three month trial plan with monthly payments of $1,355.64.
After: Borrower successfully completed trial plan and was granted a final modification. Sale date was canceled and Wells Fargo brought the account to current status without requiring a good faith deposit. New monthly payment is $1,263.88 with 4.75% fixed interest rate ($120.03 savings per month and a fresh start).

Lender: Wells Fargo - [ID: #0020](Click Here To View PDF)
Before: The borrower was six months behind on making mortgage payments with a past due amount of $5,118.05. He had a 6.25% fixed interest rate and his monthly mortgage payments were $1,058.44 (PITI).
Trial Loan Modification: The borrower received a three month trial loan modification with monthly payments of $903.98 (monthly savings of $154.46).
After: The borrower received a final loan modification with a fixed interest rate of 4.875% and a reduced monthly loan payment of $911.53 (PITI). This is a monthly savings of $ 146.91. The borrower received a fresh start and now can afford to pay their mortgage.

Lender: Wells Fargo - [ID: #0021](Click Here To View PDF)
Before: Borrower was past due, owing Wells Fargo $19,654.07. Monthly mortgage payments were $3,674.46 and it was an adjustable rate mortgage, currently at 6.99%.
After: Borrower was granted a traditional loan modification and the past due balance was placed at the back of the loan. New payments are $2,401.57, with a fixed interest rate of 3%, this is a monthly savings of $1,272.89!


Lender: Wells Fargo - [ID: #0022](Click Here To View PDF)
Before: After two unsuccessful loan modifications with Wells Fargo in the last two years, borrower was again 7 months behind, owing $8,197.25.
After: Brought current with a new loan modification. Borrower is required to make a down payment of $1,600.00, but is granted a new monthly mortgage payment of $1,203.52 with a 4.25% fixed interest rate.


Wilshire Loan Modifications
Lender: Wilshire - [ID: #0001](Click Here To View PDF)
Before: Previous payment of $3,500 P&I only. Borrower was 9 months past due and in active foreclosure.
After: Three month payment plan, new payment of $2,942.44. Final modification will be approved after completion of trial plan.

Lender: Wilshire - [ID: #0002](Click Here To View PDF)
Before: Monthly payment of $3,464.51 PITI with 8.20% interest rate. Past due amount of $29,786.27.
After: Three month trial plan with payments of $1,846.52, saving $1,617.99 per month.

Lender: Wilshire - [ID: #0003](Click Here To View PDF)
Before: Borrower was $13,000.00 past due and in foreclosure with a sale date. Monthly PIT payment $2,155.90 with 7.625% ARM.
After: Property saved from foreclosure and sale date canceled. Approved for a 3 month trial plan with fixed interest rate of 4.45%, monthly payments of $1,712.26. Final modification will be approved after 3 payments.