First announced on February 19, 2010, by the US Department of the Treasury (Treasury), the “Housing Finance Agency (HFA) Innovation Fund for the Hardest-Hit Housing Markets” (HFA Hardest-Hit Fund) provides federal funding to states hardest hit by the aftermath of the burst of the housing bubble. To date, $7.6 billion has been allocated to 18 states and the District of Columbia; Florida’s share totals more than $1 billion. The Florida Hardest-Hit Fund (HHF) Programs are as follows:
Unemployment and Mortgage Reinstatement Programs
Unemployment Mortgage Assistance Program (UMAP)

Will provide up to 12 months of payments (with a cap of $24,000, whichever comes first) paid directly to the mortgage lender to assist unemployed or underemployed borrowers with their first mortgage. In addition, up to $18,000 can be paid to help satisfy all or some of any past due amounts owed to the mortgage lender; this assistance will be paid prior to the UMAP payments beginning and cannot exceed $18,000 total. Total assistance available is up to $42,000.

Mortgage Loan Reinstatement Payment (MLRP) Program

Will be used as a one-time payment to the mortgage lender to help satisfy all or some of any past due amounts owed on the first mortgage, only. This assistance cannot exceed $25,000 total, and any past due amounts over and above the $25,000 cannot be paid by the MLRP program and are the responsibility of the homeowner.
Florida homeowners may apply for either of these unemployment/mortgage reinstatement programs using the web-based, online system at www.FLHardestHitHelp.org.

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Eligibility requirements include, but are not limited to, the following:

  • Must be a Florida resident and a legal US resident/legal alien;
  • Must occupy property as primary residence;
  • Must be unemployed or underemployed, with at least a 10 percent reduction in income

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PUJOL LAW GROUP is the only law firm in Miami which is an approved HHF Advisor Agency, and has processed in excess of 8,000 HHF applications. After reviewing HHF program benfits/guidelines and eligibility criteria on the official HHF website, you may contact us for a pre-screening at (305) 447-0059




the banks and credit companies have lawyers so should you pulow law group

Have questions about your rights? All of our consultations are free. Call us at:

(305) 447-0059