Help for Families & Individuals
Below is a menu of resources available to local families and individuals who have been impacted by COVID-19, from social services to legal assistance.
The State of Florida recently announced the Homeowner Assistance Fund (HAF), established by the American Rescue Plan Act of 2021, created to prevent mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services, and displacement of homeowners experiencing financial hardship after January 21, 2020. This new program is set to be managed and operated by the Florida Department of Economic Opportunity (DEO) on behalf of the State of Florida, starting sometime in the late fall of 2021. Please visit their website for updated information. Phone Line: (833) 987-8997.
NOTE: This is not a City of Miami program. This information is provided for helpful reference only, we have no additional details or insight to the program.
The State of Florida launched the Hometown Heroes program on June 1, 2022. The Hometown Heroes program provides eligible frontline workers (including law enforcement officers, firefighters, educators, healthcare professionals, childcare employees) who qualify with lower than market rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance. Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. For more information on how to apply and a list of qualifications, visit www.floridahousing.org/hometownheroes
Consider contacting one of the legal organizations below for assistance with foreclosure, eviction, employment and other legal matters. Note that this listing is not an endorsement, but is provided for informational purposes:
Cuban American Bar Association
1898 N.W. 7th Street, Miami, FL 33125
Legal Aid Society
123 N.W. First Avenue, Suite 214, Miami, FL 33128
Phone: 305-579-5733 Ext. 2285
Legal Services of Greater Miami
4343 W. Flagler Street, Suite 100, Miami, FL 33134