Loan Modification Attorney & Lawyer

Behind on Your Mortgage? A Loan Modification Lawyer Can Help You Stay in Your Home.

Missed payments have a way of snowballing. One late notice becomes two, the calls from your servicer get more frequent, and suddenly foreclosure feels like it’s closing in. It doesn’t have to end that way. A loan modification restructures your existing mortgage, not a new loan, the same one, into terms you can actually afford. At Radow Law Group, our loan modification lawyers have spent years negotiating directly with servicers on behalf of homeowners across Nassau County, Suffolk County, Westchester, Queens, Brooklyn, the Bronx, and Manhattan, and we know what it takes to get an application approved instead of stalled.

What a Loan Modification Can Actually Change

A loan modification doesn’t erase what you owe, but it can make it manageable again. Depending on your servicer and your financial picture, our loan modification lawyers have secured:

• Reduced interest rates
• Extended repayment terms, lowering the monthly payment
• Arrears are capitalized into the loan balance instead of being demanded upfront
• Penalties, interest, and late fees waived
• Adjustable-rate or interest-only loans converted into fixed-rate loans

Why the Application Process Trips People Up

Here’s what most homeowners don’t realize going in: your servicer and the investor who actually holds your note both have to approve the modification, and each one has its own documentation standards. That typically means a hardship letter explaining your financial situation in the servicer’s specific format, current pay stubs, recent bank statements, and tax returns, all assembled correctly, the first time. Eligibility comes down to demonstrating genuine, ongoing financial hardship, a reduced income, a medical bill, or a business slowdown in a way that satisfies both the servicer’s and the investor’s criteria. Miss a form, submit an outdated statement, or write a hardship letter that doesn’t hit the mark, and the application stalls or gets denied. A loan modification lawyer keeps the process moving by staying on the servicer for status updates, confirming every document lands where it needs to, and making sure nothing sits in a queue longer than it should.

We’ve Done This With Nearly Every Major Servicer

Every mortgage servicer negotiates a little differently, and that experience matters more than most homeowners expect. Radow Law Group has negotiated loan modifications with Bank of America, Carrington Mortgage Services, CitiMortgage, HSBC Mortgage Services, JPMorgan Chase Bank, M&T Bank, Midland Mortgage Company, Nationstar Mortgage, Ocwen Financial Corporation, OneWest Bank/Indymac, PennyMac Loan Services, PNC Bank, Select Portfolio Servicing, Specialized Loan Servicing, US Bank, and Wells Fargo. That range means when you call a Radow Law Group loan modification lawyer, we’re not learning your servicer’s process for the first time; we’ve likely negotiated with them before.

If You’ve Already Been Denied, It’s Not Over

A denial isn’t the end of the road, but it does need a strategy. Our loan modification lawyers start by figuring out exactly why the application was rejected, since most denials come down to process failures rather than actual ineligibility, a missing document, an outdated bank statement, or a hardship letter that didn’t meet the servicer’s bar. From there, we can:

• Correct and resubmit the application with the gaps addressed
• File a formal appeal with updated financial information
• Explore alternatives like refinancing, forbearance, or other loss mitigation programs
• Coordinate with the foreclosure defense strategy if proceedings have already started, to buy time while the modification is reconsidered

You don’t have to decode a denial letter alone or guess at what comes next.

What Our Clients Say

“We were three months behind on our mortgage and starting to panic about foreclosure. The Radow Law Group took over communication with our servicer, got our arrears rolled into the loan instead of demanded upfront, and lowered our monthly payment to something we can actually manage. We’re still in our home because of them.”

— Liam

“Chase kept giving us the runaround for months when we tried handling the modification ourselves. Once Radow Law Group stepped in, they knew exactly what Chase needed and how their process worked. Our rate was reduced and our loan was converted to a fixed rate within a few months.”

— Patricia

“Chase kept giving us the runaround for months when we tried handling the modification ourselves. Once Radow Law Group stepped in, they knew exactly what Chase needed and how their process worked. Our rate was reduced and our loan was converted to a fixed rate within a few months.”

— Wayne

Frequently Asked Questions