I spoke this past week to the Financial Regulation of FL and they told me as is Mortgage or Loan Modification is under 494 therefore we must have all the paper work as a loan, like the GFE, etc...
When I call I ask for Mortgage Modification... So probably thats why I got that answer... but they seems not to be very well inform, they are not sure what to say...
So I am going to call and ask for Loss Mitigation...
At the same time I found and article on the net saying this industry is not regulate it yet...
