Loan modification is one of the best financial tools available to homeowners who are facing foreclosure.

A loan modification is a process by which the lender or bank reduces your monthly payments so that they are reduced to a manageable amount, thereby reducing the chance of going into default and foreclosing on your home.

There is a statewide emergency in Florida, and specifically in the Southern part of the state (Miami-Dade County) to stop foreclosures as quickly as possible, and to get homeowners help with their mortgages.

If you are already behind on your mortgage or are at risk of going into foreclosure, foreclosure help is available. There are Government agencies, private institutions, and bank departments setup to help you.

How Can I Qualify For a Loan Modification?

If you are interested in applying for a loan modification, there are a couple of requirements to determine if you are a good candidate.

- Your monthly mortgage must be affected by a verifiable reduction in income.
- It is required that you are currently employed or have another source of a stable and predictable monthly income that is provable.
- The home for which you are seeking to obtain a loan modification must be your primary residence.

If any of the above stipulations apply to you, fill out the form at the top of the page for one of our agents to contact you for a free evaluation.

Miami Bank Lenders Phone Numbers

We’ve compiled the Miami area bank phone numbers below as well as the non-profit organizations setup to help Miami residents.

JP Morgan Private Bank
2 S Biscayne Blvd # 22, Miami, FL‎ – (305) 358-3400‎

Bank of America
401 Lincoln Rd, Miami, FL‎ – (305) 674-9966‎

Bank of New York Trust Co
800 Brickell Ave # 300, Miami, FL‎ – (305) 372-7444‎

Mellon Bank
2 S Biscayne Blvd # 12, Miami, FL‎ – (305) 374-3933‎

Pacific National Bank
1390 Brickell Ave # 500, Miami, FL‎ – (305) 539-7500‎Coconut Grove Bank
2701 S Bayshore Dr # 2, Miami, FL‎ – (305) 858-6666‎

Lloyds TSB Bank
2 S Biscayne Blvd # 3200, Miami, FL‎ – (305) 579-8900‎

ABN AMRO Bank
200 S Biscayne Blvd # 2200, Miami, FL‎ – (305) 372-1596‎

Deutsche Bank
2 S Biscayne Blvd # 1820, Miami, FL‎ – (305) 577-6600‎

Mellon United National Bank
44 W Flagler St, Miami, FL‎ – (305) 371-2300‎

Wachovia Bank
169 SW 8th St, Miami, FL‎ – (305) 789-6888‎

Sun Trust Bank
1 SE 3rd Ave, Miami, FL‎ – (305) 789-7289‎

Royal Bank of Canada
801 Brickell Ave # 2100, Miami, FL‎ – (305) 539-5200‎

Trans Atlantic Bank
48 E Flagler St # 4, Miami, FL‎ – (305) 377-0200‎

Ocean Bank
200 SE 1st St, Miami, FL‎ – (305) 373-3379‎

Continental National Bank
240 E Flagler St, Miami, FL‎ – (305) 374-4994‎

US Bank
200 S Biscayne Blvd # 1870, Miami, FL‎ – (305) 350-1738‎

Bank United
310 SE 1st St, Miami, FL‎ – (305) 372-0895‎

Regions Bank
901 S Miami Ave # 210, Miami, FL‎ – (305) 350-1976‎

Eastern National Bank
799 Brickell Plz # 802, Miami, FL‎ – (305) 995-5800‎

HSBC Bank
2 S Biscayne Blvd, Miami, FL‎ – (305) 371-4500‎

Colonial Bank
1200 Brickell Ave # 10, Miami, FL‎ – (305) 523-3400‎

Colonial Bank
1200 Brickell Ave # 10, Miami, FL‎ – (305) 523-3400‎

Espirito Santo Bank of Florida
999 Brickell Ave, Miami, FL‎ – (305) 358-7700‎

Key Bank
1441 Brickell Ave # 1220, Miami, FL‎ – (305) 341-2102‎

Bank of Scotland
1221 Brickell Ave, Miami, FL‎ – (305) 329-3700‎

Intercredit Bank Na
1200 Brickell Ave # 4, Miami, FL‎ – (305) 375-8442‎

Idb Bank
1000 Brickell Ave, Miami, FL‎ – (305) 530-3429‎

Bank Leumi USA
800 Brickell Ave # 1400, Miami, FL‎ – (305) 702-3500‎

Gibraltar Private Bank & Trust
200 S Biscayne Blvd # 2850, Miami, FL‎ – (305) 381-9088‎

Israel Discount Bank of Ny
1000 Brickell Ave, Miami, FL‎ – (305) 358-4543‎

Helm Bank
999 Brickell Ave # 100, Miami, FL‎ – (305) 379-4356‎

BPD Bank
801 Brickell Ave # 1050, Miami, FL‎ – (305) 938-6500‎

Safra National Bank-New York
801 Brickell Ave # 2300, Miami, FL‎ – (786) 777-6055‎

Great Florida Bank
2 S Biscayne Blvd # 110, Miami, FL‎ – (305) 514-6400‎

State Farm Bank
1700 Ponce De Leon Blvd, Coral Gables, FL‎ – (305) 445-8579‎

Republic Federal Bank
176 NE 1st St, Miami, FL‎ – (305) 341-8578‎

American Express Bank
1111 Brickell Ave # 1600, Miami, FL‎ – (305) 350-7750‎

International Bank of Miami Na
2121 SW 3rd Ave, Miami, FL‎ – (305) 854-8800‎

First Bank of Miami
245 SE 1st St, Miami, FL‎ – (305) 579-4933‎

If you need advice about loan modification, please fill out our contact form for a free consultation, it only takes 10 seconds of your time.

We hope you found these resources useful and look forward to helping you and your family.

Andrew Wise
-Wise Equity Planning
Jaborwhalky.com