Florida Home Loan Modification – Modify Your Mortgage in Florida

Free Loan Modification Consultation

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You may look at Florida as one of the ideal destination for tourists, but locally, it is also affected by the economic meltdown especially for the locals confronting the problem of foreclosure. Over 100.000 of foreclosure processes were initiated in the last few years. One cause is the big number of mortgages given to people who were unable to take the financial commitment from the start. Most zero down payment mortgages ended with this. Those who didn’t pay for down payment also found it hard to handle the monthly rates. The bank gives too much credit to people who were unable to keep up with it. Aside from that, the bank has to deal with huge number of houses and properties that is of no use in its financial transactions. Even though the price of foreclosed homes is way below the price of the houses on the market, interested buyers aren’t enough. The government enforced a new law that may salvage Florida’s economy. It involves the likelihood of loan modification following a determinate time in the interest of the borrower.

Before considering a loan modification, you should check your eligibility for the procedure. If you have taken the loan for less than a year, applying for a modification of the terms of the contract is not possible because your income state doesn’t changed in such a short time. However, if you are confronting unpredictable events, like dismissal from your work place, you can communicate with your lender and present the facts stating your situation. Key adjustments won’t be provided to your lease, but the bank will reduce it from the fees and penalties that you may have. It is in the bank’s interest that you pay your monthly rates. A failure from you is a loss for the bank as well. A good cooperation between you is an advantage to both sides of the agreement. If you are confused with the steps, you can ask from a lawyer to give you advice in this matter. Measures will be done so that the loan will be easier for you to acquit. The term in the contract can be prolonged or the interest rate can be reduced.

The Loan Modification program has been successful in its goal up until now. Many people have re-possessed their homes after they enter the program and re-negotiating with the bank. This proves that the proposed law by the government is capable and may solve the issue of foreclosed proprieties.

Florida Mortgage Companies

Central Florida Educators Federal Credit Union
P.O. Box 958471
Lake Mary, Florida 32795-9814
Attn: Real Estate – HAMP Team
www.mycfe.com
Fax: 407-893-572

Florida Legal Services

Florida Attorneys Saving Homes (FLASH)

Assistance: Foreclosure Prevention, Bankruptcy, and Housing
Location: Throughout Florida
Website: http://www.floridalegal.org/foreclosure/hotline/intakeform.htm
Phone: (866) 607-2187, Monday – Friday, 10am-4pm
Services: The FLASH program is a collaborative effort of The Florida Bar, The Florida Bar Foundation, Florida Legal Services, and the Real Property Probate and Trust Law Section. It provides free legal services to homeowners who fear they won’t be able to make their mortgage payments or who have already missed payments, but are not in foreclosure. Hotline callers answer a few initial questions to ensure accurate placement with pro bono attorneys, who will then negotiate with lenders on behalf of homeowners. There is also an online intake form that homeowners can submit. Because of the number of requests for help, there can be a wait time of up to 45 days for assistance.

Central Florida

Brevard County Legal Aid

Assistance: Housing and Consumer
Location: Rockledge
Website: http://brevardcountylegalaid.org/index.html
Phone: (321) 631-2500
Email: brevardlegalaid@yahoo.com
Services: This organization offers services to low-income individuals in Brevard. The attorneys handle many types of civil cases, including housing and consumer cases.

Community Legal Services of Mid-Florida, Inc.

Assistance: Foreclosure, Consumer and Housing Counseling
Location: Bunnell, Daytona Beach, Inverness, Kissimmee, Ocala, Orlando, Palatka, Sanford, and Tavares
Website: http://www.clsmf.org/
Phone: Brevard County: (866) 469-7444
Orange County: (800) 984-2919
Lake County: (352) 343-6351
Osceola County: (407) 933-1791
Volusia County: (386) 258-5600
Outside Daytona Area: (800) 363-2357
Putnam County: (386) 328-8072
Flagler County: (800) 405-1417
Seminole County: (866) 718-9595
Marion County: (352) 629-6257
Citrus County: (352) 726-6592
Hernando County: (866) 801-5566
Sumter County: (800) 984-2918
Services: Community Legal Services of Mid-Florida, Inc. provides a range of civil legal services, including foreclosure prevention counseling through NeighborWorks’ National Foreclosure Mitigation Counseling Program. It also holds pre-foreclosure assistance and bankruptcy clinics and workshops.

