Gary H. Baker, P.A.
Attorney and Counselor at law
Representing Consumer Debtors in Bankruptcy, Foreclosure and Collections
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Mortgage Modifications
Types of Modification:
The types of modification available to you will vary depending on your situation, however common types of modification include:
• A reduction in your interest rate
• A change from an adjustable to a fixed interest rate
• A reduction in principal
• A reduction in penalties or fees
• Lengthening the term of the loan
Remember, the goal of Mortgage Modification is to allow you to catch up on your payments AND to provide you with a monthly mortgage payment you can afford.
Gary H. Baker, P.A. represents clients through all phases of the Modification process. We aim to help families keep their homes and to negotiate fair and affordable mortgage terms. E-mail us or call
(727) 561-0066 to schedule a Free Consultation.
Looking for information on HAMP or HARP? Please visit www.makinghomesaffordable.gov for the most up to date information on Mortgage Modification.
Wondering if you have a Fannie Mae or Freddie Mac Loan? Find out by visiting these websites: loanlookup.fanniemae.com/loanlookup OR ww3.freddiemac.com/corporate.
Not sure where to start? Call us to schedule a free consultation.
We represent consumers all over the Tampa Bay area in many areas of debt relief. Bankruptcy, Mortgage Modification, Foreclosure, Credit Card Lawsuits. It is important to know your options and speaking with an experienced attorney is an important first step. Call, e-mail or fill out our online form to request a free consultation.
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Important Information for ALL homeowners looking for information on Mortgage Modification
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There is a lot of information on the web about mortgage modification, and it is often hard to tell who and where the information is coming from.
The Federal Trade Commission (FTC) has put out a flyer warning homeowners about potential scammers and about private companies that are using names and phone numbers similar to those of the Government sponsored "Hope Now" and "Making Homes Affordable" programs.
Below are the links and web addresses to the FTC and the official Hope Now and Making Homes Affordable Website.
If you are looking for additional information on Mortgage Modification we recommend that you start here.
Federal Trade Commission
www.ftc.gov
The official Hope Now site
www.hopenow.com
Making Homes Affordable
www.MakingHomesAffordable.gov
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_______________________________________________________________________________ Home ¨ Bankruptcy ¨ Foreclosure ¨ Collections ¨ Mortgage Modification ¨ Resources ¨ About Us ¨ Contact Us
Gary H. Baker, P.A.
Clearwater, Florida 33762
Call us Today to Schedule your Free Consultation!
(727) 561-0066
or send us an e-mail: info@BakerDebtRelief.com
Clearwater Office New Port Richey Office St. Petersburg Office
3001 Executive Drive, Suite 390 2154 Seven Springs Blvd., Suite 102 724-B Second Avenue South
Clearwater, Florida 33762 New Port Richey, Florida 34655 St. Petersburg, Florida 33701
(727) 561-0066 (727) 376-3180 (727) 561-0066
We file Bankruptcies in the Middle District of Florida Bankruptcy Court. From our offices in Clearwater (Headquarters), New Port Richey and St. Petersburg we serve clients throughout the Tampa Bay area including: Pinellas County - Clearwater, St. Petersburg, Largo, Pinellas Park, Palm Harbor, Tarpon Springs; Pasco County - New Port Richey, Trinity, Port Richey, Holiday, Hudson, Zephyrhills, Dade City; Hillsborough County - Tampa, South Tampa, Carrollwood, Odessa, Plant City, Riverview; as well as clients in Polk and Hernando counties.
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We are a debt relief agency. We help people file for bankruptcy under the United States Bankruptcy Code.
The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.