Results Obtained

Property AddressLoan Modification ResultsSavingsPercentage
Before:After:Per MonthSavings
Aliso Viejo, CA$5,100.40$4,323.05$777.3515.24%
Alpine, CA$4,244.22$2,895.70$1,348.5231.77%
Anaheim, CA$3,187.43$1,866.01$1,321.4241.00%
Bartlett, IL$3,489.17$2,298.48$1,190.6934.13%
Bonita, CA$5,500.00$3,315.32$2,364.6843.00%
Canyon Country, CA$3,764.89$2,502.20$1,262.6934.00%
Carlsbad, CA$5,390.18$4,572.91$817.2715.00%
Carlsbad, CA$4,383.40$3,079.79$1,303.6130.00%
Carlsbad, CA$2,973.00$2,478.00$495.0017.00%
Carlsbad, CA$5,459.30$3,752.26$1,707.0431.27%
Carlsbad, CA$4,497.91$2,387.47$2,110.4446.92%
Carlsbad, CA$4,234.56$2,951.08$1,283.4830.31%
Carmel Valley/San Diego, CA$5,489.00$4,087.00$1,402.0026.00%
Carmel Valley/San Diego, CA$992.09$328.68$663.4167.00%
Chula Vista, CA$2,477.64$1,431.18$1,046.4642.00%
Chula Vista, CA$7,009.71$5,437.49$1,572.2222.00%
Chula Vista, CA$3,509.00$2,651.00$857.0024.00%
Chula Vista, CA$3,315.00$2,402.00$913.0027.54%
Chula Vista, CA$3,240.00$2,396.00$844.0026.04%
Chula Vista, CA$5,359.28$3,814.62$1,544.6628.82%
Chula Vista, CA$717.00$346.00$371.0051.74%
Chula Vista, CA$3,532.84$2,548.03$984.8127.88%
Chula Vista, CA$4,758.00$3,130.00$1,600.0034.21%
Chula Vista, CA$2,363.88$1,916.37$447.5119.00%
Chula Vista, CA$1,764.54$1,563.30$201.2411.00%
Corona, CA$3,529.09$2,586.12$942.9727.00%
Daly City, CA$3,376.00$2,690.00$686.0020.32%
Del Mar, CA$3,252.86$2,405.00$847.8626.07%
Del Mar, CA$4,998.00$4,061.00$937.0019.00%
Diamond Bar, CA$3,729.00$2,406.00$1,323.0035.00%
El Cajon, CA$2,481.00$1,787.00$694.0028.00%
El Cajon, CA$2,316.70$1,647.04$669.6628.91%
El Cajon, CA$2,579.00$1,960.00$619.0024.00%
El Cajon, CA$2,585.50$1,827.00$758.5030.00%
El Cajon, CA$2,887.00$1,014.00$1,773.0036.00%
Encinitas, CA$5,498.88$3,007.28$2,491.6045.00%
Escondido, CA$4,749.00$3,104.00$1,378.0031.00%
Escondido, CA$3,597.00$2,727.00$870.0024.00%
Escondido, CA$2,759.00$1,610.00$1,149.0042.00%
Escondido, CA$1,996.59$1,599.62$396.9720.00%
Escondido, CA$2,897.57$2,466.14$431.4315.00%
Escondido, CA$3,005.00$1,980.00$1,026.0034.00%
Escondido, CA$4,481.00$3,104.00$1,377.0030.73%
Escondido, CA$2,745.00$2,038.00$707.0026.00%
Escondido, CA$3,693.38$2,566.87$1,126.5130.50%
Fallbrook, CA$3,492.75$2,418.93$1,073.8230.74%
Fallbrook, CA$2,455.66$1,566.15$889.5136.00%
Hanford, CA$2,343.00$1,485.00$857.0037.00%
Indio, CA$1,754.61$1,256.59$500.0040.00%
Imperial Beach, CA$1,980.00$1,300.00$680.0034.00%
Jamul, CA$2,111.00$1,334.00$777.0037.00%
La Jolla, CA$5,562.00$4,436.00$1,286.0021.00%
La Jolla, CA$4,600.00$3,286.02$1,313.9828.56%
La Jolla, CA$5,500.00$3,603.26$1,896.7434.49%
La Mesa, CA$4,535.00$3,212.00$1,324.0030.00%
Las Vegas, NV$1,323.00$675.00$647.0049.00%
Menifee, CA$3,199.31$2,529.99$669.3220.92%
Menifee, CA$2,555.74$1,869.59$686.1526.85%
Murrieta, CA$1,546.00$989.00$557.0036.00%
Murrieta, CA$2,299.20$1,585.76$713.4431.03%
National City, CA$2,518.89$1,682.86$836.0333.00%
National City, CA$2,674.00$2,245.00$429.0016.00%
National City, CA$3,383.00$2,666.00$717.0021.20%
National City, CA$2,747.30$1,762.66$984.6435.84%
Oakland, CA$2,832.00$1,580.00$788.0016.00%
Oakland, CA$2,831.91$2,368.27$463.6716.00%
Oceanside, CA$3,519.78$2,650.84$868.9425.00%
Oceanside, CA$2,458.00$1,696.00$762.0031.00%
Oceanside, CA$1,548.00$1,210.00$338.0021.83%
Oceanside, CA$5,104.17$3,887.08$1,217.0923.85%
Oceanside, CA$3,756.59$2,438.42$1,318.1735.09%
Oceanside, CA$1,514.71$793.06$721.6547.64%
Oceanside, CA$3,431.04$2,549.61$881.4325.69%
Oceanside, CA$3,440.00$2,550.00$881.0025.87%
Palmdale, CA$3,087.59$1,573.62$1,513.9749.00%
Poway, CA$4,769.00$3,370.00$1,399.0029.00%
Poway, CA$3,972.38$2,046.00$1,926.3848.49%
Poway, CA$4,800.00$3,626.00$1,174.0024.46%
Ramona, CA$2,873.00$2,262.36$610.6421.00%
Rancho Bernardo, CA$2,100.00$1,490.00$608.0029.00%
Riverside, CA$6,072.00$4,295.00$3,142.0042.00%
San Diego, CA$4,097.16$3,121.09$976.0724.00%
San Diego, CA$5,112.00$3,520.00$1,592.0031.00%
San Diego, CA$3,334.00$1,900.00$1,434.0043.00%
San Diego, CA$3,072.00$2,029.00$1,043.0034.00%
San Diego, CA$2,478.00$1,432.00$1,046.0042.00%
San Diego, CA$3,706.00$2,738.00$968.0026.00%
San Diego, CA$6,091.77$4,925.62$1,166.1519.00%
San Diego, CA$890.90$486.66$404.2455.00%
San Diego, CA$2,674.00$2,245.00$429.0016.00%
San Diego, CA$7,610.00$5,020.00$2,590.0034.00%
San Diego, CA$2,659.00$2,096.00$563.0021.17%
San Diego, CA$2,063.60$715.94$1,347.6665.31%
San Diego, CA$2,459.33$1,504.79$954.5438.81%
San Diego, CA$3,364.61$1,553.32$1,811.2953.83%
San Diego, CA$4,136.67$3,597.09$539.5813.04%
San Diego, CA$4,152.44$1,826.04$2,326.4056.02%
San Diego, CA$2,477.30$1,673.57$803.7332.44%
San Diego, CA$2,078.46$794.81$1,283.6561.76%
San Diego, CA$2,613.94$1,991.23$622.7123.82%
San Diego, CA$3,742.30$2,826.18$916.1224.48%
San Diego, CA$3,548.57$2,325.00$1,223.5734.48%
San Diego, CA$1,934.00$1,429.00$505.0026.00%
San Diego, CA$2,932.93$2,368.69$564.2419.00%
San Diego, CA$2,247.79$1,345.93$901.8340.00%
San Diego, CA$4,266.68$3,202.11$1,064.5725.00%
San Diego, CA$2,341.21$1,724.76$616.4526.00%
San Juan Capistrano, CA$2,520.00$1,489.00$1,031.0040.91%
San Marcos, CA$3,360.00$2,542.00$818.0024.35%
San Marcos, CA$2,025.93$1,258.63$767.3037.87%
San Marcos, CA$4,080.30$2,620.94$1,459.3635.77%
San Marcos, CA$3,495.35$1,735.78$1,759.5750.34%
Spring Valley, CA$2,320.00$1,550.00$870.0038.00%
Tarzana, CA$2,601.21$1,688.21$913.0035.10%
Valley Center, CA$3,770.00$3,441.00$358.0010.00%
Valley Center, CA$4,200.00$3,411.00$789.0019.00%
Valley Center, CA$4,147.31$3,469.71$677.6016.00%
Vista, CA$1,864.95$1,242.37$622.5833.00%
Wildomar, CA$2,034.78$1,464.89$569.8928.01%


