Скачать или смотреть Loan modification or forbearance in Florida

what do lenders actually look for, and why is it harder now?

After the COVID forbearance era and the hurricane emergency holds of 2025, many homeowners are discovering a hard truth:

Modifications and forbearance are no longer easy.

Lenders are tightening up.

Here’s what they’re focusing on first:

Income and debt.

Not hopes. Not explanations. Numbers.

They’re scrutinizing pay stubs, tax returns, bank statements, household contributions, and ongoing expenses. If the math doesn’t work on paper, the answer is no.

Second — lenders follow investor rules, not sympathy.

That means guidelines set by Fannie Mae, Freddie Mac, and Federal Housing Administration — and those rules are strict.

Here are the actual resources lenders use:

👉 Fannie Mae loan modification guidelines:
https://singlefamily.fanniemae.com/se...
👉 Freddie Mac servicing guidelines:
https://guide.freddiemac.com
👉 FHA loss mitigation options:

https://www.hud.gov/program_offices/h...

Third — timing matters more than ever.
Waiting too long, missing documents, or submitting incomplete packages kills deals.
And here’s the biggest mistake I see:
People treat loan modification or forbearance as the only option — when selling, short sale, or bankruptcy analysis should be happening at the same time.

I’ve been guiding Florida homeowners through foreclosure and lender negotiations for over 25 years, across disasters, downturns, and policy shifts.

I’m Matt Weidner.

👉 If you’re counting on a loan modification or forbearance, don’t assume it will be approved. Get real guidance now — and make sure you have a backup plan before the lender says no.”

To find me on other platforms:

Website:
https://mattweidnerlaw.com

Instagram:   / mattweidnerlaw  

Tiktok:   / floridaattorneymatt  

LinkedIn:
  / matt-weidner-26412a197  

Facebook:   / foreclosurelawyer  

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