Legal Aid Society of the Orange County Bar Association, Inc

Assistance: Foreclosure and Consumer
Location: Orlando
Website: http://www.legalaidocba.org/
Phone: (407) 841-8310
Email: info@legalaidocba.org
Services: The organization’s attorneys handle housing, foreclosure, and consumer matters on behalf of low-income individuals in Orange County.

Legal Advocacy Center of Central Florida

Assistance: Loan Modification Scams, Foreclosure, and Housing
Location: Orlando, Tavares, Kissimmee, Daytona Beach, Palatka, Bunnell, Sanford, Ocala, and Inverness
Website: http://www.laccf.org/
Phone: Brevard County (866) 469- 7444
Orange County (800) 984-2919
Lake County (352) 343-6351
Osceola County (407) 933-1791
Volusia County (386) 258-5600
Outside Daytona Area (800) 363-2357
Palatka County (386) 328-8072
Flagler County (800) 405-1417
Seminole County (866) 718-9595
Marion County (352) 629-6257
Citrus County (352) 726-6592
Hernando County (866) 801-5566
Sumter County (800) 984-2918
Services: The organization serves the legal needs of low-income and senior Floridians in Central Florida. The attorneys work on a variety of consumer and housing cases, including issues related to rescue scams, mortgage, and foreclosure.

Seminole County Bar Association – Legal Aid Society

Assistance: Housing and Consumer
Location: Longwood
Website: http://www.scbalas.org/
Phone: (407) 834-1660
Email: administrator@scbalas.org
Services: The organization serves Seminole County residents who are economically disadvantaged on housing and consumer matters.

Jacksonville Area

Jacksonville Area Legal Aid

Assistance: Consumer Protection, Foreclosure, Loan Modification Scams, and Housing Counseling in English, Spanish, Hindi, Russian, and Other Languages
Location: Green Cove Springs, Jacksonville, and St. Augustine
Website: http://www.jaxlegalaid.org/
Phone: Duval County Residents (866) 356-8371
Residents in Zip Codes 32206, 32208, 32209, 32218, 32244 – (904) 390-4019
Nassau County Residents (904) 356-8371 x313 or (866) 356-8371 x313
St. Johns County Residents (904) 827-9921 or (877) 827-9921
Clay County Residents (904) 284-8410 or (866) 284-8410
Beaches Residents (904) 356-8371 x307
Services: Jacksonville Area Legal Aid provides foreclosure assistance and a range of civil legal services, including representation on foreclosure and consumer protection matters, such as loan modification scams, to low- and moderate-income clients in Clay, Duval, Nassau, and St. Johns Counties. The organization also has several self-help clinics and holds foreclosure assistance workshops.

Three Rivers Legal Services

Assistance: Foreclosure and Consumer Protection
Location: Gainesville, Jacksonville, and Lake City
Website: http://trls.org/
Phone: Jacksonville (904) 394-7450
Gainesville (352) 372-0519 and (800) 372-0936
Lake City (386) 752-5960 or (800) 495-0039
Services: Three Rivers Legal Services provides a range of civil legal services, including representation in foreclosure defense and consumer protection cases, such as mortgage scam lawsuits, to low-income clients in Alachua, Baker, Bradford, Clay, Columbia, Dixie, Duval, Gilchrist, Hamilton, Lafayette, Levy, Madison, Nassau, St. Johns, Suwannee, Taylor, and Union Counties.

Wealth Watchers Inc.

Assistance: Housing Counseling
Location: Jacksonville
Website: www.wealthwatchersfl.com/
Phone: Housing Preservation Hotline (904) 380-0347
Services: Wealth Watchers Inc. provides counseling and legal help for homeowners with difficulties paying their mortgage payments. Wealth Watchers also can work with the mortgage lenders to develop a foreclosure prevention plan or loan modification.

North Florida and the Panhandle

Legal Services of North Florida

Assistance: Foreclosure and Housing Counseling
Location: Ft. Walton Beach, Panama City, Pensacola, Quincy, and Tallahassee
Website: http://www.lsnf.org/
Phone: Fort Walton (850) 862-3279
Quincy (850) 875-9881
Panama City (850) 769-3581
Pensacola (850) 432-8222
Tallahassee (850) 385-9007
Services: Legal Services of North Florida provides a range of civil legal services, including representation in foreclosure cases, to low-income clients in Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Wakulla, Walton, and Washington Counties.

Northwest Florida Legal Services, Inc.

