Community Land Trust of Palm Beach County, Inc.

The Community Land Trust of Palm Beach County, Inc. (CLT of PBC) is a non-profit housing provider founded in 2006 to help address the need for affordable housing in Palm Beach County. The organization undertakes a unique model of homeownership to bring the dream of owning a home to many first time homebuyer families that are currently priced out of the market. It has homes for sale that were previously foreclosed and vacant and now completely rehabbed and ready for families to move in.

Website: http://cltofpbc.org
Email Address: ldelhomme@cltofpbc.org
Phone Number: (561)318-8442
Mailing Address: 2240 Palm Beach Lakes Blvd, Suite 302, West Palm Beach, Florida 33409
 

Consumer Credit Management Services, Inc.

Consumer Credit Management Services, Inc. is a non-profit organization approved by the U.S. Department of Housing and Urban Development. It provides foreclosure services to include prevention counseling, pre-foreclosure mediation counseling, and Hardest Hit Fund advisement services to assist homeowners who are struggling to make their mortgage payments. It also provides budget, credit, and debt counseling services to prepare consumers for a first time home purchase.

Website: www.debt-mgt.org
Email Address: Info@ccmsclient.org
Phone Number: (561)454-5634
Mailing Address: 315 NE 2nd Avenue, Delray Beach, FL 33444

DEBTHELPER.COM

DEBTHELPER.COM is a Non-Profit Credit Counseling and HUD Approved Housing Counseling Agency that provides services to help distressed homeowners avoid foreclosure, rebuild credit, and address excessive debt. For those that have never owned a home or have lost a home, DEBTHELPER.COM works with them to become mortgage ready and find subsidies that can reduce the monthly costs of home ownership and/or the up-front out-of-pocket money needed to close on a loan.

Website: www.debthelper.com
Email Address: housing@debthelper.com
Phone Number: (561)472-8000
Mailing Address: 1325 N Congress Ave Ste 201 West Palm Beach, FL 33401

The Homeowner Assistance Division of The Law Office of Paul Krasker

The Homeowner Assistance Division (HAD) at The Law Office of Paul A. Krasker, P.A. provides legal representation focused on the real estate crisis facing Florida’s homeowners. Many clients have hired the firm for foreclosure defense, mortgage modifications (as part of their foreclosure defense), short sale, deficiency judgment defense and debt negotiation. Our firm has experienced staff with substantial experience in assisting homeowners in need. We combine experienced real estate attorneys with aggressive, results-oriented lender negotiators and mitigation staff to service your legal needs.

Website: www.Kraskerlaw.com
Email Address: fsilnik@kraskerlaw.com
Homeowner Hotline: 877-332-1965

Legal Aid Society of Palm Beach County
 

Legal Aid Society of Palm Beach County is a non-profit organization that provides free legal representation and services to low-income and disadvantaged residents of Palm Beach County. Through its Fair Housing Project and Foreclosure Defense Unit, Legal Aid Society staff assists homeowners address predatory lending issues, provides legal advice to pro se homeowners, and represents homeowners to retain their homes.

Website: www.legalaidpbc.org
Email Address: fdu@legalaidpbc.org
Phone Number: (561)655-8944
Mailing Address: 423 Fern Street, Suite 200, West Palm Beach, FL 33401

Realtors® Association of the Palm Beaches

The Realtors® Association of the Palm Beaches, “The Voice of Local Real Estate,” represents more than 7,500 members involved in all aspects of the residential and commercial real estate industries. RAPB works in concert with Florida Realtors® and the National Association of REALTORS® to educate the public as it relates to homeownership and to achieve the best possible results for local property owners, and the communities they serve. RAPB serves as the primary source for local housing statistics and information.

Website: www.rapb.com
Phone Number: 561-585-4544
Realtors Association of the Palm Beaches
Administrative Office and Member Services: One Harvard Circle, Suite 102, West Palm Beach, FL 33409
Member Services Center: 3200 North Military Trail, Suite 102, Boca Raton, FL 33431

Take Root South Florida

Take Root South Florida is a non-profit agency dedicated to providing reliable and trusted resources to help you buy a home or save your home from foreclosure.

Website: www.takerootsouthflorida.org
Phone Number: (561)653-4107 or 211
Mailing Address: 2101 Vista Parkway, Suite 258, West Palm Beach, FL 33411
 

Urban League of Palm Beach County

The Urban League of Palm Beach County’s Comprehensive Housing Counseling Department offers foreclosure mitigation counseling, homebuyer education, first time homebuyers workshops and financial literacy. Appointments are available Monday- Friday from 9am- 5pm and evenings by appointment only. To speak with one of our HUD certified housing counselors to discuss your housing needs please contact us.

Website: www.ULPBC.org
Email Address: tanderson@ulpbc.org
Phone Number: (561)833-1461
Mailing Address: 1700 North Australian Avenue West Palm Beach

Florida’s Hardest Hit Program

The Florida Hardest-Hit Fund Program provides assistance for Florida residents who are unemployed or underemployed. There is a list of requirements participants must meet in order to be eligible for assistance.

Website: www.flhardesthithelp.org/
Phone Number: (877) 863-5244

HAMP 2.0

Home Affordable Modification Program (HAMP) is a government program that helps homeowners modify their mortgage to save them hundreds of dollars per month. The goal is to get your payment to about 31% of your monthly gross income.

Website: www.makinghomeaffordable.gov/programs/lower-payments/Pages/hamp.aspx
Phone Number: (888)995-HOPE
 

CLICK HERE TO FIND OUT IF YOU ARE ELIGIBLE FOR HAMP 2.0

HARP 2.0

HARP 2.0 is the second phase of the government's Home Affordable Refinance Program. The second phase helps more homeowners refinance than the original HARP program. This program is only for homeowners whose mortgage is through Freddie Mac or Fannie Mae.

Website: www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx
Phone Number: (888)995-HOPE

CLICK HERE TO FIND OUT IF YOU ARE ELIGIBLE FOR HARP 2.0

Making Home Affordable

The federal government has made many programs available through the Making Home Affordable Program. Making Home Affordable has an interactive Website that can help you decide which program might best suit your situation.

Website: www.makinghomeaffordable.gov/programs/Pages/default.aspx