HUD CONTINUES TO PROVIDE IMMEDIATE HELP TO HOMEOWNERS IN SOUTH FLORIDA
HUD Secretary to troubled homeowners: Don't wait to seek relief; Visit HUD.gov

MIAMI - Distressed homeowners in South Florida do not have to wait for the new housing law to take effect on October 1st in order to be eligible for mortgage relief. HUD’s Federal Housing Administration (FHA) continues to
provide troubled homeowners with access to safe, affordable mortgage products.

Immediate assistance is available by calling 1-800-CALL-FHA or visiting www.FHA.gov. There are more than 35 HUD-approved housing counseling agencies standing by to help homeowners in South Florida (listed below). In addition, homeowners may also call the HOPE Now alliance at: 1-888-HOPE-NOW.

In July, the Bush Administration expanded its flagship mortgage insurance program to assist more homeowners who
are struggling to keep up with their high-cost subprime adjustable rate mortgages. HUD's FHA expanded its
FHASecure refinancing product to insure more mortgages for borrowers who were late on a few payments and/or received a voluntary mortgage principal write-down from their lender.

With this expansion, FHA has helped more than 320,000 families since September 2007 refinance into affordable mortgages and is on pace to help 500,000 American families by the end of this year.

In August 2007, FHA initially modified its refinancing program to help creditworthy homeowners who missed their mortgage payments as a result of the payment shock associated with interest rate resets. FHASecure has further expanded its eligibility criteria to help homeowners who have gone into default as a result of temporary economic setbacks. FHA’s eligibility will now help the following categories of troubled homeowners:

1. Borrowers who are delinquent on their adjustable rate mortgages, but who were late on no more than two
   monthly mortgage payments over the previous twelve months are eligible for the standard 97 percent loan-
   to-value (LTV) FHASecure refinance loan.
   
   
2. Borrowers delinquent on their adjustable rate mortgages who were late on three consecutive monthly
   mortgage payments or at three different times over the past twelve months will be eligible for a 90 percent
   LTV ratio FHASecure refinance loan.

FHASecure can help additional borrowers in South Florida and across the nation access a more viable refinancing option and will offer lenders an alternative to foreclosing on these individuals. Lenders can already voluntarily write down the outstanding subprime mortgage principal balances to a 97 percent or 90 percent LTV ratio depending on
the borrowers' circumstances. FHA will also encourage lenders to make other arrangements, such as subordinate financing, to "fill the gap" between the existing loan balances and the FHA-insurable loan amount. The refinanced
loan amount backed by the FHA would be based upon a new appraisal, performed by an FHA-approved appraiser.

Below is a list of local HUD-approved housing counseling agencies in the area:

Miami-Dade County

ACORN HOUSING, MIAMI, FL
P: (305) 631-9002
F: (305) 631-9050
E: jcastigarrabia@acornhousing.org
W: www.acornhousing.org
1380 West Flagler Street
Suite C
Miami, Florida 33135-0000

AL ANSAR CDC
P: (305) 757-8741
F: (305) 757-9768
E: mikalth@comcast.net
5245 NW 7th Avenue
Miami, Florida 33127

BROWNSVILLE CDC
P: (305) 636-2046
F: (305) 636-2047
E: revllovett@bellsouth.net
4520 NW 27th Avenue
Unit 3
Miami, Florida 33142

CCCS OF THE MIDWEST
P: (800) 355-2227
T: (800) 355-2227
F: (614) 552-4800
E: info@cccservices.com
W: www.cccservices.com/home.asp
12651S. Dixie Hwy
Suite 303
Miami, Florida 33186

CUBAN AMERICAN NATIONAL COUNCIL, INC. – MIAMI
P: (305) 642-3484-129
F: (305) 649-0302
E: jgarcia@cnc.org
W: www.cnc.org
1223 SW 4th STREET
MIAMI, Florida 33135

GREATER MIAMI NEIGHBORHOODS, INC
P: (305) 324-5505-107
F: (305) 324-5506
E: krodriguez@greatermiami.org
W: www.greatermiami.org
300 NW 12th Ave
Miami, Florida 33128