Assistance: Housing and Consumer
Location: Pensacola, Milton
Phone: (850) 432-2336
Services: The organization provides legal services to low-income individuals in Escambia and Santa Rosa Counties.

Three Rivers Legal Services

Assistance: Foreclosure and Consumer Protection
Location: Gainesville, Jacksonville, and Lake City
Website: http://trls.org/
Phone: Jacksonville (904) 394-7450
Gainesville (352) 372-0519 and (800) 372-0936
Lake City (386) 752-5960 or (800) 495-0039
Services: Three Rivers Legal Services provides a range of civil legal services, including representation in foreclosure defense and consumer protection cases, such as mortgage scam lawsuits, to low-income clients in Alachua, Baker, Bradford, Clay, Columbia, Dixie, Duval, Gilchrist, Hamilton, Lafayette, Levy, Madison, Nassau, St. Johns, Suwannee, Taylor, and Union Counties.

South Florida

Coast to Coast Legal Aid of South Florida – Senior Citizen Law Project

Assistance: Housing and Consumer
Location: Plantation
Website: www.legalaid.org/coasttocoast
Phone: Main Office (954) 736-2400, Senior Citizen Law Project (954) 765-8955
Services: Coast to Coast Legal Aid of South Florida provides a range of civil legal services, including representation in foreclosure defense cases, to elderly low-income clients in Broward County. The organization operates in collaboration with the Legal Aid Service of Broward County.

Dade County Bar Association Legal Line

Assistance: Legal Services
Phone: (866) 596-0399
Services: Volunteer attorneys answer simple legal questions, give brief legal advice, or refer calls to an appropriate social service agency for further assistance. The Legal Line is open the first Wednesday of each month from 6 p.m. – 9 p.m.

Florida Rural Legal Services

Assistance: Foreclosure
Location: Belle Glade, Fort Myers, Fort Pierce, Lakeland, Punta Gorda, and West Palm Beach
Website: www.frls.org
Phone: Belle Glade (888) 993-0003
Fort Myers (888) 582-3410
Fort Pierce (888) 582-3410
Lakeland (800) 277-7680
Punta Gorda (941) 505-9007
West Palm Beach (800) 284-4588
Services: Florida Rural Legal Services provides a range of civil legal services, including representation in foreclosure defense cases, to low-income clients in Charlotte, DeSoto, Glades, Hardee, Hendry, Highlands, Indian River, Lee, Martin, Okeechobee, Palm Beach, Polk, and St. Lucie Counties.

Legal Aid Service of Broward County

Assistance: Housing, Consumer, and Foreclosure
Location: Plantation
Website: www.legalaid.org/broward
Phone: (954) 736-2492
Services: The Legal Aid Service of Broward County provides a range of civil legal services, including representation for low-income homeowners in foreclosure cases, to low-income clients in Broward County. Low-income homeowners facing foreclosures should contact the Housing/Consumer Unit at (954) 736-2492 to find out the current intake procedure.

Legal Aid Society of Dade County Bar Association

Assistance: Housing
Location: Throughout Dade County
Website: www.dadecountybar.org
Phone: (305) 579-5733
Services: Legal aid handles a variety of matters for indigent individuals in Dade County, including housing.

Legal Aid Society of Palm Beach County, Inc.

Assistance: Housing and Consumer
Location: West Palm Beach
Website: www.legalaidpbc.org
Phone: (800) 403-9353, Foreclosure Intakes (561) 655-8944 ext. 325
Services: The Legal Aid Society of Palm Beach County provides a range of civil legal services, including representation on housing and consumer matters, to low-income clients in Palm Beach County. It also has foreclosure intake clinics every Wednesday from 9:30 a.m. – 3:30 p.m. by appointment. Interested homeowners should call (561) 655-8944. In addition, the organization holds foreclosure assistance workshops.

Legal Services of Greater Miami – Mortgage Foreclosure Defense Project

Assistance: Foreclosure in English, Spanish, and Creole
Location: Miami
Website: www.lsgmi.org
www.lsgmi.org/content/housing-advocacy#3 (Housing Advocacy)
Phone: (305) 576-0080
Services: Legal Services of Greater Miami, through its Mortgage Foreclosure Defense Project, provides legal assistance and representation to homeowners facing foreclosure in Miami-Dade and Monroe Counties. Additionally, the organization helps homeowners consider alternatives to foreclosure, such as payment assistance, repayment plans, special forbearance, loan modification, and compromise sales.

