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Mortgage Loan Modification

Are you facing foreclosure because you are behind with your monthly mortgage payments? The loan modification Attorneys at the Law Offices of CHRISTINE THEA RUBINSTEIN and Associates can help you qualify for a mortgage loan modification by negotiating with your home mortgage lender. Your loan modifications can include a reduction of the interest rate, an extension of the time period to pay back your mortgage, a reduction of the outstanding principal mortgage balance, forgiveness of back taxes, mortgage default interest, and a forgiveness of the arrears and foreclosure fees is also possible. Oftentimes more than one condition of your mortgage loan modification agreement can be renegotiated. Our objective is to have your loan payment decreased to an amount that you can afford without causing you an undue financial hardship. The Attorneys at the Law Offices of CHRISTINE THEA RUBINSTEIN and Associates and Associates have been very successful at aggressively fighting the mortgage banks and helping homeowners achieve affordable mortgage loan modifications. While any homeowner can start a mortgage loan modification; the mortgage loan modification process can be very nerve-wracking to anyone who doesn’t have an attorney helping them.


Loan Modifications * Short Sale * Foreclosure & Bankruptcy Defense
Foreclosure Defense * Chapter 7 Bankruptcy * Chapter 13 Bankruptcy * Loan Mod Tips
Stopping Creditor Harassment * Debt Negotiation * Bankruptcy Litigation

Foreclosure defense will require the expertise of an experienced attorney with the backing from the right law firm. The attorneys at the law offices of CHRISTINE THEA RUBINSTEIN and Associates are not only trained in handling simple mortgage loan modification matters, we take care of complex foreclosure litigation in the event of a mortgage loan default in Nassau County, Suffolk County, Queens County, Bronx, Westchester, Richmond County Staten Island, Manhattan and Brooklyn Kings County New York.

Reasons why you should hire a loan modification attorney:

The thought of a looming foreclosure is enough to create stressful times for any family. Finding an adequate foreclosure defense solution can be a grueling process that nobody should have to battle alone. And to make matters even worse, we’ve seen far too many cases where lenders have told homeowners they qualify for a loan modification, only to deny them and foreclose anyway. Let the Foreclosure Defense Attorneys at the law offices of CHRISTINE THEA RUBINSTEIN and Associates help you save your family’s home from foreclosure.

1. There are far fewer loan modifications being granted than you might think.

To make matters worse, this actually happens far more often than not. In fact, according to research conducted back in 2010, we found that only 2% of HAMP funds were used to modify loans.

What that means is that the majority of people who have been led to believe they’re getting a loan modification are actually being set up for failure. The banks simply haven’t made enough progress in attempting to modify loans, and the government has not done much by the way of helping families get a loan modification.

2. Many homeowners were promised loan modifications only to be foreclosed on anyway.

Unfortunately, we have seen far too many several situations where homeowners were led to believe that the bank was working with them and trying to help them avoid foreclosure through a loan modification – and then went and foreclosed on them anyway.

3. On your own, a loan modification offer may just be a ploy by the bank to get you to stop fighting.

The prospect of facing foreclosure is terrifying enough for anyone, but putting your guard down and assuming you will be one of the lucky ones could actually be the response the lender is hoping to get out of you – only to make the foreclosure process easier for them. You could end up giving up valuable rights along the way while also reducing the amount of options you might have available for defense. And by the time you realize what’s happening, it may already be too late to do anything about it.

4. The bank can still foreclose or take away your rights to defense at any time.

We can’t be any clearer about this; just because the bank tells you that you will get a loan modification does not mean that you will get one. We have seen far too many instances of the exact opposite happening; after a mortgage lender promises a loan modification resolution. To make matters worse, many people don’t want to believe the offer that is too good to be is not real or true and is actually not a real offer that can be taken back.

5. A default judgment can be entered against you even if the bank says they are working with you.

If you still think the lender is going to grant you a loan modification in order to allow you to stay in your home, try asking them to tell you in writing that they will not take away any of your rights or foreclose on you while they’re working with you on the loan modification. And that is because they won’t.

6. Lenders are more likely to negotiate with you when you have legal representation.

When you hire a foreclosure defense law firm, the lender realizes immediately that you are not going to be just another simple summary judgment. They will have to take you and your attorney seriously as well as comply with New York banking and foreclosure law.

