Does a borrower have a right to a loan modification when the loan is no longer valid?

MultiRegion, United States of America

The following excerpt is from Malifrando v. Real Time Resolutions, Inc., No. 2:16-cv-0223 TLN GGH PS (E.D. Cal. 2016):

5. Furthermore, there is no right to a loan modification in the first instance. Cal. Civ. Code 2923.4; see Mabry v. Sup. Ct., 185 Cal. App. 4th 208 (2010).

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