Emergency Financial Assistance for Housing Program (EFAHP)

Provides a one-time payment of up to $400 to families who are totally without shelter or face the loss of shelter because of non-payment of rent or mortgage. It also helps those families who have had household disasters such as fire, flood, or other accidents. Please call us toll-free at 1-877-891-6445 or

Florida Affordable Housing Locator

Visit their website at

Florida Housing

Florida Housing, created by the Florida Legislature over 20 years ago, administers a number of rental housing and homeownership programs that help low income Floridians obtain safe, decent affordable housing that might otherwise be unavailable to them. Call (850) 488-4197 or go to

Free Bankruptcy Advice

Families who cannot use other debt solutions may need to speak with an attorney. The nation’s largest consumer law firm has made this hotline available. Your client may call for a free conversation to discuss whether debt relief under bankruptcy makes sense for them. (800) 379-0985

Homeless Assistance Directory

Florida 2-1-1 Referral Network, just dial 211.

Homeownership Loan Assistance Program for Miami-Dade County

The Miami-Dade Housing Agency (MDHA), in conjunction with private lenders, assists very low to moderate-income individuals and families with the purchase of a home as their primary residence, by providing low-interest second mortgages. Program participation is limited to “one time only” per family. For a listing of participating developers and lenders, contact: MDHA’s Development and Loan Administration Division (DLAD) at 305-250-5238

Homeownership Through Work

This is a program for very-low Income persons or former welfare recipients earning no more than 100 percent of area median income or individuals earning below 50 percent of the area median income. Loans can be used to purchase a home with a minimum contribution of 1.5 percent of the applicant’s own funds towards a 5 percent down payment. For more information call Lourdes Valdes with Greater Miami Neighborhoods at 305 324 5505.

Housing Counseling

The US department of housing and urban development (HUD) sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, credit issues, and reverse mortgages. For a list of office locations call 305-373-9750 or visit them at

Low-Income Home Energy Assistance Program

The Low-Income Home Energy Assistance Program (L.I.H.E.A.P.) provides grants to local governments and non-profit agencies to assist eligible low-income households in meeting the costs of home heating and cooling call (305) 347-4685 – 395 Northwest 1st Street, Suite 105, Miami, Florida 33128.

Miami Dade County Homeless Helpline

To refer a homeless person(s) to housing and/or services, please contact the Homeless Helpline at 1-877-994-HELP(4357)

Miami Dade Housing Agency

Develops, acquires, leases and operates affordable housing for city residents with limited incomes- Call 305-638-6464 or

Mortgage Payment Assistance

For employees falling behind on mortgage payments, this national agency will work with their mortgage company to arrange a workout plan to catch up missed payments. Housing counselors will discuss all options available to avoid foreclosure. The agency does not make loans or buy property. Call 800-750-8956

Nationwide Foreclosure Intervention Hotline

Call 800-995-HOPE or

Neighborhood Housing Services

Neighborhood Housing Services (NHS) is a nonprofit organization committed to promoting neighborhood revitalization and affordable housing for low-to-moderate income residents in Miami-Dade Provides money in a single loan to buy and repair or renovate a home. Borrowers may be eligible for down payment and closing cost assistance. Call 305-751-5511- 181 N.E. 82nd St. Miami, FL 33138

South Florida Community Development Corporations (CDC)

The Coalition is composed of nonprofit developers and their partners working to reverse the downward spiral of social and economic conditions in South Florida’s lowest income neighborhoods. For a directory of their offices in Miami Dade call 305-373-7233 go to

Subsidized Rental Apartment

To visit their website
click here