Neighborhood Housing Services of South Florida

What You Need to Know to Get Homebuyer Assistance Funds in South Florida

Assistance Funds in South Florida

NHSSF works as a provider for Miami-Dade County Public Housing and Community Development (PHCD) to provide housing counseling services and submit applications for PHCD’s down payment and closing cost assistance program.

NHSSF works as a referral partner to Broward County’s Housing Department to provide housing counseling and assist in educating the public about their homebuyer assistance programs.

NHSSF is a provider for the Miami-Dade Economic Development Trust to provide homebuyer services for residents using their homebuyer assistance programs.

For many local cities and the state homebuyer programs, we collaborate to stay up to date on their programs and are a referral partner for homebuyer education and counseling.

NHSSF is a HUD-certified Housing Counseling Agency (HCA) and thus can provide to the public, at no charge, homebuyer education, training, and one-on-one counseling. We adhere to the National Industry Standards for Homeownership Education and Counseling: https://www.homeownershipstandards.org/Home/Home.aspx.

 

How do government-sponsored down payment and closing cost assistance, differ from what some lenders provide?

Most government or quasi-government agencies require additional information and documentation to provide aid in the form of a loan or grant.

 

The requested documentation is mandatory. The buyer will not receive assistance without the requested documentation. Government programs typically require the determination and calculation of the family’s total household income and total family composition.

To determine total household income, i.e., the income of all adults residing in the house, the government will require:

  1. A Maximum Income Affidavit form to be filled out and signed;
  2. A picture ID;
  3. A homebuyer certificate and
  4. Proof of income such as the last 2 pay stubs – last 2 tax returns – SSI Letter, etc.

To determine the family composition, which is defined as the number of adults and the number of dependents, the government will require IDs from all household members, school records or immunization records for children with no ID.

To meet the new requirements from the Miami-Dade Economic Advocacy Trust (MDEAT), the homebuyer workshop participant will be required to sign the following:

  • MDEAT-HAP Homebuyer workshop completion form.

NHSSF’s role is to assist low- and moderate-income homebuyers and first-time homebuyers in identifying and applying for all available down payment and closing cost assistance programs. We work closely with local government agencies at the city, county, and state level to coordinate support or to assist the buyer in applying.

For Miami-Dade PHCD, NHSSF is a designated partner. For other programs, we are a referral agency. In any case, our counselors can assist you in completing an application for support.

We work hard to make a complex process as easy as possible so that our customers can enjoy the dream and benefits of homeownership. The sooner buyers provide the complete documentation, the quicker we can process applications for assistance, and the sooner you can get those keys to your new home.

Please work with us and provide the requested documentation.

 

Fondos de asistencia en el sur de Florida

NHSSF trabaja como proveedor de Vivienda Pública y Desarrollo Comunitario para el Condado de Miami-Dade (PHCD por sus siglas en inglés) con el fin de proporcionar servicios de asesoramiento de vivienda y presentación de solicitudes para el programa de asistencia de pago inicial y costos de cierre del PHCD.

NHSSF trabaja como socio de referencia para el Departamento de Vivienda del Condado de Broward con el fin de proporcionar asesoramiento de vivienda y ayudar a educar al público sobre sus programas de asistencia disponibles para compradores de vivienda.

NHSSF es un proveedor del Fideicomiso de Desarrollo Económico de Miami-Dade (MDEAT por sus siglas en inglés) con el fin de proporcionar servicios de compra de vivienda a residentes que utilicen sus programas de asistencia para compradores de vivienda.

NHSSF colabora con muchas de las ciudades y de los programas estatales para compradores de vivienda, para mantenerse actualizados sobre dichos programas, así como somos un socio de referencia para la educación y el asesoramiento para compradores de vivienda.

NHSSF es una Agencia de Asesoría de Vivienda (HCA) certificada por HUD y, por lo tanto, puede proporcionar al público, sin cargo, educación, capacitación y asesoramiento personalizado para compradores de vivienda. Nos adherimos a los Estándares Nacionales de la Industria para la Educación y Asesoramiento sobre Propiedad de Vivienda: https://www.homeownershipstandards.org/Home/Home.aspx.

 

¿En qué se diferencia la asistencia para el pago inicial y los costos de cierre patrocinados por el gobierno de los programas que brindan algunos prestamistas?

