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).

Principal Reduction Program within the Hardest Hit Program (HHF-PR)

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principle reduction fhh

Florida Housing Finance Corporation (Florida Housing) has a principal reduction program that provides assistance to eligible homeowners who have remained current on their payments and who owe at least 115% more on their home than its current market value, commonly referred to as the home being “underwater”.

  • The Florida Hardest-Hit Fund Principal Reduction (HHF-PR) program is designed to assist eligible homeowners by providing up to $50,000 to reduce the principal balance of the first mortgage, thereby reducing the loan-to-value (LTV) of the first mortgage to no less than 100%.

Florida homeowners may apply for the Florida HHF-PR Program using the web-based, online application system at www.PrincipalReductionFLHHF.org.  The site contains all the information a homeowner needs to apply, including detailed eligibility criteria, step-by-step prompts and answers to frequently asked questions (FAQs).

To find out if you qualify for assistance, please visit the HHF-PR official website at http://www.PrincipalReductionFLHHF.org to review eligibility criteria and to apply; Please use Referral Code 77098 when completing your application.

Mid-Florida Housing Partnership is an approved HHF-PR Advisor Agency.  After reviewing HHF-PR program benefits/guidelines and eligibility criteria on the official HHF-PR website, you may contact us for a pre-screening at:


Monica Huber

mhuber_mfhp@bellsouth.net  (English)

(386)274-4441 Ext. 303


Joanna Maldonado

maldonadoj_mfhp@bellsouth.net  (English/Spanish)

(386)274-4441 Ext. 301