MIAMI DADE NEIGHBORHOOD HOUSING SERVICES, INC
P: (305) 751-5511-258
F: (305) 751-2228
E: royc@mdnhs.org
W: www.mdnhs.org
181 N.E. 82nd Street
Miami, Florida 33138

MIAMI-DADE AFFORDABLE HOUSING FOUNDATION, INC
P: (305) 373-9750
F: (305) 373-9350
E: oajones@bellsouth.net
W: www.co.miami-dade.fl.us
19 West Flagler Street, Suite 311
Miami, Florida 33130

SAINT JOHN COMMUNITY DEVELOPMENT CORPORATION
P: (305) 372-0682
F: (305) 381-9574
E: dalexander@stjohncdc.org
W: stjohncdc.org
1324 NW 3rd Avenue
Miami, Florida 33136

SOUTH FLORIDA BOARD OF REALTORS
P: (305) 653-3580
E: into@sfborfoundation.org
610 nw 180rd Str. #206
Miami, Florida 33169

SOUTH FLORIDA BOARD OF REALISTS
P: (305) 653-3580
F: (305) 653-8242
E: Carolyncarroll@bellsouth.net
610 NW 183rd Street
Suite 206
Miami, Florida 33169

LIFE AND LEARNING CENTERS OF SOUTH FLORIDA, INC
P: (305) 690-4391
T: (866) 690-4690
E: lifeandlearning1@bellsouth.net
18800 NW 2nd Ave # 204
Miami Gardens, Florida 33169

MIAMI BEACH COMMUNITY DEVELOPMENT CORP
P: (305) 538-0090
F: (305) 538-2863
E: karl@miamibeachcdc.org
W: www.miamibeachcdc.org
945 Pennsylvania Avenue 2nd Floor
Miami Beach, Florida 33139

NID-HCA CASSEUS
P: (305) 651-8877
F: (305) 303-9566
E: cassemoniq@aol.com
W: www.nidonline.org
937 NW 206 Terr
Miami Gardens, Florida 33169

OPA-LOCKA COMMUNITY DEVELOPMENT CORPORATION
P: (305) 687-3545-239
F: (305) 685-9650
E: stephanie@olcdc.org
W: www.olcdc.org
490 Opa-Locka Boulevard
Suite 20
Opa-Locka, Florida 33054

CENTRO CAMPESINO, FARMWORKERS CENTER, INC
P: (305) 245-7738
F: (305) 247-2619
E: smainster2@aol.com
35801 SW 186th Avenue
P.O. Box 343449
Florida City, Florida 33034

TRINITY EMPOWERMENT CONSORTIUM
P: (305) 653-8242
E: steffye@msn.com
7 Palms Plaza
Homestead, Florida 33030

VISION TO VICTORY DESTINATION HOME
P: (305) 691-3464
F: (305) 953-8327
E: hesterlinehall@aol.com
13230 NW 7th Avenue
N. Miami, Florida 33168

Broward County

NEW VISIONS COMMUNITY DEVELOPMENT CORP.(NVCDC)
P: (954) 768-0920
F: (954) 768-0964
E: JTUFTS@MTBBC.ORG
W: www.newvisionscdc.com
950 NW 11th Avenue
Ft. Lauderdale, Florida 33311

DEERFIELD BEACH HOUSING AUTHORITY
P: (954) 425-8449
F: (954) 425-8450
E: pamedavis@bellsouth.net
W: dbhaonline.org
533 S. Dixie Hwy
Deerfield Beach, Florida 33441

HAVEN ECONOMIC DEVELOPMENT INC.
P: (954) 423-1637-105
F: (954) 236-3918
E: hmillman@haveneconomic.org
W: HAVENECONOMIC.ORG
12240 SW 53rd Street
Bay 504 Cooper City, Florida 33330-3314

CCCS OF THE MIDWEST
P: (800) 355-2227
T: (800) 355-2227
F: (614) 552-4800
E: info@cccservices.com
W: www.cccservices.com/home.asp
4491 South State Road 7, Ste 201
Davie, Florida 33314

ACORN HOUSING, FORT LAUDERDALE, FL
P: (954) 484-3588
F: (954) 484-3589
E: odonate@acornhousing.org
W: www.acornhousing.org
2700 W. Oakland Park Blvd.
Suite 23 Fort Lauderdale, Florida 33311

