Questions and Answers
Florida Hardest-Hit Fund Program Announced to Help Troubled Homeowners
Information on the program announced to help homeowner’s nearing foreclosure
can be found here.
Welcome to the Questions and Answers section of the website! Below you will find
some common Q&A regarding Florida Housing's programs, most frequently asked
questions and more.
Please feel free to use the links below to skip to a section, or simply scroll down
to view all content.
Are you having trouble finding a program or resource? Click here to search programs
alphabetically or by acronym.
What programs are available to assist first-time homebuyers?
Florida Housing's Homebuyer Loan Program offers low interest rate mortgages
as well as down payment assistance to eligible first-time homebuyers. Other cash
and down payment assistance options are available. To find out if you're eligible,
use our Homebuyer Loan Programs Wizard.
Click here for more general questions
and answers on Florida Housing’s Homebuyer Loan Program.
If I have previously owned a home, but don't currently own one, am I eligible
for the Homebuyer Loan Program?
If you have not owned a home in the past three years, you may be eligible to participate
in the Homebuyer Loan Program. Contact a participating lender in your area
to find out if you qualify.
What programs are available for single family builders/developers?
Florida Housing's Homeownership Pool (HOP) Program provides
developers with the ability to reserve funds for eligible homebuyers to provide
I used Florida Housing's Homebuyer Loan Program to purchase my home. I recently sold
the house, and was informed that I must pay a
Recapture Tax. Where can I learn more about this tax?
Good news! You may be eligible for a full reimbursement of any Recapture Tax paid to the IRS. Learn
Where can I find the latest HUD Rent and Income limits?
You can find the most recent Rent limits here. Income limits are posted
Where can I find general information on compliance requirements for Florida Housing’s
Information on rental program compliance requirements and other related details,
such as income limit and rent limit schedules and certification of tenant eligibility
information is available under Property Owners and Managers. On the Property Owners and Managers page you
will also find links to Florida Housing’s Compliance Guidebook and related
Where can I find data and statistics on housing in Florida?
In addition to housing data reports listed in the Newsroom and Library section of
Florida Housing’s website, you can also find data on housing in Florida on
the Florida Housing Data Clearinghouse website at http://www.flhousingdata.shimberg.ufl.edu/ .
How do I become one of Florida Housing’s participating lenders?
Those interested in becoming one of Florida Housing’s participating lenders can find more information
here, including whom to contact, enrollment eligibility and more.
Does Florida Housing provide financing for demonstration projects?
From time to time, Florida Housing may issue a Request for Proposals (RFP) for demonstration
projects that provide affordable housing to certain segments of the population,
such as farmworkers and commercial fishing workers, the elderly and others. You
can find Florida Housing’s RFPs here.
How can I obtain a copy of Florida Housing’s financial statements?
Florida Housing’s financial statements, and other budget related information,
are available here.
Public Records Requests
How can I submit a Public Records Request?
Florida Housing complies with the Public Records Request provisions
for Chapter 119, FS. All requests will be coordinated through the Legal Department
and the program area applicable to the request. Generally, we are able to respond
within 2 working days.
Learn more about submitting your request here.
Is there a fee for a Public Records Request?
There is a $.15 per page charge for any photocopies
of documents involved in the request. For lengthy files, a copy count can be provided
to determine the cost to you prior to the actual copying. There is an additional
charge for postage. There is, however, no charge for any information
or documents which can be supplied via email.
Does Florida Housing provide financing for predevelopment activities?
Yes. Florida Housing’s Predevelopment Loan Program helps nonprofits, community
based organizations, local governments, and public housing authorities plan, finance,
and develop affordable housing. Eligible organizations may apply for a loan of up
to $500,000 for various predevelopment activities, including soil tests, engineering
fees, title searches and appraisals. For more information, go to Developers, then
Where do I register for Realtor CE Course Training?
Realtors interested in registering for CE Course Training can find class schedule, course cost and more
here. General information for Realtors may be found here.
How can I locate an affordable apartment in my area?
Those searching for rental housing can now use Florida Housing's new affordable
housing search engine, Floridahousingsearch.org. Begin your search for affordable
rental housing at www.floridahousingsearch.org.
What financing programs are available for affordable housing developers building
Florida Housing's multifamily programs provide financing assistance to developers
of affordable rental housing. Under Developers you will find details on programs that provide
low-interest gap financing, credit enhancement, financing for predevelopment activities,
tax credits, bond financing and other assistance.
Special Needs Housing
Do Florida Housing’s programs address the housing needs of farmworkers and
commercial fishing workers, homeless people, the elderly and other special needs
Florida Housing is statutorily required to reserve portions of its funds for the
development of affordable housing targeted to elders, farmworkers and commercial
fishing workers, and homeless individuals and families. Florida Housing provides
incentives in its Universal Application process for developers seeking these set-aside
funds. For more information, go here.
What programs are available to assist disabled homebuyers?
Florida Housing has set aside as part of its Homebuyer Loan Program for people
with disabilities. Use the Homebuyer Loan Programs Wizard to learn more.
How do I locate subsidized housing in my area?
Floridahousingsearch.org is a statewide, rental housing locator that provides detailed
information on affordable rental housing that has been financed by Florida Housing
Finance Corporation and/or counties choosing to participate in the service. The
housing locator service allows people to locate available housing that best fits
their individual and family needs. The service can be accessed online 24 hours a
day and is supported by a toll-free, bilingual call center Monday through Friday
from 9 a.m. to 6 p.m. EST. Individuals can easily search for housing using a wide
variety of search criteria with special mapping features and receive apartment listings
that provide a multitude of important information about each unit. In addition,
the site connects people to other housing resources through website links and provides
helpful tools for renters such as an affordability calculator, rental checklist,
and renter rights and responsibilities information.
To begin your search for affordable rental units available in your area, click here.
Additionally, the Florida Housing Data Clearninghouse provides key data and statistics on affordable
housing throughout the state of Florida. You can access this information at http://flhousingdata.shimberg.ufl.edu . In addition, the
U.S. Department of Housing and Urban Development (HUD) provides a list on its website
of both public and private subsidized housing. Visit them at www.hud.gov for more information.
What is "SHIP money" and how do I know if I qualify?
SHIP is an acronym for the State Housing Initiatives Partnership program. Florida
Housing administers this program by providing the state's 67 counties and 48 entitlement
cities with state dollars that are used for both homeownership and rental housing
programs on the local level. The units of local governments identify their affordable
housing priorities and disseminate those dollars throughout their communities. The
SHIP program is designed to help very low, low and moderate income households. To
find out if you qualify, contact either your city or county and
inquire about the SHIP program.
Is technical assistance available in conjunction with Florida Housing’s
Florida Housing provides training and other assistance in developing affordable
housing through its Catalyst Program. The Florida Housing Coalition provides this
training on behalf of Florida Housing. For a list of upcoming workshops, visit the
Coalition’s website at www.flhousing.org.
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