---
title: Avoiding Foreclosure With The Loan Modification Process in Florida
description: The loan modification process in Florida may be the answer for you if you're having trouble paying your mortgage modification.
image: https://blog.amerihopealliance.com/hs-fs/file-41019016-jpg/images/medium_2192339609.jpg
---

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## Avoiding Foreclosure With The Loan Modification Process in Florida

\[fa icon="clock-o"\] Wednesday, May 15, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [loan modification process in florida](https://blog.amerihopealliance.com/blog/topic/loan-modification-process-in-florida)

![Florida Loan Modification](https://blog.amerihopealliance.com/hs-fs/file-41019016-jpg/images/medium_2192339609.jpg?width=365&height=254&name=medium_2192339609.jpg)The loan modification process in Florida may be the answer for you if you purchased a home in Florida near the peak of the real estate market about six years ago. You, like many other borrowers, may have experienced problems building home equity over the past several years. You either have no equity in your property or an “underwater mortgage.”

An underwater or “upside-down” mortgage refers to a situation when the homeowner has negative equity in the home—the person owes more on the loan than the market value of the home.

According to the real estate website Zillow.com, 39.6 percent of the homes in Florida's largest counties (Broward, Miami-Dade and Palm Beach) were underwater in the fourth quarter last year.  As real estate prices have increased, the number of borrowers with negative equity in their homes has declined—down 41 percent compared to the third quarter of 2012.

## **Foreclosures Trending Up**

Despite the reduction in the number of underwater mortgages, upside-down loans remain an issue in Florida and across the country. Many hard working Floridians continue to struggle making their mortgage payments because they cannot refinance or sell their properties.

Other factors that negatively affect finances, such as unemployment, illness or divorce, combine with underwater mortgages to exacerbate the problem. These forces have a direct association with the spike in foreclosure activities in Florida.

RealtyTrac reports that Florida had the highest filing of initial foreclosure notices in the nation during the first quarter of this year with 85,671 cases recorded.  This represents a 7 percent hike over the fourth quarter of 2012 and a 17 percent year-over-year increase.

A possible solution for eligible homeowners who have difficulty making their monthly mortgage payments or facing foreclosure is the [loan modification](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) process in Florida.

## **Understanding the Loan Modification Process**

Some mortgage lenders employ loan modifications to [assist homeowners](https://blog.amerihopealliance.com/blog/bid/288632/Where-Can-I-Get-Home-Loan-Modification-Help) who are facing financial difficulties and may become delinquent or are already behind on their loan payments.  The lender modifies one or more items under the original loan agreement, such as:

1. Mortgage interest rate

2. Amortization (i.e. 20 or 30-year term)

3. Monthly mortgage payment

In addition, as part of the loan modification process, a lender may forgive missed mortgage payments, add delinquent payments on the back end of the loan to help bring the homeowner current with their mortgage freeze, or lower the interest rate on an adjustable-rate mortgage.

In some cases, banks may reduce the principal owed on loans to bring home values in line with market prices.

The changes can be temporary or permanent. The typical objective of a loan modification is to help borrowers reduce their monthly mortgage payments to 31 percent of their gross monthly income.

The process varies from lender to lender. Typically, you will have to provide the bank with a hardship letter that gives a financial overview and clearly explains why you want to enter the loan modification process in [Florida](https://blog.amerihopealliance.com/blog/bid/281550/How-to-Stop-Foreclosure-in-Florida).

You will also need to submit the following items:

- Tax returns
- Bank statements
- Utility bills

If the bank manages to evaluate your situation and approves your request, you will likely enter a “trial period.”  During this phase, you must make the new monthly payments on time. After successfully completing the trial period, the agreement is made permanent.

## New Law Speeds Up Foreclosure Process

If you meet the eligibility requirements, the loan modification process in Florida provides a viable option that can help you avoid foreclosure. However, time is of the essence.

On May 3, 2013, the Florida state Senate [passed a bill](http://www.flsenate.gov/Session/Bill/2013/0087) designed to accelerate the foreclosure process. The legislation is currently on the Governor’s desk awaiting final approval.

Judges would be required to conduct an immediate review of foreclosure cases in chambers and without a hearing. The judge will ask the parties to show cause as to why a final judgment should be entered on the matter.

If a mortgage lender determines that the borrower does not have a case, it can ask the judge to enter a final judgment. The rules state that the judge must hear the defense of a homeowner who thinks he or she has a valid foreclosure defense.

 

[![Download The Florida Foreclosure Timeline](https://no-cache.hubspot.com/cta/default/161513/259bf454-b492-460d-86ac-8fc738f396f7.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/259bf454-b492-460d-86ac-8fc738f396f7)

 

photo credit: [WIlly Volk](http://www.flickr.com/photos/volk/2192339609/) via [photopin](http://photopin.com) [cc](http://creativecommons.org/licenses/by-nc-sa/2.0/)

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#### Written by [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)

Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes.

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### About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

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Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time.

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