Deprecated: iconv_set_encoding(): Use of iconv.internal_encoding is deprecated in /home/content/07/8674607/html/sandcastledreaming/libraries/joomla/string/string.php on line 28

Deprecated: iconv_set_encoding(): Use of iconv.input_encoding is deprecated in /home/content/07/8674607/html/sandcastledreaming/libraries/joomla/string/string.php on line 29

Deprecated: iconv_set_encoding(): Use of iconv.output_encoding is deprecated in /home/content/07/8674607/html/sandcastledreaming/libraries/joomla/string/string.php on line 30

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/plugins/system/rokextender/rokextender.php on line 32
Loan Modification
TitleDescriptionKeywordsGeneratorRobots


Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/providers/RokMenuProviderJoomla16.php on line 23

Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/providers/RokMenuProviderJoomla16.php on line 55

Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/content/07/8674607/html/sandcastledreaming/includes/application.php on line 536

Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/providers/RokMenuProviderJoomla16.php on line 38

Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/content/07/8674607/html/sandcastledreaming/includes/application.php on line 536

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/AbstractJoomlaRokMenuFormatter.php on line 14

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_roknavmenu/lib/renderers/RokNavMenu2XRenderer.php on line 13

Loan Modification

Much has been said about Loan Modifications. While there is plenty of talk about them, most people have difficulty obtaining one.  According to the Florida Office of Financial Regulation, it is important to be informed early in the process.  They recommend:

If you are facing a mortgage payment that you cannot make or if you have fallen behind on your mortgage payments, the first step you should take is to contact your lending company directly. Do not ignore the letters or phone calls from your lender. Foreclosure on a mortgage and the loss of a home is an expensive process. The longer you wait to make the call, the fewer options you will have.

Effective January 1, 2010, consumers who enter a loan modification agreement are entitled to the following protections under Florida law:

  • Registration: companies and all employees conducting loan modification services must be properly licensed.
  • No Upfront Fees: no upfront fees can be charged before the client benefits from the loan modification services.
  • Written Contracts: a written agreement is required with specific language that explains the customers' rights under the law and lists the specific services and expectations of the contract.

The Office of Financial Regulation offers the following tips for consumers to identify potential fraud and avoid becoming a victim:

  • Do your research! Check the regulatory requirements the profession adheres to and confirm the person you are working with has a professional license. Also, check if any complaints have been filed against the company or individual. Consumers can visit the OFR's public license search or call 850-Its-Your-Money (850-487-9687) to get current information on all OFR-issued licenses.
  • Always get your agreement in writing and specify the services to be provided. Make sure you read and understand the agreement. You may wish to have a Real Estate attorney review the agreement prior to signing it.
  • NEVER pay any upfront fees for loan modification services. It is illegal to charge consumers for any services until after they have been rendered.
  • If you feel you have been victimized, file a complaint on the OFR website.
  • Visit the Home Affordable Modification Program website for additional resources
"We appreciated everything you did to help us! Thank you!”
Nancy, Allen and Marne Hunter

Real Estate News


Strict Standards: Non-static method modMyRSSReaderScrollingNewsHelper::getNewFeeds() should not be called statically in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/mod_myrssreader_scrolling_news.php on line 15

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/helper.php on line 18

Strict Standards: Non-static method modMyRSSReaderScrollingNewsHelper::getComponentColors() should not be called statically in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/mod_myrssreader_scrolling_news.php on line 16

Warning: Creating default object from empty value in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/helper.php on line 45

Strict Standards: Non-static method modMyRSSReaderScrollingNewsHelper::checkColorCode() should not be called statically in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/helper.php on line 49

Strict Standards: Non-static method modMyRSSReaderScrollingNewsHelper::checkColorCode() should not be called statically in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/helper.php on line 50

Strict Standards: Non-static method modMyRSSReaderScrollingNewsHelper::checkColorCode() should not be called statically in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/helper.php on line 51

Strict Standards: Non-static method modMyRSSReaderScrollingNewsHelper::getRSSListToCheck() should not be called statically in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/mod_myrssreader_scrolling_news.php on line 17

Strict Standards: Only variables should be assigned by reference in /home/content/07/8674607/html/sandcastledreaming/modules/mod_myrssreader_scrolling_news/helper.php on line 76
  • No feeds found!
Sandcastle Dreams Realty
211 Chateaugay Fort Walton Beach, FL 32548
Phone: 850-240-4669 Website: www.sandcastledreaming.com