stop-foreclosure-sell-houseThe 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 twelve (12) months capped at $24,000), or until the homeowners 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 to review eligibility criteria and to apply. For further questions, contact the Hardest-Hit Toll Free Information line at 1-(877) 863-5244, Monday – Friday, 9:00am – 5:00pm.

Housing & Education Alliance (HEA) 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 (813) 963-HOME (4663) or Fax: (813) 932-4660 or email to Please include in the subject line Florida’s Hardest Hit Fund (HHF).

Mission: Empowering and enriching the lives of the people who come to us for services in financial literacy, homeownership education and housing counseling. Giving them the tools they need in order to make positive behavioral changes that will improve their financial futures.

Our Vision: Empowering families and individuals to build wealth through homeownership.