Hardship Assistance Member First Mortgage. Attention homeowners affected by hurricanes Harvey or Irma. Mortgage assistance may be available to you Federally regulated Fannie Mae and Freddie Mac have come together to get the word out about mortgage relief options for those affected by natural disasters, including Hurricanes Harvey and Irma. Our goal is to make sure you have time to focus on your safety. Please click here for information regarding what help is available. To apply for disaster assistance, you can speak with a HUD Counselor or visit the following websites Sometimes life throws you a curveball, and when that happens you may need to alter the plan. Member First Mortgage will work diligently to assist members who are experiencing a hardship in their life. Foreclosure Prevention Assistance may be available to aid Hardest Hit Homeowners in your area, please choose the appropriate link for your state If the above listed programs are not available to you for any reason, the next step is to take an in depth look at your case. To apply for Hardship Assistance, click the link below and complete the application. If you have any further questions please contact our Home Preservation Department at To apply for Hardship Assistance please fill out the Hardship Assistance Request Form. Mortgage Hardship Programs Florida' title='Mortgage Hardship Programs Florida' />A variablerate mortgage, adjustablerate mortgage ARM, or tracker mortgage is a mortgage loan with the interest rate on the note periodically adjusted based on an. What options do I have to avoid foreclosure Refinance. A new loan with new terms, interest rates and monthly payments that completely replaces your current mortgage. Even if your home value has decreased or you owe more than your home is worth, you may be able to refinance your loan as part of the governments Home Affordable Refinance Program HARP. Make your payment more affordable by lowering your interest rate or adjusting the terms of your loan. Creates no negative activity or event on your credit history. Stay in your home and avoid foreclosureTo Apply for a Refinance please click here. Repayment Plan. An agreement between you and your mortgage company that lets you pay the past due amount added on to your current mortgage payments over a specified time period to bring your mortgage current. Resolve your delinquency. Catch up on your past due payments over an extended period of time. Assistance with utility and electric bills in Florida. Florida Power and Lights ASSIST Program covers a large network of agencies and social service organizations. MOD_8-2015.JPG' alt='Mortgage Hardship Programs Florida' title='Mortgage Hardship Programs Florida' />Less damaging to your credit score than a foreclosure. Stay in your home and avoid foreclosure. Forbearance. An offer by your mortgage company to temporarily suspend or reduce your monthly mortgage payments for a specified period of time. Have time to improve your financial situation and get back on your feet. Less damaging to your credit score than a foreclosure. Stay in your home and avoid foreclosure. Modification. An agreement between you and your mortgage company to change the original terms of your mortgagesuch as payment amount, length of loan, interest rate, etc. You may also be eligible for the governments Home Affordable Modification Program HAMP created to help struggling homeowners. May reduce your monthly mortgage payments to a more affordable amount. Less damaging to your credit score than a foreclosure. Stay in your home and avoid foreclosure. Short Sale. A Short Sale, also known as a pre foreclosure sale, is when you sell your home for less than the balance due on your mortgage. With your lenders permission, you may list and sell your home at fair market value, even if the amount you receive from the sale is less than the amount you owe. Mortgage Hardship Programs Florida' title='Mortgage Hardship Programs Florida' />If anyone has a good sample letter illustrating extreme hardship as defined under I601 that have been APPROVED, feel free to contribute to this thread. Please. Follow CBSMIAMI. COM Facebook TwitterMIAMI CBSMiami Florida homeowners who may have trouble making their mortgage payments after Hurricane Irma could be eligible. Florida disability benefit programs. Resources are provided to Florida residents with a disability. The types of assistance and services administered are wide ranging. This section shall be known and may be cited as the Florida Interlocal Cooperation Act of 1969. A Short Sale is an alternative to foreclosure and may be an option if You are ineligible to refinance or modify your mortgage. You are facing a long term hardship. You