There are three different forms of deed that can be used to convey title to real estate in Florida: Warranty Deeds, Special Warranty Deeds and Quit-Claim Deeds.
The simple answer is "no, you are unable to get a mortgage loan modification without providing documentation."
We had a great question about mortgage and lien priority come in from one of the Yesner Law Podcast listeners: "I bought property at a foreclosure auction. The foreclosure was filed by the second mortgage and the first mortgage was never notified or included as a defendant. Now the first mortgage is about to foreclose and take the property from me! How do I protect my investment?"
We recently posted a blog describing options for when the homeowner having mortgage problems wants to sell the property, but what about the homeowner who wants to keep the property? Those homeowners have options too! The best options for a homeowner who wants to keep the house are to reinstate the loan, refinance the loan, modify the loan, or file Chapter 13 reorganization.