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Florida's Hardest Hit Principal Reduction Program reopens for applications Thursday, May 15. If you are underwater but still current on your mortgage payments, this may be the program for you!

This program assists eligible homeowners who have remained current the last 24 months on their payments, and who owe at least 125% more on their home than its current market value, commonly referred to as the home being "underwater." Up to $50,000 in assistance is provided to reduce the principal balance of the first mortgage, bringing the loan-to-value to no less than 100%. Among other stringent requirements, the home must be the primary residence and the homeowner's income has to fall below 140% AMI, adjusted for household size. In St. Johns, Clay and Duval Counties, that would be $88,480 for a family of four.

For more information about the program and to see if you may qualify, call us at 904-819-1266!

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For 15 years the St. Johns Housing Partnership has creatively blended a unique force of individuals and community volunteer support groups, (business, corporate, educational and religious), to significantly impact the need for affordable housing and affordable living in St. Johns County Florida, and now, the surrounding geographical region.  

This highly successful approach, combined with funding from individuals, private foundations, corporate donors and government, has provided the means for SJHP’s expansion of services in both the scope of work provided, and the geographic areas receiving these services. Read More >>