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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…

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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…

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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.…

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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.

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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…

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Housing

Reasonable Accommodations and Reasonable Modifications

It is illegal for housing providers to discriminate against you based on your mental, physical, or intellectual disability. Actions such as denying you housing or a mortgage, denying a reasonable accommodation or modification request, or not providing accessible units for multi-family homes built after 1991 are considered discriminatory when based…

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Fair Housing | 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…

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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…

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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…

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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