The Aldridge-Benge Firefighter Safety Act of 2008 became law on December 13, 2009 after unanimously passing the Florida House and Senate in 2008. The new law is named in honor of two Orange County, Florida Firefighters, Todd Aldridge and Mark Benge, who died in 1989 after the roof of a gift shop collapsed; the bill is called the Aldridge-Benge Firefighter Safety Act. For a copy of the Act, HERE

The Aldridge-Benge Firefighter Safety Act will require owners of any commercial, industrial, or any multi-unit residential structure, to mark these buildings in a manner that identifies them as light-frame truss-type construction. A sign or symbol will alert firefighters of the construction material and allow them to modify their tactics for fighting fires in buildings.

633.027 Buildings with light-frame truss-type construction; notice requirements; enforcement.

(1) The owner of any commercial or industrial structure, or any multiunit residential structure of three units or more, that uses light-frame truss-type construction shall mark the structure with a sign or symbol approved by the State Fire Marshal in a manner sufficient to warn persons conducting fire control and other emergency operations of the existence of light-frame truss-type construction in the structure.

(2) The State Fire Marshal shall adopt rules necessary to implement the provisions of this section, including, but not limited to:
(a) The dimensions and color of such sign or symbol.
(b) The time within which commercial, industrial, and multiunit residential structures that use light-frame truss-type construction shall be marked as required by this section.
(c) The location on each commercial, industrial, and multiunit residential structure that uses light-frame truss-type construction where such sign or symbol must be posted.

(3) The State Fire Marshal, and local fire officials in accordance with s. 633.121, shall enforce the provisions of this section. Any owner who fails to comply with the requirements of this section is subject to penalties as provided in s. 633.161

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Review all of your current debts and obligations to get a clear understanding of what is required to be able to afford to stay in your home. Determine what expenses can be cut and what is the actual mortgage payment that you could afford to pay now and in the future. This is called your target payment and it is critical to use this figure as your goal when negotiating your loan workout. Once you have a “target” payment that will accomplish your goal, verify that your total housing expenses-principle and interest, taxes and insurance do not equal more than 31% of your gross monthly income. Divide your total monthly housing expenses by your households gross (before deductions) income to arrive at this percentage. Adjust the payment if necessary to meet this federal guideline.

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Review all of your current debts and obligations to get a clear understanding of what is required to be able to afford to stay in your home. Determine what expenses can be cut and what is the actual mortgage payment that you could afford to pay now and in the future. This is called your target payment and it is critical to use this figure as your goal when negotiating your loan workout. Once you have a “target” payment that will accomplish your goal, verify that your total housing expenses-principle and interest, taxes and insurance do not equal more than 31% of your gross monthly income. Divide your total monthly housing expenses by your households gross (before deductions) income to arrive at this percentage. Adjust the payment if necessary to meet this federal guideline.

Do It Yourself (DIY) Loan Modification is easier than ever before! Learn how to take your financial future into your own hands and gain the independence that you deserve! Call Mortgage Solutions today to find out how you can do your own Home Loan Modification!

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We are a Licensed Corespondent Lender based in the State of Florida. Our company was founded in 2004 by a group of Mortgage Bankers who at the time had over 20 years experience in Mortgage Banking, and Loss Mitigation. After seeing the worst Real Estate and Financial Meltdown in the last 20 years of our being in the Mortgage Industry we decided that there had to be a way to offer legitimate low cost help to many of our struggling customers. We set out to design a software system that would simplify the entire Loan Modification Process. What we ended up with was the Loan Modification Station, a system so power full that it has exceeded our expectation with the success it has had. We are here to offer you legitimate, low cost Loan Modification Assistance by teaching you how to Do It Yourself. We understand the Mortgage Banking Industry better than anyone else you can find and will be here to guide you through your Do It Yourself Loan Modification every step of the way. Before you decide to give a Loan Modification Company or an Attorney thousands of your hard earned dollars, we encourage you to give us a call or email and find out the benefit of using our system. We have made it the lowest cost possible because we understand that when times are tough the last thing you need is someone taking your hard earned money from you.

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