The Housing Division of the Department of Housing & Community Development
administers a number of programs to assist eligible low- and
moderate-income homeowners to rehabilitate their existing housing
units located in the City of Miami.
Eligibility for these housing programs are determined primarily
by the homeowners' household income and size. For more information
please click on the programs listed below:
Homeowner Tips to Avoid Foreclosure
If you are having trouble keeping up with your mortgage payments;
- Do not ignore the problem
- Contact your lender as soon as you
realize you have a problem. Ask for the
"Loss Mitigation Department" or the "Work Out" desk,
where they may be help you with your payments. Be
honest: lenders do not want your house. They may
have options to help borrowers get through difficult
times. Open and respond to all mail received from
- Don't abandon your home. Stay
in it while you work things out with the lender. You
can lose eligibility for some assistance programs if
you move out of your home.
- Understand your options.
Information can be found on the internet at
- Get outside advice. Find a
HUD-approved housing counselor in your area by
calling 1-800-569-4287 or on the internet at
contact the Homeownership Preservation Foundation
Hotline at 1-888-995-HOPE for a personal
- Avoid foreclosure prevention companies.
Your lender or a HUD-approved housing counselor will
help you for free if you contact them.
- Beware of foreclosure scams.
Predatory lenders often target people in financial
distress. Be suspicious of "bargain loans",
"foreclosure solutions", promises to "cure" your
default, or "repair your credit". Don't sign any
documents you do not understand: if you sign a deed
this means that you are selling your home.
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