La mayoría de las agencias gubernamentales o cuasi gubernamentales requieren información y documentación adicional para proporcionar ayuda en forma de préstamo o subvención. La documentación solicitada es obligatoria. Es decir, el comprador no recibirá asistencia sin la documentación solicitada. Los programas gubernamentales generalmente requieren la determinación y el cálculo del ingreso familiar total y la composición familiar total.

Para determinar el ingreso total del hogar, es decir, el ingreso de todos los adultos que residen en la casa, el gobierno requerirá

  1. Un formulario de Declaración Jurada de Ingreso Máximo que debe ser completado y firmado
  2. Una identificación con foto
  3. Un certificado de comprador de vivienda
  4. Comprobante de ingresos, como los últimos 2 recibos de sueldo, las últimas 2 declaraciones de impuestos, carta de SSI, etc.

Para determinar la composición familiar, que se define como la cantidad de adultos y la cantidad de dependientes, el gobierno requerirá identificaciones de todos los miembros del hogar, registros escolares o registros de vacunación para niños sin identificación.

Para cumplir con los nuevos requisitos del Fideicomiso de Defensa Económica de Miami-Dade (MDEAT), el participante en el taller para compradores de vivienda deberá firmar lo siguiente:• Formulario de finalización del taller para compradores de vivienda MDEAT-HAP.

La función de NHSSF es ayudar a los compradores de vivienda de ingreso bajos y moderados y a los compradores de vivienda primerizos a identificar y solicitar todos los programas de asistencia para el pago inicial y los costos de cierre disponibles. Trabajamos en estrecha colaboración con las agencias del gobierno local a nivel de la ciudad, el condado y el estado para coordinar el apoyo o ayudar al comprador en la solicitud.

Para el Miami-Dade PHCD, NHSSF es un socio designado. Para otros programas, somos una agencia de referencia. En cualquier caso, nuestros asesores pueden ayudarlo a completar una solicitud de apoyo.

Trabajamos arduamente para hacer que un proceso complejo sea lo más fácil posible y así nuestros clientes puedan disfrutar del sueño y los beneficios poseer una vivienda. Cuanto antes los compradores proporcionen la documentación completa, más rápido podremos procesar las solicitudes de asistencia y antes podrán obtener las llaves de su nuevo hogar.

Trabaje con nosotros y proporcione la documentación solicitada.


A woman takes an online class with Neighborhood Housing Services of South Florida

Our classes have moved online

Neighborhood Housing Services of South Florida is still providing all our free homebuyer education classes, but due to the COVID-19 pandemic they are now being presented online.

May Classes

May 4 | 1-2 PM
“Your Money Matters: Tips to Conquer the Crisis” Workshop 5/4/20 (Spanish)
https://nhssf.org/event/your-money-matters-tips-to-conquer-the-crisis-workshop-5-4-20-spanish/

May 4 | 3-4 PM
“Your Money Matters: Tips to Conquer the Crisis” Workshop 5/4/20 (Creole)
https://nhssf.org/event/your-money-matters-tips-to-conquer-the-crisis-workshop-5-4-20-creole/

May 4 | 4-5 PM
“Your Money Matters: Tips to Conquer the Crisis” Workshop 5/4/20 (English)
https://nhssf.org/event/your-money-matters-tips-to-conquer-the-crisis-workshop-5-4-20-english/

May 5 | 1-2 PM
“Turn Your Dream of Homeownership Into Reality” Workshop 5/5/20 (Spanish)
https://nhssf.org/event/turn-your-dream-of-homeownership-into-reality-workshop-spanish/

May 5 | 3-4 PM
“Turn Your Dream of Homeownership Into Reality” Workshop 5/5/20 (Creole)
https://nhssf.org/event/turn-your-dream-of-homeownership-into-reality-workshop-5-5-20-creole/

May 5 | 5-6 PM
“Turn Your Dream of Homeownership Into Reality” Workshop 5/5/20 (Creole)
https://nhssf.org/event/turn-your-dream-of-homeownership-into-reality-workshop-5-5-20-english/

May 6| 10 AM-12 PM
“Financial Training to Thrive and Prosper” workshop 5/6/20 (English)
https://nhssf.org/event/financial-training-to-thrive-and-prosper-workshop-5-6-20-english/

