HOPE NOW has released its January 2013 loan modification data. An estimated 78,397 homeowners received permanent, affordable loan modifications from mortgage servicers during the month. This includes modifications completed under both proprietary programs and the government’s Home Affordable Modification Program (HAMP). The January total of 78,397 loan modifications brings the total number of permanent loan modifications since 2007 to 6.15 million. According to HOPE NOW, since 2007: ►5,002,409 homeowners have received proprietary loan modifications. ►1,151,340 homeowners have received HAMP modifications (Note: HAMP reporting began in 2009). For the month of January: ►63,539 homeowners received proprietary loan modifications. ►14,858 homeowners received HAMP modifications. Loan modifications completed via proprietary programs once again showed characteristics of sustainability and affordability for homeowners. For the month of January: ►Proprietary loan modifications that included fixed interest rates of five years or more accounted for 88 percent (55,698) of the total. ►Proprietary loan modifications with reduced principal and interest monthly payments accounted for 85 percent (54,113) of the total. ►Proprietary loan modifications with reduced principal and interest payments of more than 10% accounted for 76 percent (48,595) of the total. Short sales for January were 29,244, for a total of approximately 1,182,283 since December 2009. The combination of loan modifications and short sales has brought the total number of permanent, non-foreclosure solutions to approximately 7.33 million. In the month of January 2013, there were 60,412 foreclosure sales completed, compared to 78,734 completed in January 2012. Also in the month of January, there were 140,482 foreclosure starts reported, compared to 200,447 reported in 2012. Delinquencies of 60 days or more were at 2.53 million, compared to 2.77 million in January of 2012—a decline of almost nine percent. Delinquency data is extrapolated from data received by the Mortgage Bankers Association for the fourth quarter of 2012.