are behind on your mortgage payments. Deed in Lieu. As a last resort to avoid foreclosure, you may be able to voluntarily deed your property back to your lender. Repair Patch For Intex Pool'>Repair Patch For Intex Pool. Its typically required to maintain the property in a clean and undamaged condition and also list the property for sale at Fair Market Value for at least 9. However, after inspection and approval, you could be eligible to receive relocation expenses to help cover your move. Additional Resources. For additional information about preventing foreclosure, avoiding fraud scams and accessing approved counseling at no cost to you, visit Visit Freddie Macs My Home website at www. Fannie Maes www. Find available HUD Approved housing counselors by calling the US Department of Housing and Urban Development at 8. If you would like more information about VA Veterans Administration, you can access the VA website at www. You can also learn where to speak to a VA Loan Representative by calling 8. Hay ayuda GRATIS a su disposicion ofrecida por agencias de asesoria en vivienda aprobadas por HUD. VEA www. hud. govfindacounselor para confirmar que la agencia de asesoria esta aprobada por HUD. Por telefono, llame al servicio localizador de asesoria en vivienda de HUD al 8. Escalation Questions. Within the last 3. Hardship Assistance and been denied or feel the option offered was not appropriate for your situation you may escalate your case for a second review. This request must be made in writing. Explain in detail what you wishneed to discuss. Include your account number, relevant dates and the names of any MFM employees you have been working with on this matter. Provide any other information that you think will help to achieve the outcomes you want. Email to compliancememberfirstmortgage. Or mail to  Member First Mortgage, Compliance. Street SEGrand Rapids, MI 4. We will respond to your request within three 3 business days. Free Legal Aid Florida State Programs. FREE LEGAL AID FLORIDA PRO BONO ATTORNEYSPrograms can offer Free Legal Aid Florida assistance and legal advice and in some cases legal representation for individuals who qualify in the sunshine state. Non profit civil law firms are willing to donate their time and expertise and provide free legal services to low income residents in the state of Florida providing local attorneys assistance and equal access to justice for those who cannot afford to pay for legal representation. These organizations have attorneys, law students, paralegals and other legal professionals dedicating their time and money to provide work pro bono, meaning for the public good, or without charge. Low income Florida residents can seek pro bono legal help and assistance for issues ranging from Adoption, Child Custody, Dissolution of Marriage, AIDSHIV, Domestic Violence, Elder Law, Housing, Individual Rights, Termination of Parental Rights, Public Benefits, Employment, Real Estate, Wills, Federal Civil, Bankruptcy, Immigration and Criminal Matters. For a person to qualify for free legal aid assistance depends on factors such as Location. Must be low income below the federal poverty line. Case must be of a civil nature. The agency staff and resources. Legal issue must be covered by the agency or law firm. This website was created to help the community by providing up to date information about legal aid firms and organizations advocating for the indigent families and low income people. Free Legal Aid Florida Programs. Altamonte Springs. Seminole County Bar Association Legal Aid Society, Inc. Boston Ave Ste 2. Altamonte Springs. Phone 4. 07 8. 34 1. Fax 4. 07 8. 34 2. Belle Glade. Florida Rural Legal Services, Inc. Belle Glade 5. 619. Bradenton. Gulfcoast Legal Services, Inc. Bradenton 9. 417. Brooksville. Community Legal Services of Mid Florida, Inc. Brooksville 8. 00 3. Clearwater. Gulfcoast Legal Services, Inc. South Missouri Avenue Ste 1. Phone 7. 27 4. 43 0. Fax 7. 27 4. 61 9. Intake Phone 7. 27 4. Cocoa. Community Legal Services of Mid Florida. Phone 8. 00 3. Dade City. Bay Area Legal Services. Dade City 3. 525. Daytona Beach. First Union Tower. Seabreeze Blvd Ste 6. Phone 9. 04 2. 55 2. Fax 9. 04 2. 55 6. Community Legal Services of Mid Florida, Inc. Daytona Beach, Phone 8. Escambia. Legal Services of North Florida, Inc. Escambia 8. 50 4. Ft. Lauderdale. Legal Aid of Broward County. SW 1st Ave. Fort Lauderdale. Phone 9. 54 7. 65 8. Fax 9. 54 7. 65 5. Legal Aid Service of Broward County, Inc. Ft. Lauderdale 9. Gainesville. Three Rivers Legal Services, Inc. Gainesville 3. 523. Florida Institutional Legal Services, Inc. Gainesville 3. 52 2. Green Cove Springs. Jacksonville Area Legal Aid, Inc. Green Cove Springs 9. Fort Pierce. Florida Rural Legal Services, Inc. Fort Pierce 7. 