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 04575 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.

Tallahassee Lenders' Consortium 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 [850-222-6609].

The federal government has allocated funding to the State of Florida to help address the significant mortgage-related challenges experienced by many homeowners. Florida Housing Finance Corporation (Florida Housing) is using a portion of these funds specifically for a principal reduction program that provides assistance to eligible homeowners who have remained current on their payments and who owe at least 125% 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%. This is done to help effectuate a recast of the mortgage, which lowers the monthly payment to better correspond to the market value of the home. HHF-PR 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-PR official website at www.PrincipalReductionFLHHF.org to review eligibility criteria and to apply; please you Referral Code 04575 when completing your application. For further questions, contact the Florida Hardest-Hit Fund Toll-Free Information line at 1-(877) 863-5244, Monday-Friday, 9:00 a.m. - 5:00 p.m.


Tallahassee Lenders' Consortium is an approved HHF-PR Advisor Agency. After reviewing HHF-PR program benefits/guidelines and eligibility criteria on the official website, you may contact us for an appointment at 850-222-6609.



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