• Foreclosure Help in Florida

    Are you behind in your mortgage payments and need help? The Florida Hardest Hit service may be able to help you. The program is funded by the U.S. Treasury. To qualify for assistance you must meet the following criteria:

    An eligible homeowner:

    • Must be a Florida resident;
    • Must occupy property as primary residence (the property cannot be vacant, abandoned or rented);
    • Borrower/co-borrower must be unemployed or underemployed through no fault of his/her own, which makes the first mortgage unaffordable;
    • Must have documented total household income at or below 140% of the area median income (AMI), adjusted for household size;***
    • Must have an active checking/savings account that can be debited by the ACH method of funds transfer;
    • May not have unencumbered assets of $5,000 or more, or three times the current monthly mortgage payment (whichever is greater);
    • Cannot have a bankruptcy that has not been discharged or dismissed; and
    • Cannot have been convicted of a mortgage-related felony in the last 10 years.
    The current mortgage:
    • Must be serviced by a participating lender, who agrees to accept payments on behalf of the homeowner;
    • Must not be more than 180 days past due at the time of application;
    • Must have been originated on or before January 1, 2009; and
    • Must have an existing principal balance of less than $400,000.
    Get more information from the Florida Hardest Hit Site here.

    ***Based on information from huduser.org, 140% of the estimated Average Median Income in 2010 for Pasco residents are listed below:

    1 Person Household $58,200.00
    2 Person Household $66,550.00
    3 Person Household $74,850.00
    4 Person Household $83,150.00
    5 Person Household $89,800.00
    6 Person Household $96,450.00
    7 Person Household $103,100.00
    8 Person Household $109,750.00

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  • Free SCORE Workshops



                                                                       
       

    Need Help for your Small Business?


    SCORE is a non-profit organization that provides free services dedicated to the success of small businesses nationwide. SCORE offers hands-on help to new or existing businesses including entrepreneur education, mentoring, and funding assistance.

    SCORE Counselors are volunteers made up of businessmen and women who have been successful entrepreneurs, small business owners, senior corporate executives, and experienced professionals. Their experience and expertise will offer hands-on help geared toward your situation and needs.

    SCORE Workshops available through September at Pasco County Libraries:

    Starting a Home Business 101:
    Tuesday, April 5th, 2011 from 5:30p.m. - 7:30 p.m.
    Centennial Park Branch Library
    ***

    Introduction to QuickBooks:
    Tuesday, April 12th, 2011 from 5:30 - 7:30 p.m.
    Land O'Lakes Library
    ***

    How to Successfully Obtain a Business Loan:
    Wed., April 13th, 2011 from 5:30 - 7:30 p.m.
    South Holiday Library
    ***
    Using the Internet in Your Business:
    Thursday, April 14th, 2011 from 5:30 - 7:30 p.m.
    Regency Park Library
    ***

    SCORE is sponsored by the US Small Business Association
    Source: Pasco County Public Library Cooperative: E-Government Services 

    ***

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