Dear Florida Homeowner,

In response to the nation's economic challenges and home foreclosure crisis, the City of Jacksonville, in partnership with WJCT Public Broadcasting, presents a unique and in-depth multimedia community project to help local homeowners. Facing the Mortgage Crisis will engage a network of trusted community partners to connect citizens with available resources and help them Stay Home!

This website is designed as a resource to help connect you with the appropriate agencies for assistance. The City of Jacksonville does not directly provide counseling or legal assistance but will help put you in touch with someone who can help with your mortgage situation.

If you or someone you know is having trouble with your mortgage and are worried about losing your home, DO NOT PANIC as there are options out there to help you! First, do not sign anything that you do not understand. Second, help can be available to you and there maybe a solution to your mortgage situation – your home and family's financial future are both at stake.

A network of counselors and legal representatives are available to help homeowners contact their lenders and service providers to work out solutions. Falling behind on a mortgage or confronting an interest rate reset does not mean you will lose your home!

For many homeowners, the idea of foreclosure is so devastating that they ignore the situation and wait until it is too late to do anything. DO NOT WAIT!

Take charge of your circumstances; look through the information on this website to learn of the options you have for saving your home.


What is Foreclosure?

Foreclosure: A legal process in which the owner of the mortgage attempts to obtain a judgment requiring the sale of the mortgaged property to pay the outstanding balance of the loan plus all of the expenses relating to loan collection. Foreclosure laws are based on the statutes of each state.

What is Counseling?*

Counseling: Counseling can be used strictly for educational purposes but, sometimes counselors can also help with Loss Mitigation discussions between you and your lender. However, a counselor should not be counted upon to provide legal representation in court proceedings.

Credit Counseling: education focusing on how to improve bad credit and how to avoid having more debt than can be repaid.

Loss Mitigation: a process to avoid foreclosure; the lender tries to help a borrower save his or her home who has been unable to make loan payments and is in danger of defaulting on his or her loan. Loss mitigation options include loan forbearance, payment holidays, restructuring of the loan to decrease the principal and or interest rate, forgiveness of delinquent amounts and short sales.

Mortgage Modification: a loss mitigation option that allows a borrower and mortgage holder to agree to change the terms of the loan by reducing the principal of the loan, reducing the interest rate, forgiving missed payments, extending the term of the loan or other options to reduce the monthly payments and/or avoid foreclosure.

Special Forbearance: a loss mitigation option in which the lender arranges a revised repayment plan for the borrower that may include a temporary reduction or suspension of monthly loan payments.

What is Legal Assistance?*

Legal Assistance: Legal assistance can provide any of the services noted above (under counseling), in addition to representing you in court. Legal assistance is needed before signing any documents and/or before filing foreclosure, etc.

*As you can see, counseling and legal assistance can overlap. Legal assistance can include all services that encompass counseling but, counseling cannot provide ALL services that are included in legal assistance.

What Counties Can Be Affected By and Included in the Information Contained Within this Website?

Baker, Clay, Duval, Nassau, St. Johns


Stay Home Partners

Family foundations logo Jacksonville Area Legal Aid logo Jacksonville Florida Chapter Association of Housing counselors and Agencies Jacksonville Urban League logo
Three Rivers Legal Services Inc. logo United Way of Northeast Florida logo United Way 2-1-1 logo

Wealth Watchers logo

St. Joseph Homeownership