Mortgage Relief Program brought to you by Miami-Dade and Neighborhood Housing Services of South Florida

Mortgage Relief Program (MRP)

In partnership with Miami-Dade County’s Community Action and Human Services Department (CAHSD) and the Office of Housing Advocacy

General Description

The Mortgage Relief Program (MRP) will provide assistance to Miami-Dade County homeowners who are experiencing hardship as outlined below and struggling to pay their mortgage and/or utility bills. Throughout the duration of the program, applicants can receive up to $1,500 per household towards late mortgage payments, late homeowner association (HOA) fees, homeowners insurance and/or late utility assistance.

**Due to program demand we are seeing extended wait times. Thank you in advance for your patience. 

Applicant/Project Eligibility

All applicants must provide proof of income and documentation to ensure that the total household income does not exceed 140% Area Median Income (AMI) threshold (as shown in the chart below). Applicants must be a Miami-Dade County homeowner and requesting assistance for primary residence.


Required documents, to upload through the online portal, (that apply to your specific situation):

  • Identification
  • Proof of Income
  • Supporting documentation for type of assistance requested, as applicable
    • Delinquent/ Past Due Mortgage Statement, showing past due amount
    • Homeowners Insurance Statement
    • Homeowners Association Dues/ Fees Statement, showing past due amount
    • Utility Bill, Final Notice, showing past due amount
  • Proof of Ownership (property tax card)
  • MRP W-9 Form (vendor)- to be completed by the provider(s) for which assistance is being requested: mortgage servicer, homeowners association, homeowner’s insurance agency, and/ or utility provider

Income Limit by Number of Persons in Household

Income Level12345678

Starting May 23, NHSSF will have staff located at some community resource center locations. Interested participants needing assistance with their application can meet with an MRP staff member on a first-come, first-served basis; extended wait times may be expected.



Thursdays: 9 a.m.-12 p.m., 1 p.m.-5 p.m.

Reverend Dr. Edward T. Graham Community Resource Center
16405 NW 25th Avenue, Miami Gardens, FL 33054

Tuesdays: 9 a.m.-12 p.m., 1 p.m.-5 p.m.

Accion Community Resource Center
970 SW 1st Street, Miami, FL 33130
4th Floor

To avoid delays with application processing, please bring the following documents with you:

  • Identification
  • Proof of Income


For assistance with Mortgage Payments:

  • Delinquent Mortgage Statement, must show past due amount
  • W-9 (please request from your Mortgage Company)

For assistance with Homeowners Insurance:

  • Homeowners Insurance Annual Invoice
  • W-9 (please request from your Homeowners Insurance Agency)

Or (if Included in your monthly mortgage payment)

  • Mortgage Statement
  • W-9 (please request from your Mortgage Company)
  • Homeowners Insurance Annual Invoice

For assistance with Delinquent Homeowners Association Dues:

  • Delinquent Homeowners Association Statement, must show past due amount
  • W-9 (please request from your Homeowners Association)

For assistance with Past Due Utilities:

  • Utility Bill, must show past due amount
  • W-9 (please request from your Utility Provider, exception for Florida Power and Light)
  • Proof of Ownership, such as property tax card

How to Apply

Miami-Dade County residents will be able to apply online. For computer access, you may visit one of the 12 Community Resource Centers (CRCs) throughout Miami-Dade County, during regular business hours, Monday through Friday from 8:00 am until 5:00 pm.

Please be advised, Community Resource Center Staff, only provide computer access. They will not process applications or be able to provide status updates.

If you are having trouble registering on the portal, please be advised that we are aware of the issue, and it is being resolved. Please notify us if you experience this issue and provide your first and last name. We will respond with a username/ temporary password within 1 business day.

For more information, please email


Here's what to expect when you apply through the online portal:

There is no guarantee that Mortgage Relief Program funds will be awarded to you. Client access to funds is based on proper documentation, degree of client needs and the availability of program funds. In addition, your application will be reviewed, processed, and you will be contacted within five (5) business days to inform you of your application status.

Please allow at least, 5 business days for applications to be processed, Applicants who are seniors, disabled, families with children, and households with late mortgage of 3 to 12 months will be deemed a priority

All required documents must be completed and submitted to our office within 15 days. Failure to submit required documents within the timeframe will result in the application being denied. Applicants may reapply.

For more information, call:


About Community Action and Human Services Department (CAHSD)

CAHSD’s mission is to empower families, individuals, and communities through the provision of comprehensive social services. It is the largest provider of comprehensive social services in Miami-Dade County.

About Neighborhood Housing Services of South Florida (NHSSF)

Established in 1978, Neighborhood Housing Services of South Florida is a HUD certified Housing Counseling Agency, a Treasury certified Community Development Finance Institution (CDFI). NHSSF is committed to advance prosperity for all South Floridians through Lending, Administration of Financial Assistance Programs, Housing Development, Homebuyer Education & Counseling, and Community Transformation. NHSSF is also a chartered member of NeighborWorks® America.