Mortgage Payment Assistance
Explore options to help you keep up with your mortgage payments if you’re unemployed or underemployed.
Mortgage payment assistance and the Hardest Hit Fund (HHF) programs are designed and administered by each state’s Housing Finance Agency (HFA). These programs are aimed at helping unemployed or underemployed homeowners remain in their homes while they search for new employment. If you’re facing foreclosure because of unemployment, mortgage payment assistance may help you save your home until you regain financial control.
It’s important to note that since mortgage payment assistance programs are run separately by individual states, you typically must go through a HUD-approved housing counseling agency located in your state to receive assistance in utilizing these programs. As such, while Consolidated Credit is approved to help Florida residents, we may not be able to help you if you live in another state. For Florida residents who need assistance accessing Florida mortgage payment assistance programs, please call Consolidated Credit today at 1-888-269-2040 to speak with a certified housing counselor.
Accessing Mortgage Assistance in Your State
The first option below can help you access the mortgage payment assistance program information for your state if you live outside of Florida; Florida residents, please refer to the information specifically provided for your state.
The following states currently offer statewide programs for mortgage payment assistance. If you live in one of these states, you can use the links shown to access information that applies to your situation.
|District of Columbia||homesaverdc.org|
The following information provides an overview of the current programs available in Florida:
- Unemployment Mortgage Assistance Program (UMAP): Provides up to 12 months of payments (with a cap of $24,000) to the mortgage lender to assist unemployed or underemployed borrowers with their first mortgage until they can resume full payments on their own. In addition, up to $18,000 can be paid up-front to reinstate a delinquent first mortgage before UMAP payments commence. Total assistance available is up to $42,000.
- Mortgage Loan Reinstatement Payment (MLRP) Program: A one-time payment to bring a delinquent mortgage current (up to $25,000) for a homeowner who has returned to the workforce with new employment or recovered from underemployment.
Florida homeowners may apply for Hardest Hit Fund assistance using the online system at www.FLHardestHitHelp.org. The site contains all the information you will need to apply, including detailed eligibility criterion, step-by-step prompts and Frequently Asked Questions.
Please use REFERRAL CODE 27074 when completing your application. For additional questions or to speak with a housing counselor, contact Consolidated Credit at 1-888-269-2040 or HHF@consolidatedcredit.org
The following lists provide the general eligibility criterion for who can take advantage of the Florida Hardest Hit Fund:
Personal / Household Eligibility:
- Must be a Florida resident
- Must be a legal U.S. resident or a legal alien
- Must occupy property as primary residence
- Must be unemployed or underemployed
- Total household income must be below 140% of the area median income (AMI) level where you live
- Must have a monthly housing debt payment equal to more than 31% of your gross (pretax) monthly income
- Must be a primary residence located in Florida
- Must be one of the following structures:
- Single-family home
- Townhome / townhouse
- Manufactured or mobile home on a foundation permanently affixed to real estate owned by you
- Two-, three- or four-family dwelling unit, of which one unit is occupied by you as your primary residence
- Must be a first mortgage currently being serviced by a participating lender/servicer
- Must be a first mortgage with a regulated financial institution
- The mortgage cannot be seller-financed