72 4. Ft. Walton Beach. Legal Services of North Florida. Ft. Walton Beach 8. Ft. Myers. Florida Rural Legal Services. Cleveland Avenue 1. Phone 2. 39 3. 34 4. Fax 2. 39 3. 34 3. Intake Phone 2. 39 3. Lee County Bar Association, Inc. Florida Rural Legal Services. Phone 9. 41 3. 34 0. Fax 9. 41 3. 34 0. Ft. Pierce. Florida Rural Legal Services, Inc. Volunteer Attorney Project. PO Box 4. 33. 3 1. Phone 5. 61 4. 66 4. Fax 5. 61 4. 89 3. Gainesville Three Rivers Legal Services, Inc. Volunteer Attorney Program. N. W. 8th Ave Suite D 5. Phone 3. 52 3. 72 0. Fax 3. 52 3. 75 1. Intake Phone 8. 00 3. Florida Immigrant Advocacy Center. Immokalee 2. 39 6. Florida Rural Legal Services, Inc. Immokalee 9. 416. Inverness. Withlacoochee Area Legal Services, Inc. Acrobat Distiller 4.0 For Windows 8. Inverness Phone 8. Jacksonville. Jacksonville Area Legal Aid Public Service Project. W Adams St. Phone 9. Fax 9. 04 3. 53 5. Intake Phone 9. 04 3. Key West. Legal Services of the Florida Keys. Key West 3. 05 2. Kissimmee. Community Legal Services of Mid Florida, Inc. Kissimmee, Phone 8. Lakeland. Volunteer Involvement Project, Affordable Legal Services. Phone 8. 63 6. 88 7. Fax 8. 63 6. 83 7. Heart of Florida Legal Aid Society. Lakeland 8. 63 5. Lake City. Three Rivers Legal Services. Lake City 9. 047. Free Legal Aid Florida MIAMICuban American Bar Assoc. Pro Bono Project. Biscayne Blvd. Phone 3. Fax 3. 05 5. 76 6. Intake Phone 3. 05 5. Dade County Put Something Back Pro Bono Project. NW 1st Ave. Phone 3. Fax 3. 05 3. 72 7. Intake Phone 3. 05 5. Florida Immigrant Advocacy Center, Inc. Miami 3. 055. 73 1. Legal Aid Society of the Dade County Bar Assoc. Miami 3. 055. 79 5. Florida Immigrant Advocacy Center. Miami 3. 055. 73 1. Legal Services of Greater Miami, Inc. Main Office 3. 05 5. South Dade 3. 052. Volunteer Lawyers Project For Southern District Of Florda. S. Biscayne Blvd. Suite 2. 87. 0. Phone 3. Fax 3. 05 3. 58 0. Naples. Legal Aid Society of Collier County. Naples 2. 39 6. 57 7. New Port Richey. Bay Area Legal Services. New Port Richey 7. Ocala. Community Legal Services Of Mid Florida. SW Broadway Street. Phone 8. 00 3. Fax 3. Intake Phone 3. 52 6. Withlacoochee Area Legal Services. SW Broadway Street. Phone 8. 00 3. Okaloosa. Legal Services of North Florida. Opa Locka. Saint Thomas University Human Rights Institute. NW 3. 2nd Ave. Phone 3. Fax 3. 05 6. 28 6. Intake Phone 3. 05 6. Orlando. Legal Aid Society of the Orange County Bar Assn, Inc. E Robinson St. Phone 4. Fax 4. 07 6. 48 9. Internet Business Promoter 11 5 Business Edition Cracked Iphone. Community legal Services of Mid Florida, Inc. Orlando 8. 00 3. Palatka. Volunteer Lawyers Project. Phone 9. 04 3. 28 8. Fax 9. 043. 28 4. Panama City. Legal Services of North Florida, Inc. Panama City 8. 507. Pensacola. Northwest Florida Legal Services, Inc. South J Street. Phone 8. Fax 8. 50 4. 34 1. Intake Phone 8. 50 4. Plant City. Bay Area Legal Services, Inc. Plant City 8. 137. Pompano Beach. Pompano Beach 9. Quincy. Legal Services of North Florida, Inc. Quincy 8. 508. 75 9. Rockledge. Brevard County Legal Aid, Inc. Florida Ave S. Phone 4. Fax 4. 07 6. 33 4. Intake Phone 4. 07 6. Sanford. Community Legal Services of Mid Florida, Inc. Sanford 8. 00 3. Santa Rosa. Legal Services of North Florida, Inc. Santa Rosa 8. 50 4. Sarasota. Legal Aid of Manasota, Inc. Main St 3. 02. Phone 9. Fax 9. 41 3. 64 8. Gulfcoast Legal Services, Inc. Sarasota 9. 413. Free Legal Aid Florida St. PETERSBURGCommunity Law Program. Avenue North Rm 5. Saint Petersburg. Phone 7. 27 5. 82 7. Fax 7. 27 3. 23 7. Intake Phone 7. 27 3. Bay Area Legal Services. St. Petersburg 7. Gulfcoast Legal Services, Inc. St. Petersburg 7. Sumter. Community Legal Services of Mid Florida,Inc. Sumter 8. 00 3. Free Legal Aid Florida TALLAHASSEEFlorida Legal Services Voluntary Pro Bono Attorney Plan. Delta Blvd. Phone 8. Legal Services of North Florida Private Bar Involvement Program. Delta Blvd. Phone 8. Fax 8. 50 3. 85 7. Phone 9. 04 3. 85 9. The Legal Aid Foundation of the Tallahassee Bar Assn, Inc. S Monroe St Ste 4. A. Phone 8. 50 2. Fax 8. 50 2. 22 3. Free Legal Aid Florida TAMPABay Area Legal Services, Inc. Volunteer Lawyers Program. W Martin Luther King Jr. Blvd 2. 00. Phone 8. Fax 8. 13 2. 32 1. Intake Phone 8. 13 2. Bay Area Legal Services, Inc., Ryan White Outreach Program. E Twiggs St. Phone 8. Fax 8. 13 2. 29 8. Tavares. Community Legal Services of Mid Florida, Inc. Tavares 8. 00 3. Free Legal Aid Florida WEST PALM BEACHLegal Aid Society of Palm Beach County, Inc. Fern St Ste 2. 00. West Palm Beach. Phone 5. Fax 5. 61 6. 55 5. Florida Rural Legal Services, Inc. West Palm Beach 5.