Loan modifications do not have costly closing costs,title/government fees and painful points/broker fees.

Most importantly however modifications do not havepre-set credit requirements, that means no minimum credit scores,late payments, even being in foreclosure is O.K.

No LTV restrictions that limit refinancing options for most homeowners in today’s market. That means if you owe more thanyour home is worth, you can still qualify for a loan modification.

The lenders are more so concerned with 2 factors.
Current hardship and you ability to pay back the loan.

If you would like to discuss your situation in detail, send me an email at marlonbaugh@specializedfinancialsolutions.com or call me at 954-678-5796

Florida Based Loan Modification Expert, Marlon Baugh, spills the beans about Shopping Online For A Florida Loan Modification Company, that most Loan Modification Companies Hope You Never Find Out.

Anyone who’s even remotely interested in shopping for a Florida Loan modificaiton has probably paid attention to all those commercials on TV touting the ease of using any of a variety of Internet services to compare Florida Loan Modification offers from the comfort of your home.

You may even have tried a couple of them yourself. But Marlon Baugh, a Local Florida Loan Modification Expert says, Florida residents need to watch out when trying to use the Internet to do the heavy lifting for them. “Sometimes, these Internet services might work fairly well for certain people.” “But the one-size-fits-all approach they offer is going to leave a lot of people with loans that aren’t the best for them, or even worse, they may be shut out of the process altogether.” Marlon Baugh says the problem with these services is that they never really get to know anything about your financial situation other than your credit history and income level. “So basically what winds up happening is that you’re reduced to a number to them. And if they don’t like whatever that number is, you’re out of luck.”

Here are three things you should watch out for when shopping for Florida Loan Modification Company on the Internet – things most online loan modification sites hope you ignore:

*Do they take the time to find out about your unique situation, or are you just a cyber-borrower in their eyes? Most of these sites simply don’t have the manpower to individually work with every borrower. So a lot of times you wind up with a bad Florida Loan Modification simply because there was no one to check if they could have gotten you a better deal.

*What do they offer people in special financial circumstances – such as the self-employed or people with damaged credit? Most of these sites don’t even want to work with you unless you meet their stringent criteria.

*Do they provide advice to help when choosing between Florida Loan Modification products? Most sites simply gather offers, throw them in your lap, and pressure you to choose between them. Unless you’re a pretty experienced mortgage pro, deciding on the best offer can be difficult, if not impossible. If you have ever filled out a form on one of these sites or have called them, then you will notice that all of a sudden you are getting multiple calls from loan modification companies all over the U.S. This is because most of the websites you find on the internet are just lead generating sites that takes your infomation and sells it to each and every loan modification company from New York to California. You need to able to spot them.

And one way to do that is to find out where they are located as most don't have their address listed on their website, just a toll free number. So no address typically means they aren't local and even if they were and didn't list their address, then thats a red flag not to do business with them as they are probably con artist, that want to steal your money. So, what’s the solution? Use the Internet to educate yourself and then work with a real human being. You may not have thought about “old-fashioned” methods of finding the best deal, such as working with a local Florida Loan Modification Expert. “But for anyone who values a real person sitting down with you and working through the process, there’s no better option,” says Baugh.

Florida - based mortgage expert Marlon Baugh specializes in providing information to Florida residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan. Marlon Baugh is available for interviews and will welcome all your mortgage modification related questions. Call 954-678-5796 Ext.1 for a Free No-Obligation Consultation or visit: http://www.specializedfinancialsolutions.com