About Joseph

For the first time in one place, this book outlines the footprint along with a step-by-step procedure to fully understand the Mortgage Modification process.

Joseph Romanello is a practicing attorney; however this book is NOT a legal document, nor does it have any association or affiliation with Mr. Romanello’s law firm.

One of Mr. Romanello’s law firm practice areas is Mortgage Modifications and foreclosure defense. Mr. Romanello has secured hundreds and hundreds of Mortgage Modification application approvals since the onset of the 2007 mortgage crisis.

Mr. Romanello has spent thousands of hours filing Mortgage Modification applications, negotiating with bank representatives and successfully fighting for and receiving hundreds of Mortgage Modification approvals. He has dealt with a wide array of banks, lenders and mortgage servicing companies and has fought on the front lines in the foreclosure court for the past 16 years. Mr. Romanello is aware of every tactic, financial ratio and reason for denial used by many banks, lenders and mortgage servicing companies.

Mr. Romanello has authored this book, not as a legal document but more as a simple guide to both educate homeowners on the process of filling out the mortgage modification application and also educate homeowners through the common mistakes in which lenders deny mortgage modification applications.