Search Site
Menu
Understanding Loan Modification

Avoiding Foreclosure by Making Your Payment More Manageable

If you are having trouble making your mortgage payments, one solution may be to negotiate a loan modification with your mortgage lender. The attorneys at the Law Office of Jursinski & Murphy work with the lenders to negotiate a better deal for the homeowners.

Avoid foreclosure and reduce your mortgage payment to a more manageable amount. Our attorneys negotiate your  loan modification.

Loan Modification Help

In a loan modification, you and your lender agree to make a permanent change to one or more of the loan terms in order to make your mortgage payments more manageable for you. The modification of your mortgage loan can take several forms:

  • A lower interest rate
  • A fixed interest rate that will not go up
  • An extension of the term of the loan
  • The addition of missed payments to the balance of the loan
  • A reduction of the principal balance owed

A loan modification may be the right choice for you in these circumstances:

  • You want to stop or avoid foreclosure proceedings
  • You have fallen behind on your mortgage payments
  • You do not qualify for refinancing
  • You need to lower your mortgage payment
  • You owe more than your house is worth

The Law Office of Jursinski & Murphy helps you determine if a loan modification is the right choice for you. Speak with our attorneys if you believe you are in danger of foreclosure.

Call 1 (877) 291-3926 to discuss your options for a loan modification.

Kevin F. Jursinski, B.C.S. Attorney Photo
Kevin F. Jursinski, B.C.S.
Senior Partner

Kevin F. Jursinski is recognized by the objective rating services of Martindale Hubbell as one of Southwest Florida's premier attorneys. He has concentrated more than 40 years of practice in the area of real estate, business and construction law in Naples and Fort Myers.

Kara Jursinski Murphy, LL.M., B.C.S. Attorney Photo
Kara Jursinski Murphy, LL.M., B.C.S.
Partner

Firm Partner, Kara Jursinski Murphy, focuses her area of practice on Real Estate Litigation, Business Litigation, Construction Litigation and Real Estate and Business Transactional Law. Kara has earned the highly-esteemed designation of Board-Certified Specialist (B.C.S.) and Expert in Real Estate by the Florida Bar.   This certification recognizes attorneys who have special knowledge, skills and proficiency in various areas of law, including Real Estate, and professionalism and ethics in practice... 

W. Ryan Murphy, Esq. Attorney Photo
W. Ryan Murphy, Esq.
Partner

W. Ryan Murphy focuses his practice in the areas of Real Estate and Construction law.

Mark R. Wagner, Esq. Attorney Photo
Mark R. Wagner, Esq.
Senior Associate

Mark R. Wagner focuses his practice in the areas of Real Estate, Business and Construction law.

Reviews
  • lawyers
    5.0/5.0

    Kara is a very professional attorney. Diligent, responsive, and high attention to detail. She is worthy of the highest rating.

    Read more

    Junior Partner

  • lawyers
    5.0/5.0

    Very detailed and always well prepared. Practical to work with on issues that don't truly affect the clients. Excellent courtroom skills. I'm always comfortable referring a client over to her.

    Read more

    Managing Partner

  • lawyers
    5.0/5.0

    Has tremendous analytical skills and temperament for litigator.

    Read more

    Attorney

  • lawyers
    5.0/5.0

    Kara Murphy doesn't give up. Ever. She is smart and tenacious.

    Read more

    Member

  • lawyers
    5.0/5.0

    Kara is energetic, incisive, and excellent.

    Read more

    Shareholder

See all reviews
in the news
  • Cape Coral police seize hundreds of illegal slot machines from 2 arcades

    Gulfcoast News, October 9, 2025

    Cape Coral police confiscated 139 illegal slot machines and $176,000 from two arcades, sparking community reactions and highlighting legal loopholes.

    See Video

    Read More
  • North Naples woman worries tall trees may damage her home during storms

    WINK News, September 19, 2025

    A Naples woman worries about the tall trees in her neighbor's yard that could fall onto her property during a storm.

    See Video

    Read More
  • Fort Myers attorney reveals new insights in JFK assassination book release

    WINK News, September 5, 2025

    A Fort Myers attorney has published a new book that revisits the assassination of President John F. Kennedy and the role of an American army officer who was involved with the Soviets at the time.

    See Video

    Read More
  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
Contact us

Important Notice and Disclosure. While we welcome inquiries about potential representation, please do not send any confidential information about any matter before we agree to represent you in that matter or we request information. Pursuant to Opinion 07-3, dated January 16, 2009, any information sent to us unilaterally may not be treated as confidential information and, depending on the circumstances, could be used against the person sending the information. Accordingly, before sending any confidential information to us, please contact us so that we may determine if we have any conflicts of interest and if we are otherwise able to represent you.

Quick Contact Form

Please fill out form below and one of our attorneys will contact you.
});