Without knowing all the details it is difficult to say for certain, however what you recount above leaves me with a bad feeling for a variety of reasons. I would advise you to at minimum get a second opinion. If there was a loan modification done, odds are great that any such defects were waived and extinguished by the modification. If your first mortgage is successfully resolved, I would be very reluctant to disturb it, and I AM a foreclosure defense attorney.
I am constantly frustrated in Florida these days by many professionals who are dabbling in this area of law yet do not really understand it. It is a very complex and very difficult to practice properly, so much so that I have a number of foreclosure defense clients who are themselves attorneys, yet who realize that they need real expertise, and would not dare to wade into the case and make a mess.
My contact information is on our web site, www.golantlaw.com - I know several excellent foreclosure defense attorneys in Jacksonville. In addition, there may be another way to resolve the second mortgage and lien, depending on the details. I will be happy to explain if you give me a call.