In many cases, lenders are simply unable to be reached while homeowners are sent on a wild goose chase trying to track down a party who can help them. And if they’re unwilling to work out a solution, hiring an attorney to represent you can certainly change their attitude. Your attorney will know exactly what negotiation techniques to use based on your specific case and situation in order to help you get a better deal.

7. An attorney will help prevent the risk of paperwork not being completed properly.

Many homeowners have great difficulties with the mortgage loan modification process partly due to the unverified information floating around on the internet and provided by non-attorneys in addition to the misleading information that is displayed by the media and other sources that desperate homeowner seek to believe in. The percentage of homeowners that actually get permanent modifications is very low, and to often homeowners are denied because they do not understand how to properly structure their case for a mortgage loan modification.

8. An attorney can get you a better deal with better terms and conditions for your mortgage loan modification.

Banks are in the business to turn a profit and make money, so even in those rare cases where they’re willing to work with a homeowner in a mortgage loan modification, they still need to make sure they’re getting something out of the deal. And their cut can often be quite substantial and come with additional terms and conditions homeowners simply won’t be able to meet – putting them right back into the path of foreclosure.

The reality is that most homeowners do not have the knowledge and resources needed to find success through the process. When you hire a mortgage loan modification attorney, you can be assured that your best interests are being looked out for.

9. An attorney can help prevent your loan mortgage modification application from being rejected.

We’ve seen more than one case where homeowners have had their loan modifications rejected. The reasons vary, but typically they fall into one of two situations – either it was not granted at all, or it was granted with terms the homeowner simply couldn’t meet.

When deciding to reject loan modifications, the most common reason we see is due to the fact that the mortgage bank or mortgage lender is in disagreement with what they think the borrower can afford to pay. They tend to expect a borrower to make unpleasant sacrifices and follow tight budgets that don’t allow for reasonable living conditions.

In cases where the loan modification was initiated, many rejections have ended up occurring because borrowers simply couldn’t meet the overbearing demands of the budget constraints – usually due to an unexpected hardship such as a vehicle breakdown or unemployment due to job loss.

Homeowners are also denied when they do not understand how to properly structure their case for a modification.

Our trained and qualified mortgage foreclosure attorneys are highly experienced at bringing the two parties together and aggressively securing the best mortgage loan modification plan for both the your mortgage lender and the homeowner. Your attorney will also be able to help you get a loan agreement that is better suited to your specific needs. And they can also make sure the payments are well within what you will be able to reasonably afford every month.

10. Our attorneys have the necessary experience to get you better results.


Hiring a trained mortgage loan modification attorney from the law offices of CHRISTINE THEA RUBINSTEIN and Associates can be your best defense in seeking the appropriate mortgage loan modifications options and results that you might not be able to get on your own. The mortgage loan modification process is extremely complex and can be extremely difficult to navigate with success. Many homeowners make serious mistakes along the way that hurt their chances and outcome.

You only have one opportunity to get it right, so it is very important that you make the right choice. Our attorneys know exactly what needs to be done, regardless of what situation you are presently in. You can count on us to be there with you, every step of the way.

How will the attorneys at CHRISTINE THEA RUBINSTEIN and Associates handle my mortgage loan modification?

  • Determine with you the maximum monthly mortgage payment you can afford to make given your current income if you were to receive a modification and recalculate that payment as necessary to ensure you are able to continue making any modified payment on a go forward basis.
  • Review with you your current household budget to determine whether you qualify for the programs made available by your investor/lender.
  • Review your particular financial situation in detail during the application process to ensure that we have obtained all relevant information necessary to review your case and maximize your prospects for a successful modification.
  • Take down your financial information so that we can match with the program guidelines set forth by your investor/lender.
  • Contact your lender to determine what mortgage loan modification programs are available and if you meet the particular guidelines of each program offered.

Upon obtaining the foregoing information, your mortgage loan processor at our law office will review the information with before submitting any documents with your mortgage bank.

Loan Modifications * Short Sale * Foreclosure & Bankruptcy Defense
Foreclosure Defense * Chapter 7 Bankruptcy * Chapter 13 Bankruptcy * Loan Mod Tips
Stopping Creditor Harassment * Debt Negotiation * Bankruptcy Litigation

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