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Hardest Hit Fund (HHF) - Mortgage Loan Reinstatement Payment (MLRP) Program
Florida Housing Finance Corporation


Florida Housing Finance Corporation
227 North Bronough Street Suite 5000
Tallahassee Florida 32301

Program Overview

Hardest Hit Fund (HHF) - Mortgage Loan Reinstatement Payment (MLRP) Program is a a program that provides up to $25,000 to bring the homeowner’s past-due first mortgage current if the homeowner can show the ability to resume making mortgage payments on his/her own; for a homeowner who received funding from the UMAP program, any unused funds up to $12,000 may be used in addition to MLRP funds to help bring the first mortgage current. Program available in all 67 counties in Florida.

The application fee is $ 0.

Who is eligible for thisTest program?

Homeowners who have been unemployed, underemployed and experienced at least a 10 percent reduction in income, and are now able to make their payments. In order to qualify for reinstatement funds, the homeowner must show that their monthly housing debt is less than 31% of the homeowner’s gross monthly income. The homeowner must meet eligibility and program underwriting guidelines, and must complete a hardship affidavit.

Is thisTest program for first time buyers only? No

Property Eligibility Requirements

Homeowner’s primary residence must be located in Florida and can be any one of the following structures: A single-family home; condo; townhome; manufactured or mobile home; or a two-,three- or four-family dwelling unit

Benefit Details

Benefit: 0% percent, deferred-payment loan The loan can be forgiven over a five-year period, at a rate of 20% each year.
Owner Occupancy Required:Yes

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