URBAN LEAGUE OF BROWARD COUNTY
P: (954) 625-2573
F: (954) 321-2276
11 NW 36 Avenue
Fort Lauderdale, Florida 33313

URBAN LEAGUE OF BROWARD COUNTY (BRANCH OFFICE)
P: (954) 625-2573
F: (954) 321-2276
E: ltaylor@ulbcfl.org
3521 West Broward Boulevard
Suite 201 Fort Lauderdale, Florida 33311

HOPE HUMAN RESOURCES DEVELOPMENT
P: (954) 342-8470
F: (954) 342-8469
E: hopehrd@yahoo.com
2305 Sheridan Street
Hollywood, Florida 33020-2041

BROWARD COUNTY HOUSING AUTHORITY
P: (954) 739-1114-2304
F: (954) 535-0407
E: pbrown@bchafl.org
W: www.bchafl.org
4780 North State Road 7
Main Office
Lauderdale Lakes, Florida 33319

HOUSING FOUNDATION OF AMERICA
P: (954) 923-5001
E: markon2@juno.com
2400 N University Drive # 200
Pembroke Pines, Florida 33024

Palm Beach County

HOUSING PARTNERSHIP, INC.
P: (561) 841-3500-1062
F: (561) 841-3555
E: gfink@gocpg.org
W: www.mypalmbeachhouse.com
2001 W. Blue Heron Blvd.
Riviera Beach, Florida 33404

CCCS OF GREATER ATLANTA - WEST PALM BEACH BRANCH
P: (561) 434-2544
T: (800) 330-2227
F: (561) 434-2540
W: www.cccsinc.org
700 South Dixie Highway, Suite 103
West Palm Beach, Florida 33401

CREDIT CARD MANAGEMENT SERVICES, INC.
P: (561) 472-8000-8001
T: (800) 920-2262
F: (561) 844-0406
E: e4chippa@hotmail.com
W: www.debthelper.com
4611 Okeechobee Boulevard
Suite 114
West Palm Beach, Florida 33417

URBAN LEAGUE OF PALM BEACH COUNTY, INC.
P: (561) 833-1461-25
F: (561) 833-6050
E: weat6347@bellsouth.net
W: www.ulpbc.org
1700 N Australian Avenue
West Palm Beach, Florida 33407

CONSUMER CREDIT MANAGEMENT SERVICES, INC
P: (561) 454-5615
F: (561) 454-5615
E: robert@ccmsclient.org
W: debt-mgt.org
315 NE 2nd Avenue
Delray Beach, Florida 33444

West Coast of Florida

CCCS OF CENTRAL FL AND THE FL GULF COAST, INC. - FORT MYERS BRANCH
P: (800) 741-7040
T: (800) 741-7040
F: (407) 895-3807
E: cccscounselor@cccsfl.org
W: www.cccsfl.org
12811 Kenwood Lane, Suite 111
Fort Myers, Florida 33907

HOUSING AUTHORITY OF THE CITY OF FT. MYERS
P: (239) 344-3245
F: (239) 344-3271
E: vivianw@hacfm.com
W: www.hacfm.com
4224 Michigan Avenue
Ft. Myers, Florida 33916

LEE COUNTY HOUSING DEVELOPMENT CORPORATION
P: (239) 275-5105
F: (239) 275-5920
E: trevalchdc@yahoo.com
W: www.leecountyhdc.org
3677 Central Avenue Suite F
P.O. Box 2854
Ft. Myers, Florida 33902

CCCS OF CENTRAL FL AND THE FL GULF COAST, INC. - NAPLES BRANCH
P: (800) 741-7040
T: (800) 741-7040
F: (407) 895-3807
E: cccscounselor@cccsfl.org
W: www.cccsfl.org
2480 Vanderbilt Beach Road
Naples, Florida 34109

EMPOWERMENT ALLIANCE OF SW FLORIDA
P: (239) 658-3315
F: (239) 657-3084
E: easf@earthlink.net
W: eaffonline.org
750 S. Fifth Street
Immokalee, Florida 34142

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