Thank you for using the official Florida Hardest-Hit Fund Principal Reduction (HHF-PR) Website! 

Attention Previous Applicants: If you were deemed ineligible and wish to have your application re-evaluated, DO NOT begin a new application for the Florida HHF-PR Program. To have your application re-evaluated, please contact your original HHF-PR Advisor (advisor). If you do not know who your advisor is, call the toll-free HHF Information Line at 1-(877) 863-5244 to speak with an agent.

This site contains all the information you will need to begin your application for the Florida HHF-PR program, with step-by-step instructions and prompts to help you. In addition, there are facts about the program, answers to frequently asked questions (FAQs) and other information that may be helpful to you. 

The federal government has allocated funding to assist eligible Florida homeowners who owe at least 115% more on their home than its current market value, commonly referred to as the home being “underwater.” The Florida Hardest-Hit Fund Principal Reduction (HHF-PR) program will provide up to $50,000 to an eligible homeowner(s) to help reduce the principal balance of the first mortgage. The program is available in all 67 counties in the State.

Eligibility requirements include, but are not limited to, the following:

    • Must be a Florida resident and a legal US resident/legal alien;
    • Must occupy property as primary residence;
    • Must be current on the monthly mortgage payment (cannot be 60 or more days late on the first mortgage within the past 24 months);
    • Property must have been purchased prior to January 1, 2010;
    • Must have an unpaid principal balance (UPB) that does not exceed $350,000 for the first mortgage;
    • Loan-to-value for the first mortgage must be greater than 115%; and
    • Borrower/Co-Borrower income must be less than 140% of the area median income (AMI) as provided by the US Department of Housing and Urban Development (HUD).

Click here to download the HHF-PR “Frequently Asked Questions” document, which contains the complete list of Florida HHF-PR eligibility requirements and program benefit. 

After reviewing this information, if you determine that your situation does not meet all of the eligibility criteria for participation in the HHF-PR program, you may qualify for Florida HHF Unemployment Mortgage Assistance Program (UMAP) or Mortgage Loan Reinstatement Program (MLRP) assistance. To review program eligibility criteria and/or to submit an application, you will need to visit


  • Please be aware that is the OFFICIAL website for Florida Hardest-Hit Fund Principal Reduction (HHF-PR) program information and to apply for assistance. We strongly encourage you to verify that the website you are using is, in fact, the official Florida HHF-PR website BEFORE you provide your personal information. If you are concerned that you have used a website that is suspicious, contact the HHF Information Line toll-free at 1-(877) 863-5244 to verify the website address.

    Application for the Florida HHF-PR program is FREE-OF-CHARGE and you will not be asked to pay for any eligibility determination services in conjunction with applying for the Florida HHF. 
  • Please be advised that the entities listed below ARE NOT associated with, nor authorized to represent Florida Housing Finance Corporation (Florida Housing) and/or the Florida Hardest-Hit Fund Principal Reduction (HHF-PR) program. Neither Florida Housing nor its authorized representatives will require any fees to apply for or have eligibility determined for the program.

    • Mader Law Group
    • Attorneys Legal Network
    • The Law Center
    • National Loan Restructuring
    • LMPrep LLC
    • Hardship Center
    • KAT Capital Group, LLC

    Also, the following agencies are no longer participating in the Hardest-Hit Fund program:

    • Re-liance Financial, Inc.
    • Second Chance Help Center, Inc.
    • All-American Foreclosure Solutions, Inc.
    • Affordable Housing Centers of America
    • Reliable Business Solutions
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