Beginning in late 2011/early 2012, more and more lenders have been giving principal reduction as a part of a clients' loan modifications.  Examples include:

Property AddressPrincipal Owed Before ModificationAmount of Principal ReductionPercentage of Principal Reduction
Chula Vista, CA$550,258.00$89,500.0016.26%
Chula Vista, CA$672,000.00$199,000.0029.61%
Del Mar, CA$174,292.00$84,357.0048.39%
Escondido, CA$650,656.00$386,000.0059.32%
Escondido, CA$331,201.64$50,856.1115.35%
Escondido, CA$682,000.00
$308,000.0045.16%
Escondido, CA$526,800.00$322,857.0061.28%
Fallbrook, CA$598,000.00$243,000.0040.63%
La Jolla, CA$1,384,000.00$349,000.0025.21%
Las Vegas, NV$491,260.00$285,413.0058.09%
Oceanside, CA$773,000.00$299,000.0037.42%
Oceanside, CA$350,000.00$240,000.0068.57%
San Diego, CA$574,000.00$370,000.0064.45%
San Diego, CA$675,000.00$369,000.0054.66%
University City/San Diego, CA$280,450.00$42,500.0015.15%
Vista, CA$570,000.00$137,000.0024.03%

* The foregoing lists represents the results obtained for some of the Law Offices' clients. These results are highly dependent on the facts of each client's financial situation, including the amount owed by the client, the client's prior loan modification attempts, the market value of the property, the individual practices of each client's lender and other factors that are the subject of loan analysis before application. They are not indicative of the results that may be obtained for any particular client and they are not representative of what result may be obtained for any particular client, nor what result may be obtained for any particular lender.


The Law Office of Michael E. Ripley focuses on loan modifications and serves clients throughout Southern California, including the East County and North County areas in San Diego, California, which includes: the cities of San Diego, Del Mar, La Jolla, Carmel Valley, Chula Vista, El Cajon, Carlsbad, Oceanside and San Diego County.