Having trouble making your mortgage payments?

If you've experienced a financial hardship due to job loss or reduced hours resulting in a reduction of your income, the federal government has allocated funding to the State of Florida to help people in your situation. It's free to apply and those who qualify may be eligible for up to 12 months of mortgage payments. You can get the help you need when you need it and it's absolutely free to apply. 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 payment or for up to twelve (12) months, with a cap of $24,000, whichever occurs first. In addition, up to $18,000 is available to UMAP participants as a one-time payment to bring a delinquent first mortgage current prior to UMAP payments being made.
• Mortgage Loan Reinstatement Payment (MLRP) Program Loan funds can be used as a one-time payment to bring the past-due first mortgage current; up to $25,000 will be paid.

To find out if you qualify for assistance, please visit the HHF official website at www.FLHardestHitHelp.org to review eligibility criteria and to apply; please use Referral Code 80092 when completing your application. For further questions, contact the Hardest-Hit Toll-Free Information line at 1-(877) 863-5244, Monday-Friday, 9:00 a.m. – 5:00 p.m.

National Foundation for Debt Management is an approved HHF Advisor Agency. After reviewing HHF program benefits/guidelines and eligibility criteria on the official HHF website, you may contact us for a pre-screening at 1-877-751-8077 or hardesthit@nfdm.org.