Attention Homeowners!

On Friday, April 27, Florida Housing’s Board of Directors approved changes to eligibility requirements for the Florida Hardest-Hit Fund (HHF) Program. Approved changes will not be effective until US Treasury reviews and accepts the revised term sheets for the program, Advisor Agencies have been re-trained, and the online application website ( is updated. Florida Housing will provide public notification once this has happened.

Click here to view the Board meeting agenda item that details the changes to the program.

Please be advised that the entities listed below ARE NOT associated with or authorized to represent Florida Housing Finance Corporation (Florida Housing) and/or the Florida Hardest-Hit Fund (HHF). Neither Florida Housing nor its authorized representatives will require any fees to apply for or have eligibility determined for the program.

  • Mader Law Group
  • Attorneys Legal Network
  • The Law Center
  • NOVA Debt
  • National Loan Restructuring
  • LMPrep LLC
  • Hardship Center

The following agencies are no longer participating in the Hardest-Hit Fund program:

  • REACH (Real Estate, Education and Community Housing)
  • Reliance Financial, Inc.
  • Second Chance Help Center, Inc.
  • All-American Foreclosure Solutions, Inc.
  • Affordable Housing Centers of America

Thank you for using the Florida Hardest-Hit Fund (HHF) website.

This site contains all the information you will need to begin your application for assistance, with step-by-step instructions and prompts to help you. In addition, there are facts about the program, answers to frequently asked questions (FAQs) and other foreclosure avoidance information that may be helpful to you.

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. Troubled homeowners in all 67 counties who want to apply for HHF financial assistance will be able to do so via this website.

Homeowners who qualify for financial assistance may receive up to six (6) months of monthly mortgage payments (including escrowed mortgage-related payments) and/or funds to pay past due mortgage payments to bring the mortgage current; these funds are paid directly to the loan servicer/lender.

You must meet all eligibility requirements to be considered for the program. PLEASE NOTE: Reduction of income due to the death, divorce or disability of a borrower or co-borrower, or any other household members DOES NOT qualify as a financial hardship for the purposes of this program. Homeowners experiencing a reduction in household income as a result of these situations must also have a documented hardship due to unemployment or underemployment through no fault of their own, and not as a result of death, divorce, or disability of a borrower or co-borrower, or any other household member. Please review the following criteria prior to applying for HHF assistance.

An eligible homeowner:

  • Must be a Florida resident;
  • Must occupy property as primary residence (the property cannot be vacant, abandoned or rented);
  • Borrower/co-borrower must be unemployed or underemployed through no fault of his/her own, which makes the first mortgage unaffordable;
  • Must have documented total household income at or below 140% of the area median income (AMI), adjusted for household size;
  • Must have an active checking/savings account that can be debited by the ACH method of funds transfer;
  • May not have unencumbered assets of $5,000 or more, or three times the current monthly mortgage payment (whichever is greater);
  • Cannot have a bankruptcy that has not been discharged or dismissed; and
  • Cannot have been convicted of a mortgage-related felony in the last 10 years.

The current mortgage:

  • Must be serviced by a participating lender, who agrees to accept payments on behalf of the homeowner;
  • Must not be more than 180 days past due at the time of application;
  • Must have been originated on or before January 1, 2009; and
  • Must have an existing principal balance of less than $400,000.

This list is not all inclusive; other information and documents will be required prior to determining eligibility for HHF financial assistance. For a complete list of all requirements please click here. To begin your application process, click“START HERE.”


Please be aware that is the OFFICIAL website for Florida’s Hardest-Hit Fund (HHF) information and to apply for assistance. We strongly encourage you to verify that the website you are using is, in fact, the official Florida HHF website BEFORE you provide your personal information. If you are suspicious that the website you are using is not the correct site, contact the HHF Information Line toll-free at 1-(877) 863-5244 to verify the website address. Application for the Florida’s Hardest-Hit Fund program is FREE-OF-CHARGE and you will not be asked to pay for any eligibility determination services in conjunction with applying for the Florida HHF.

Thank you.

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