May 6 | 2-4 PM
“Financial Training to Thrive and Prosper” workshop 5/6/20 (Spanish)
https://nhssf.org/event/financial-training-to-thrive-and-prosper-workshop-5-6-20-spanish/

May 6 | 4-6 PM
“Financial Training to Thrive and Prosper” workshop 5/6/20 (Creole)
https://nhssf.org/event/financial-training-to-thrive-and-prosper-workshop-5-6-20-creole/

May 8 | 1-3 PM
“Homeowners: Keep the Dream of Homeownership” Workshop 5/8/20 (Spanish)
https://nhssf.org/event/homeowners-keep-the-dream-of-homeownership-workshop-5-8-20-spanish/

May 8 | 3-5 PM
“Homeowners: Keep the Dream of Homeownership” Workshop 5/8/20 (English)
https://nhssf.org/event/homeowners-keep-the-dream-of-homeownership-workshop-5-8-20-english/

May 14 & May 15 | 1-5 PM (2-Day Event)
HUD-Approved Homebuyer Workshop (2-part workshop) 5/14 and 5/15 (Spanish)
https://nhssf.org/event/hud-approved-homebuyer-workshop-2-part-workshop-5-14-and-5-15-spanish/

May 15 | 10 AM-12 PM
“Financial Training to Thrive and Prosper” Workshop 5/15/20 (Spanish)
https://nhssf.org/event/financial-training-to-thrive-and-prosper-workshop-5-15-20-spanish/

May 16 | 9 AM-5 PM
HUD-Approved Homebuyer Workshop 5/16/20 (English)
https://nhssf.org/event/hud-approved-homebuyer-workshop-5-16-20-english/

May 17 | 1-8 PM
HUD-Approved Homebuyer Workshop 5/17/20 (English)
https://nhssf.org/event/hud-approved-homebuyer-workshop-5-17-20-english/

May 18 | 1-2 PM
“Your Money Matters: Tips to Conquer the Crisis” Workshop 5/18/20 (Spanish)
https://nhssf.org/event/your-money-matters-tips-to-conquer-the-crisis-workshop-5-18-20-spanish/

May 18 | 3-4 PM
“Your Money Matters: Tips to Conquer the Crisis” Workshop 5/18/20 (Creole)
https://nhssf.org/event/your-money-matters-tips-to-conquer-the-crisis-workshop-5-18-20-creole/

May 18 | 5-6 PM
“Your Money Matters: Tips to Conquer the Crisis” Workshop 5/18/20 (English)
https://nhssf.org/event/your-money-matters-tips-to-conquer-the-crisis-workshop-5-18-20-english/

May 19 | 1-2 PM
“Turn Your Dream of Homeownership Into Reality” Workshop 5/19/20 (Spanish)
https://nhssf.org/event/turn-your-dream-of-homeownership-into-reality-workshop-5-19-20-spanish/

May 19 | 3-4 PM
“Turn Your Dream of Homeownership Into Reality” Workshop 5/19/20 (Creole)
https://nhssf.org/event/turn-your-dream-of-homeownership-into-reality-workshop-5-19-20-creole/

May 19 | 5-6 PM
“Turn Your Dream of Homeownership Into Reality” Workshop 5/19/20 (English)
https://nhssf.org/event/turn-your-dream-of-homeownership-into-reality-workshop-5-19-20-english/

May 20 | 10 AM-12 PM
“Renters, Keep Your Roof Over Your Head” Workshop 5/20/20 (Spanish)
https://nhssf.org/event/renters-keep-your-roof-over-your-head-workshop-5-20-20-spanish/

May 20 | 12-2 PM
“Renters, Keep Your Roof Over Your Head” Workshop 5/20/20 (English)
https://nhssf.org/event/renters-keep-your-roof-over-your-head-workshop-5-20-20-english/

May 20 | 3-5 PM
“Renters, Keep Your Roof Over Your Head” Workshop 5/20/20 (Creole)
https://nhssf.org/event/renters-keep-your-roof-over-your-head-workshop-5-20-20-creole/

