Lawyer David Zak attended Suffolk University Law School between 1999 and 2003.

As president of Zak Law Offices PC, lawyer David Zak assists clients in legal issues related to mortgage modification negotiation through the government’s Making Home Affordable Program. He earned his J.D. from the Suffolk University Law School in 2003. While there, he received recognition as the Best-Brief Writer and Best-Oral Advocate.

In recent years, Attorney Zak’s alma mater, Suffolk University Law School, has come to offers Focus Area in Real Estate and Land Use. Students enrolled in the Suffolk University Law School are encouraged to take advantage of opportunities to focus on a particular area of the law. The school’s areas of focus were designed to guide students to classes that support their long-term career goals. For J.D. candidates interested in property law, the real estate and land use area of focus covers coursework on the use, transfer, and development of real property. Legal scholars who pursue this focus area are directed to electives such as Land Use, Conveyancing and Mortgage Law, and Real Estate Litigation. Course selections change each semester.

In addition to the core courses, law students pursuing a real estate and land use focus are advised to complete recommended courses on issues ranging from accounting to international environmental law. For full descriptions of real estate and land use courses, as well as information about other study focus areas, interested individuals should visit www.law.suffolk.edu.

Lawyer David Zak: Home Affordable Modification Program Helps Adjust Mortgages

David Zak, a Massachusetts lawyer, has negotiated more than 400 loan modifications under the federal Home Affordable Modification Program (HAMP) since 2009. He assists clients as president of Zak Law Offices PC, a premier mortgage modification practice located in Revere, Massachusetts.

A program run by the federal government, HAMP assists eligible, employed homeowners experiencing difficulty in making their mortgage payments. Through the program, individuals may be able to get lower monthly payments that promote the long-term sustainability of the financial relationship between them and their lenders.

In the summer of 2012, the Obama administration decided to increase the number of people eligible for HAMP. The newly included people comprise those who apply for a loan modification on a non-primary residence rented to others or intended to be rented to others. Furthermore, homeowners who did not qualify under the old rules on account of a debt-to-income ratio of 31 percent or lower now may qualify. The new rules also allow homeowners who defaulted on payments during a trial period with HAMP to seek help through the program.