Top
FHA-HAMP Modifications

Philadelphia FHA-HAMP Modification Lawyer

Loan Modification Attorney for FHA-HAMP Modifications

Due to the mortgage crisis that crippled the housing market a few years ago, the government created a program by which homeowners and lenders could mutually benefit from a restructuring or modification of your mortgage debt. The FHA-HAMP program, or Home Affordable Modification Program, allows eligible homeowners to negotiate a modification of their FHA-insured (in other words, a Freddie Mac or Fannie Mae insured mortgage) first mortgages in order to reduce their monthly payments and avoid an imminent foreclosure.

The program does not extend to second mortgages. At the Law Office of Michael P. Forbes, PC, I am thoroughly versed and familiar with the terms of the government's program, and I have assisted many homeowners in successfully modifying the terms of their mortgages in order to remain in their homes and avoid foreclosure. Be careful not to fall prey to scammers who promise to negotiate with your lender on your behalf. Always consult with an experienced and competent Philadelphia loan modification attorney if you have questions about avoiding foreclosure.

Help with Eligibility in Pennsylvania

In order to have your mortgage modified, you will have to prove to the lender that you are capable of making the new mortgage payment amount by completing a three-month trial period of payments. If you are offered the trial payment period, and you do not successfully complete the trial period by making your payments fully and on time, you will no longer be eligible for the modification program under its terms. Thousands of homeowners across the country have availed themselves of this new program since its inception and have successfully avoided foreclosure. If you want to stay in your home, and can afford a lower monthly payment, please get in touch with our professional team – we care and we work hard for those we serve.


Schedule a free initial consultation today. We can assess your situation and determine whether or not a HAMP modification is right for you.


Our Values Helping You Avoid Bankruptcy
  • Proactive

    My goal is to reach as many people as possible to let them know that they do have the option to combat collection agency bullies.

  • Committed
    My firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.
  • Knowledgeable

    Over 25 years of experience and the qualifications to fight for you and your rights.

  • Power

    We fight back and make the debt collector pay YOU money for their abusive, harassing behavior.

Free Consultations Available Contact Our Offices

Whether you have questions or you’re ready to get started, our legal team is ready to help. Complete our form below or call us at (610) 991-3321.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.

Our Valued Clients Share Their Thoughts

  • "He Got Me Out of a Financial Mess"
    Jerry Timlin
  • "They are very straight forward and told us what to expect each step of the way. They are tireless advocates for their clients and profession."
    RD & AD
  • He managed to focus on the best outcomes for my family and our business

    TH
  • "Fought for Me Like No Other. He's One of the Good Ones."
    J.W.
  • I trust Michael and as a result I highly recommend him.

    Heather C.
  • "Someone You Definitely Want in Your Corner"
    J.C.
  • "Credit Report Inaccuracy Threatened My Promotion"
    R.T.
  • Michael P Forbes Photo
    Michael P Forbes

    VOTED AS ONE OF PENNSYLVANIA'S TOP LAWYERS

    Mr. Forbes has always been driven by the desire to help others. With that in mind he began his law career representing indigent families in the Philadelphia family law system for seven years.

    Let’s Make Bankruptcy your Last Resort!

    Read Full Bio