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Foreclosure Help

If you are in foreclosure or at risk of default, contact the following:

  • Legal Aid: 850-385-7900
  • Florida Bar Attorney Referral Service: 800-342-8011
  • Your mortgage servicer
  • Home Affordable Modification Program: 888-995-4673

 Federal Government and State Attorney Generals Reach Landmark Settlement With Major Banks

After many months of negotiation, 49 state attorney generals and the federal government have reached agreement on a historic joint state-federal settlement with the country’s five Largest loan servicers:

  • Ally/GMAC 800-766-4622
  • Bank of America 877-488-7814
  • Citi 866-272-4749
  • JPMorgan Chase 866-372-6901
  • Wells Fargo 800-288-3212

The settlement provides as much as $25 billion in relief to distressed borrowers and direct payments to states and the federal government. 

The settlement provides assistance for:

  • Homeowners needing loan modifications now
  • Borrowers who are current but underwater
  • Borrowers who lost their homes to foreclosure

For more information, please visit or contact Attorney General Pam Bondi’s Office.

Phone: 850-414-3300 or 866-966-7226

 Florida Hardest-Hit Program

Florida Housing Finance Corporation was directed by the U.S. Treasury to create and administer foreclosure prevention assistance programs that address the unique issues of our state. Two programs are available: 

  • Unemployment Mortgage Assistance Program (UMAP) – Homeowners who are unemployed or underemployed can use loan funds to pay mortgage and escrowed mortgage-related expenses until the homeowner can resume payments for up to 12 months. The participating homeowner will be required to pay 25 percent of his/her monthly income toward the monthly mortgage payment.
  • Mortgage Loan Reinstatement Payment (MLRP) Program – Homeowners returning to work or recovering from underemployment can use loan funds as a one-time payment to bring the past-due first mortgage current.

Information Line: 877-863-5244

 Making Home Affordable

Through Making Home Affordable (MHA) mortgage modifications, homeowners have been able to obtain lower mortgage payments and realize significant savings each month. For homeowners who have seen their home values drop, there are other options that can provide relief. Learn more about these MHA programs:

Home Affordable Modification Program (HAMP)
If you're not unemployed, but you're still struggling to make your mortgage payments, you may be eligible for the Home Affordable Modification Program.

Principal Reduction Alternative (PRA)
If your home is currently worth significantly less than you owe on it, you may be eligible for MHA's Principal Reduction Alternative (PRA).

Second Lien Modification Program (2MP)
If your first mortgage was permanently modified under HAMP and you have a second mortgage on the same property, you may be eligible for a modification or principal reduction on your second mortgage as well.

FHA Home Affordable Modification Program (FHA-HAMP)
If you have a loan that is insured or guaranteed by the Federal Housing Administration (FHA), you may be eligible for a program through that government agency.

USDA’s Special Loan Servicing
If you have a loan that is guaranteed by the United States Department of Agriculture's (USDA) Section 502 Single Family Housing Guaranteed Loan Program, you may be eligible for a program through that government agency.

Veteran’s Affairs Home Affordable Modification (VA-HAMP)
If you have a loan that is insured or guaranteed by the Department of Veterans Affairs (VA), you may be eligible for a program through that government agency.

Phone: 888-995-4673