Thank you for using the official Florida Elderly Mortgage Assistance (ELMORE) Program Website!This site contains all the information you will need to learn how to apply for the Florida ELMORE program. You may download facts about the program (En Español), answers to frequently asked questions (FAQs) (En Español) and other information that may be helpful to you.
Once you review this information, if you have further questions and/or want to apply, please call the toll-free ELMORE Application and Information Line at 1-(800) 601-3534. This application/information line is open and staffed with live certified ELMORE advisors on Monday – Friday, 9:00 a.m. – 7:00 p.m., closed on Saturday & Sunday.
The federal government has allocated funding to assist senior homeowners with a reverse mortgage remain in their homes by providing eligible borrowers up to $25,000 to bring their property taxes, homeowner's insurance, flood insurance and/or homeowners/condo association dues (property charges) current, to the extent that these property charges have been paid on behalf of the senior homeowner by the servicer of their reverse mortgage. The senior homeowner may also be eligible to have up to 12 months of future property charges paid on their behalf, as well. 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;
- Total household income (including all persons living in the home age 18 years and older) must be less than 140% of the area median income (AMI) as provided by the US Department of Housing and Urban Development (HUD);
- If there has been a bankruptcy, it must be discharged or dismissed; and
- Must have suffered a hardship that has resulted in the inability to repay the amounts advanced on their behalf by their mortgage loan servicer to pay property charges (see the FAQs for examples of acceptable hardships).
Click here to download the ELMORE "Frequently Asked Questions" document, which contains the complete list of Florida ELMORE eligibility requirements and program benefits.
Apply Now:Once you review this information, if you have further questions and/or want to apply, please call the toll-free ELMORE Application and Information Line at 1-(800) 601-3534. This application/information line is open and staffed with live certified ELMORE advisors on Monday – Friday, 9:00 a.m. – 7:00 p.m., closed on Saturday & Sunday.
Contact Us:To contact someone who can assist you or answer your questions, please call toll-free ELMORE Application and Information Line at 1-(800) 601-3534.
IMPORTANT PROGRAM ANNOUNCEMENTS!
- Remember, the only way to apply for the Florida ELMORE program is to use the toll-free ELMORE Application and Information Line at 1-(800) 601-3534 to speak to a certified ELMORE advisor.
- Application for the Florida ELMORE 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 ELMORE program.
- 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 ELMORE 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
- Attorney Legal Network
- The Law Center
- National Loan Restructuring
- LMPrep LLC
- Hardship Center
Also, the following agencies are no longer participating in the Florida Hardest-Hit Fund Program:
- REACH (Real Estate, Education and Community Housing)
- Re-liance Financial, Inc.
- Second Chance Help Center, Inc.
- All-American Foreclosure Solutions, Inc.
- Affordable Housing Centers of America