Southwest Florida

Coast to Coast Legal Aid of South Florida – Senior Citizen Law Project

Assistance: Housing, Consumer, and Foreclosure
Location: Plantation
Website: www.legalaid.org/coasttocoast
Phone: Main (954) 736-2400; Senior Citizen Law Project (954) 765-8955
Services: Coast to Coast Legal Aid of South Florida provides a range of civil legal services, including representation in foreclosure defense cases, to elderly low-income clients, age 60 and older, in Broward County. The organization operates in collaboration with the Legal Aid Service of Broward County.

Florida Rural Legal Services

Assistance: Foreclosure
Location: Belle Glade, Fort Myers, Fort Pierce, Lakeland, Punta Gorda, and West Palm Beach
Website: www.frls.org
Phone: Belle Glade (888) 993-0003
Fort Myers (888) 582-3410
Fort Pierce (888) 582-3410
Lakeland (800) 277-7680
Punta Gorda (941) 505-9007
West Palm Beach (800) 284-4588
Services: Florida Rural Legal Services provides a range of civil legal services, including representation in foreclosure defense cases, to low-income clients in Charlotte, DeSoto, Glades, Hardee, Hendry, Highlands, Indian River, Lee, Martin, Okeechobee, Palm Beach, Polk, and St. Lucie Counties.

Legal Aid Service of Broward County

Assistance: Housing, Consumer, and Foreclosure
Location: Plantation
Website: www.legalaid.org/broward
Phone: (954) 736-2492
Services: The Legal Aid Service of Broward County provides a range of civil legal services, including representation for low-income homeowners in foreclosure cases, to low-income clients in Broward County. Low-income homeowners facing foreclosures should contact the Housing/Consumer Unit at (954) 736-2492 to find out the current intake procedure.

Legal Aid Society of Dade County Bar Association

Assistance: Housing
Location: Throughout Dade County
Website: www.dadecountybar.org
Phone: (305) 579-5733
Services: Legal aid handles a variety of matters for indigent individuals in Dade County, including housing.

Legal Aid Society of Palm Beach County, Inc.

Assistance: Housing and Consumer
Location: West Palm Beach
Website: www.legalaidpbc.org
Phone: (800) 403-9353, Foreclosure Intakes (561) 655-8944 ext. 325
Services: The Legal Aid Society of Palm Beach County provides a range of civil legal services, including representation on housing and consumer matters, to low-income clients in Palm Beach County. It also has foreclosure intake clinics every Wednesday from 9:30 a.m. – 3:30 p.m. by appointment. Interested homeowners should call (561) 655-8944. In addition, the organization holds foreclosure assistance workshops.

Legal Services of Greater Miami – Mortgage Foreclosure Defense Project

Assistance: Foreclosure in English, Spanish, and Creole
Location: Miami
Website: www.lsgmi.org
www.lsgmi.org/content/housing-advocacy#3 (Housing Advocacy)
Phone: (305) 576-0080
Services: Legal Services of Greater Miami, through its Mortgage Foreclosure Defense Project, provides legal assistance and representation to homeowners facing foreclosure in Miami-Dade and Monroe Counties. Additionally, the organization helps homeowners consider alternatives to foreclosure, such as payment assistance, repayment plans, special forbearance, loan modification, and compromise sales.

Southwest Florida

Coast to Coast Legal Aid of South Florida – Senior Citizen Law Project

Assistance: Housing, Consumer, and Foreclosure
Location: Plantation
Website: www.legalaid.org/coasttocoast
Phone: Main (954) 736-2400; Senior Citizen Law Project (954) 765-8955
Services: Coast to Coast Legal Aid of South Florida provides a range of civil legal services, including representation in foreclosure defense cases, to elderly low-income clients, age 60 and older, in Broward County. The organization operates in collaboration with the Legal Aid Service of Broward County.

Florida Rural Legal Services

Assistance: Foreclosure
Location: Belle Glade, Fort Myers, Fort Pierce, Lakeland, Punta Gorda, and West Palm Beach
Website: www.frls.org
Phone: Belle Glade (888) 993-0003
Fort Myers (888) 582-3410
Fort Pierce (888) 582-3410
Lakeland (800) 277-7680
Punta Gorda (941) 505-9007
West Palm Beach (800) 284-4588
Services: Florida Rural Legal Services provides a range of civil legal services, including representation in foreclosure defense cases, to low-income clients in Charlotte, DeSoto, Glades, Hardee, Hendry, Highlands, Indian River, Lee, Martin, Okeechobee, Palm Beach, Polk, and St. Lucie Counties.

