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The federal law that protects you from housing discrimination is the Fair Housing Act, a law enforced by the U.S. Department of Housing & Urban Development (HUD).

FL Hardest-Hit Program

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The federal government has allocated funding to help pay the mortgages of qualified homeowners who are unemployed or underemployed through no fault of their own. The Florida Hardest-Hit (HHF) program aims to assist qualified Florida homeowners by providing mortgage assistance for up to twelve (12) months (capped at $24,000), or until the homeowner finds adequate employment to resume paying the mortgage (whichever comes first), with up to $18,000 available to reinstate a delinquent first mortgage prior to payments being made. Additionally, for a homeowner who is recovering from unemployment/underemployment, up to $25,000 is available as a one-time payment to reinstate a delinquent first mortgage.

HHF assistance is paid directly to the loan servicer/lender for those homeowners deemed eligible to participate in the program.

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 77098 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.

Mid-Florida Housing Partnership 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:

Joanna Maldonado
maldonadoj_mfhp@bellsouth.net (English and Spanish)
(386) 274-4441 Ext. 301

Lydia Gregg
lgregg_mfhp@bellsouth.net (English)
(386) 274-4441 Ext. 304

Fax (386) 274-1415


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