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The Florida Bar
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Special Housing Help

Florida Hardest Hit program

Floridians who qualify can apply for assistance through the Florida Hardest Hit program. For details, check out the program's Website at www.FLHardestHitHelp.org. There is no charge to apply for this program.

Frequently asked questions:

What is Florida HFA Hardest-Hit Fund?
Florida Housing Finance Corporation (Florida Housing) was directed by US Treasury (Treasury) to create and administer foreclosure prevention assistance programs that address the unique issues of Florida. Treasury requires that Florida use a portion of these funds specifically for targeted unemployment programs that provide temporary assistance to eligible homeowners.

What Programs are available?
Florida Housing has two programs:

Unemployment Mortgage Assistance Program (UMAP)
Loan funds can be used to pay monthly mortgage and escrowed mortgage-related expenses (i.e., property taxes, homeowner insurance, and mortgage insurance) until the homeowner can resume payments or for up to six months, with a cap of $12,000, whichever occurs first. A homeowner participating in the UMAP will be required to pay 25 percent of his/her monthly income toward the monthly mortgage payment, with a minimum payment of $70 per month.
Population to be served: Homeowners who are unemployed, underemployed or have had a reduction of income through no fault of their own, and are experiencing a financial hardship.
Use of funds: Pay the monthly first mortgage payment.

Mortgage Loan Reinstatement Payment (MLRP) Program
Loan funds can be used to bring the past-due first mortgage current; up to $6,000 will be paid.
Population to be served: Homeowners who have been unemployed, underemployed. Verification that homeowners will be able to make their
payments will be required. Homeowner must meet eligibility and program underwriting guidelines and must complete a hardship affidavit.
Use of funds: MLRP funds will be used to bring a delinquent mortgage current for a homeowner who has returned to work or recovered from underemployment and can now resume the monthly mortgage payment(s) based on his/her new income. This type of assistance is appropriate when the homeowner needs help only to bring the mortgage and/or mortgage-related expenses current.

Foreclosure prevention workshops. Please check periodically for new events.

Begin looking for help as soon as you know you may not be able to pay any of your bills, particularly your mortgage.

If you’ve been served with a mortgage foreclosure lawsuit, bring all of the papers you signed when you got the loan and any court or other papers or letters you have received (bank account statement; income tax returns and W2; driver’s license or picture ID).

[Revised: 06-15-2012]