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• Lending Discrimination

  Your race, color, religion, gender, familial status, or national origin should never affect your ability to qualify for a mortgage — this concept is called “fair lending.” Fair lending is a right provided to you by the Federal Fair Housing Act, with equal protections offered by Florida’s Fair Housing Act.…

  Family & Personal

  Fair Housing | Housing

• Low Income Housing Tax Credit Program

  The Low-Income Housing Tax Credit (LIHTC) Program was designed to encourage private investors to develop affordable housing through new construction, purchasing, and renovation of affordable rental housing for low-income households. The program offers tax credits to landlords, investors, and developers ― allowing them to pay less money in taxes to…

  Family & Personal

  Housing

• Mobile Home Issues

  A Mobile Home is a residential structure, not originally sold as a recreational vehicle, and designed to be used as a house when connected to required utilities. Mobile Homes must have plumbing, heating, air conditioning, and electrical throughout, and are generally 8 feet or more in width, and 35 feet…

  Family & Personal

  Housing

• Mortgage Foreclosures

  People who take out a loan to purchase a home in Florida typically sign a promissory note and a mortgage. A promissory note is a document containing the borrower’s promise to repay the loan, as well as the terms for repayment. The mortgage creates a security interest in the property.…

  Family & Personal

  Housing

  Financial Matters

  Debt & Creditors

• Prevent Home Foreclosure

  Foreclosure occurs when the homeowner is unable to make mortgage loan payments as required. If you miss payments, your lender may be able to legally take back the property through a legal process known as foreclosure. 

  Family & Personal

  Housing

  Financial Matters

  Debt & Creditors

• Public Housing

  The government helps pay for housing under specific circumstances. This is called “subsidized housing,” and there are several different types of programs available. The most common subsidized housing programs are: Public Housing, Housing Choice Voucher, Project-Based Section 8, Section 202, and Low-Income Housing Tax Credit. Each year, the United States…

  Family & Personal

  Housing

• Rental Property Problems after Disaster

  If you rent a home or an apartment that was damaged or destroyed by a natural disaster, you may experience problems with your landlord or struggle to have repairs completed on your residence. When a rented property is damaged due to a disaster, it is common to have questions about…

  Family & Personal

  Housing

  Financial Matters

  Disaster Relief

• Renters’ Rights and Evictions

  A tenant is the person who lives in a rented space. The landlord is the owner or manager of that rental space. If you pay rent to a landlord, you are a tenant. It does not matter whether you pay your rent weekly, monthly, or at other regular periods. It…

  Family & Personal

  Housing

• Reverse Mortgage Foreclosures

  A Home Equity Conversion Mortgage (HECM), often referred to as a “Reverse Mortgage,” is a special type of home loan from the Federal Housing Administration (FHA).  A Reverse Mortgage allows you to withdraw some of the equity in your home. “Home Equity” is the value of your home minus the…

  Family & Personal

  Housing

• Section 8 Housing – Project Based

  Families of Project-Based Section 8 housing live in apartments owned by churches and other non-profits, as well as for-profit corporations and partnerships. These apartments are called “project-based” because the subsidy stays with the unit, not the family. So, when a family moves out, they lose the subsidy. Families apply directly…

  Family & Personal

  Housing