May 21 | 10 AM-2 PM
“Financial Training to Thrive and Prosper” Workshop 5/21/20 (Creole)
https://nhssf.org/event/financial-training-to-thrive-and-prosper-workshop-5-21-20-creole/

May 21 & May 22 | 1-5 PM (2-Day Event)
HUD-Approved Homebuyer Workshop (2-part workshop) 5/21 and 5/22 (English)
https://nhssf.org/event/hud-approved-homebuyer-workshop-2-part-workshop-5-21-and-5-22-english/

May 22 | 10 AM-12 PM
“Financial Training to Thrive and Prosper” Workshop 5/22/20 (English)
https://nhssf.org/event/financial-training-to-thrive-and-prosper-workshop-5-22-20-english/

May 22 | 1-3 PM
“Homeowners, Keep the Dream of Homeownership” Workshop 5/22/20 (Spanish) https://nhssf.org/event/homeowners-keep-the-dream-of-homeownership-workshop-5-22-20-spanish/

May 22 | 4-6 PM
“Homeowners, Keep the Dream of Homeownership” Workshop 5/22/20 (English) https://nhssf.org/event/homeowners-keep-the-dream-of-homeownership-workshop-5-22-20-english/

 

We look forward to meeting you online!


photo of Kim Henderson

A Message from the NHSSF President

I can remember being very nervous many many years ago, when I had just one year left on my relocation package from Chicago to Washington DC to use the $3000 closing cost benefit and I simply wasn’t ready to buy. I had not saved money for down payment or even identified a good neighborhood. I didn’t want to lose the $3000 closing cost benefit which was a lot of money back then. As a young professional living in DC, I had maybe one friend who already owned a home. Even after living in Chicago, I was still dumbfounded by the idea that my first place would cost at least 3 times what my parents paid for their home. And it would not be as nice or as big as the homes in my hometown of Milwaukee. I was not working in affordable housing or non-profits at the time and I had big aspirations for a large home, in a great neighborhood, with good schools.

 

Fast forward decades later, my vocation is to enable this dream of homeownership for thousands of people as a community development practitioner.  Personally and professionally, it has been rewarding to see people push back their fears to start and complete their journey of homeownership.

 

I was afraid back then to buy my first home. I remember reading articles about discrimination against Blacks and women. I read stories of discriminatory practices such as redlining or African Americans being charged higher interest rates. I didn’t know if I could trust the realtors or lenders that I met. So I did some research. I learned about down payment assistance and strolled into a nonprofit to inquire if I was eligible. This was my first exposure to housing counseling. Taking advantage of the opportunity to learn the home buying process and get some hand holding took the sting out of all that negative information. Owning a home has not only been financially beneficial, but it has allowed me to have an asset I can pass on and most importantly, it has been a place to build great memories with my friends and family.

Owning my home allowed me to tinker with my interest in interior design and to create a place of peace and refuge.

 

Still seeking peace, one of my goals this year was to strengthen my spiritual walk. I made it a point to get to church, bought myself a cute little Bible carrier from BoomTown, and vowed I would actually do some bible reading this year. As I sat in church flipping through the pages, I saw a donation envelope from a church I attended so long ago I am embarrassed to say the number of years. Despite its age, my Bible looked brand new from disuse. I realized I had taken for granted a millennium of wisdom that was just sitting in my trunk or house all these many years.

 

Permit me to make a modest analogy about wisdom. Neighborhood Housing Services of South Florida has been serving South Florida for over 40 years. I calculate the current team has over 120 years of housing counseling and lending experience just waiting for you to call upon us. Ultimately, it is up to you to take advantage of the wealth of resources we have to help you stride confidently into homeownership…whether you are a first time homebuyer or back in the market, we can help. My team and I are working hard to keep our educational resource and one on one counseling free of charge despite the strong pressure we are under to begin charging for these services.

 

I am holding steadfast because I believe in the power of information. Information levels the playing field and empowers us to accomplish important objectives. Our services are consumer friendly with a focus on consumer choice. NHSSF is a lender AND we work with other responsible lending partners to bring a wide range of possibilities to our customers. This is YOUR year to make that move toward homeownership. And you won’t be taking that walk alone. Call us, walk in, or check out our website…we are expanding our online services so you can skip the trip but not the journey.

 

Happy New Year. And God Bless. Kim