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


  1. I am an unemployed homeless veteran , my job ended May 9th I was staying in cheap hotels . I was re-employed August the job paid a day rate in which we were made to work between 13 to 16 hours a day . I quit , I was making less than minimum wage and the job was a driving job . This violates all of D.O.T’s laws I gave them notice . This action came under investigation by unemployment . The job ended Oct. 24th I cannot reapply for assistance until Dec. 16th , I am out of everything , money , food , gas , car payment and car insurance , medications . Can you help or know of an agency that does , I have called every one I can think of and everyone that I was directed to contact . So far no one has helped !

    • lcoonrad says:


      If you are in the Daytona Beach area contact Halifax Urban Ministries, 215 Bay Street, Daytona Beach or by phone at:
      SE Volusia 386-761-2839
      Ormond Beach 386-615-1326
      Halifax Area(Daytona) 386-252-0156
      Port Orange 386-761-2839

      Mid-Florida Housing Partnership, Inc.

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