Mortgage Default

The Polk County Mortgage Assistance Program can provide you with up to 6 months of mortgage payments (Max. of $12,000) to help save your home from mortgage default and become more financially stable. To see if you qualify, take the Pre-Screening Survey.

Click here to begin



Need Housing Counseling?

HANDS is here to assist you in improving your credit and maintaining a budget to help you qualify for an affordable home loan. HANDS provides comprehensive, private housing counseling sessions in Orlando and the mass homeownership education seminars necessary to receive down payment assistance (like NSP and SHIP) from Central Florida cities and counties. We also help families avoid mortgage foreclosure and predatory loans. Foreclosure prevention counseling is always FREE regardless of household income.

Our agency also operates an Affordable Housing Resource Center through this website, providing information and counseling session scheduling, all mostly free of cost, to very-low, low and moderate income persons in search of affordable rentals and homes. The organization serves over 4,000 Central Florida residents per year, mainly residents of Orange, Osceola, Seminole and Lake Counties.

HANDS unfortunately does not provide shelter information for families with monthly income less than $800.  

>>> Click Here for a List of Shelters


For food, clothing, and other resources contact _______ or dial (407) 839-HELP (4357).