Housing and Foreclosure Counseling Unit
For more Information contact our office at: 386-506-5384 / Toll Free 877-506-0019
Community Legal Services of Mid-Florida, a HUD approved Housing Counseling Agency, can provide information on; buying a home, default and delinquency, foreclosure prevention, renting and credit issues. Your Counselor can help you create a budget that supports your housing needs and other expenses.
There is no charge to work with a CLSMF Housing Counselor.
What We Do:
Foreclosure Prevention: Work with the borrowers to help understand their current financial situation, what options may be available to them and then working together with the borrower we assist in completing and submitting packets for review to servicers.
Budget and Credit: Reviewing borrowers financial situation on an on-going basis, helping them make adjustments in order to be successful in their housing goals. CLSMF housing counselors are FDIC Money Smart certified instructors.
Homebuyer Education Workshops: We provide group education sessions on the home buying process. Each session provides 8-hours of pre-purchase education regarding the preparation, readiness and qualifications for homeownership. Visit our calendar page for event dates and locations.
Post-Purchase Financial Literacy Workshops: We provide 2-4 hours of comprehensive financial education using the FDIC Money Smart curriculum. This curriculum is designed to help low-and moderate-income households outside the financial mainstream enhance their financial skills and create positive banking relationships.
Rental Counseling: Assisting those seeking to: locate, secure and/or maintain rental housing.
Florida Hardest Hit Program:
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 Fund (HHF) program aims to assist qualified Florida homeowners by providing mortgage assistance for up to 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 26098 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.
Community Legal Services of Mid-Florida 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 (386) 506-5384 or 877-506-0019.