Gulfcoast Legal Services

Assistance: Foreclosure and Housing Counseling
Location: Bradenton, Clearwater, Sarasota, St. Petersburg, and Tampa
Website: www.gulfcoastlegal.org
Phone: Clearwater/St. Petersburg Office (727) 821-0726
Bradenton (941) 746-6151
Sarasota (941) 366-1746
Services: Gulfcoast Legal Services provides a range of civil legal services, including foreclosure defense and counseling, to people age 60 or older and/or low-income clients in Hillsborough, Manatee, Pasco, Pinellas, and Sarasota Counties.

Legal Aid of Manasota

Assistance: Foreclosure, Housing, and Consumer Credit
Location: Sarasota, Venice, and Bradenton
Website: www.legalaidofmanasota.org/home
Phone: Sarasota (941) 366-0038
Venice (941) 492-4631
Bradenton (941) 747-1628
Services: Legal Aid of Manasota assists low-income residents of Sarasota and Manatee Counties on foreclosure, housing, civil litigation, and consumer credit issues.

Legal Aid Service of Collier County

Assistance: Housing
Location: Naples
Website: www.legalaid.org/collier
Phone: (239) 775-4555
Services: The Legal Aid Service of Collier County provides a range of civil legal services, including representation in housing-related cases, to low-income clients in Collier County.

Lee County Foreclosure Task Force

Assistance: Housing Counseling and Foreclosure
Location: Naples
Website: http://leeforeclosuretaskforce.com/
http://leeforeclosuretaskforce.com/workshops/ (Foreclosure Workshops)
Phone: To RSVP for a foreclosure workshop (239) 433-3900; Other questions (877) 437-6411 x0
Services: Organized by the Lee County Bar Association, the Task Force is comprised of community leaders, attorneys, representatives from area employers, unions, and nonprofit organizations. Through community workshops, the Task Force educates homeowners of their foreclosure rights and resources that can assist them. The group sponsors monthly workshops with attorneys present to help answer questions. Workshops are held on the first Friday of the month (in Spanish); second Saturday and the third Thursday of the month. Reserve a seat by calling United Way of Lee County at (239) 433-3900 or 211 from any landline phone. The website also has many important tips for homeowners about how to avoid foreclosure.

Tampa Bay Area

Bay Area Legal Services

Assistance: Housing and Foreclosure
Location: Dade City, New Port Richey, Plant City, St. Petersburg, Tampa, and Wimauma
Website: www.bals.org
Phone: Legal Aid Line (813) 232-1343 and (800) 625-2257
Senior Statewide Legal Help Line (888) 625-2257
Services: Bay Area Legal Services provides a range of civil legal services, including representation in foreclosure cases, to low-income clients in Hillsborough, Manatee, Pasco, Pinellas, and Sarasota Counties. Florida residents age 60 and older can call the Senior Statewide Helpline. Homeowners fearing foreclosure should call the legal aid line to request assistance.

Community Law Program

Assistance: Housing and Foreclosure
Location: St. Petersburg
Website: www.lawprogram.org
Phone: (727) 582-7402
clp@lawprogram.org
Services: The Community Law Program provides a range of civil legal services, including representation in foreclosure cases, to low-income clients in Pinellas County. The Housing Clinic is open every first and third Friday of each month from 12:45 – 3 p.m. at CLP’s office, 501 First Avenue N, Room 511, St. Petersburg, Florida.

Gulfcoast Legal Services

Assistance: Foreclosure and Housing Counseling
Location: Bradenton, Clearwater, Sarasota, St. Petersburg, and Tampa
Website: www.gulfcoastlegal.org
Phone: Clearwater/St. Petersburg Office (727) 821-0726
Bradenton (941) 746-6151
Sarasota (941) 366-1746
clp@lawprogram.org
Services: Gulfcoast Legal Services provides a range of civil legal services, including foreclosure defense and counseling, to vulnerable and/or low-income clients in Hillsborough, Manatee, Pasco, Pinellas, and Sarasota Counties.

Avoid Mortgage Scams Florida

Attention homeowners: If you think you have been a victim of a scam, or approached by a scammer, report it to the Loan Modification Scam Prevention Network now! Your complaint could provide vital information that will help put loan modification scammers out of business.

Call 1-888-995-HOPE (With your permission, the complaint will automatically be shared with federal, state and local law enforcement)