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Affordable Housing Office

1104 Martin L. King, Jr. Avenue
Lakeland, FL  33805 (Map It!)
Ph: (863) 834-3360
Fx: (863) 834-3369
email: Affordable Housing

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    Foreclosure Prevention

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    Fair Housing

    Housing Rehabilitation Available

    Completed Applications Will Be Accepted
    Starting October 5th

    The Neighborhood Services Division is pleased to announce that applications for Rehabilitation of Owner-Occupied, Single-Family Homes will be accepted beginning Monday, October 5, 2015.  Applicants must own and have lived in their home for at least one year prior to applying for rehabilitation assistance. Mobile homes and rental properties are not eligible for rehabilitation assistance.  Homes in historic districts are subject to additional program restrictions.  Applications will not be accepted before October 5th, and must be mailed or delivered to:

    Neighborhood Services Division
    Housing Section

    1104 Martin L. King, Jr. Avenue
    Lakeland, Florida  33805

    Application forms are now available at the following locations:

    Applications will be processed in the order in which they are received.

    Sources of funding for this program may include Community Development Block Grant (CDBG), HOME Investment Partnerships Program (HOME), and the State Housing Initiatives Partnerships Program (SHIP). For more information, please call the Neighborhood Services Division at (863) 834-3360.

    Help for Homeowners

    Owner-Occupied Rehabilitation

    The City of Lakeland provides housing rehabilitation services to income qualified homeowners.  Due to tremendous demand, the Rehabilitation Program is administered through an applicant list which is opened as funds become available.  For more information, or to check the status of the list, please contact the Affordable Housing Office at (863) 834-3360.

    Foreclosure Prevention


    City of Lakeland Partners with
    CDC of Tampa, Inc. to Offer
    FREE Foreclosure Prevention Workshops

    The City of Lakeland and CDC of Tampa, Inc. will be offering
    FREE Foreclosure Prevention Workshops to assist homeowners in need.  During these workshops, to be held at the Coleman-Bush building, attendees will learn about their options and programs available to assist homeowners facing default and foreclosure, including mortgage modification, Hardest Hit Fund, Making Home Affordable, etc.  Preregistration is required by contacting the CDC of Tampa, Inc.
    at (813) 231-4362.  See workshop flyer.


    Homeowners who were previously assisted through the City's home purchase assistance program, and who are attempting to refinance their first mortgage, first need the City of Lakeland to agree to subordinate its deferred second mortgage.

    Though it is the City's general policy NOT to subordinate its Affordable Housing Mortgages, a waiver from the policy can be requested for...

    • Emergency need arising from a natural disaster;
    • Emergency housing repairs;
    • Refinancing to lower the interest rate of the first mortgage if closing costs and/or fees are recovered within four (4) years;
    • Refinancing for educational purposes; or
    • Refinancing for medical emergencies.

    Subordination requests will not be considered if...

    • The interest rate on the new first mortgage exceeds the interest rate of the existing first mortgage;
    • The cumulative loan-to-value ratio (CLTV) exceeds 100%;
    • The applicant's front-end debt-to-income ratio exceeds 33%; or
    • The applicant's back-end debt-to-income ratio exceeds 40%.

    View the City's full Subordination Policy, or for more information, please contact the Affordable Housing Office at (863) 834-3360 or by email.

    Important News

    Florida Housing Launches Statewide
    Hardest-Hit Fund Program

    Tallahassee - During a press conference on Tuesday, April 5, Florida Housing Finance Corporation announced that unemployed or underemployed homeowners in Florida, who are having difficulty paying their mortgages, will be able to apply for financial assistance from the Florida Hardest-Hit Fund (HHF) beginning at 9:00 a.m. on Monday, April 18.

    "We're no in the position to offer this financial assistance statewide to the people out there who are desperately struggling to stay in their homes," said Steve Auger, executive director of Florida Housing.  "For the homeowners who qualify, this temporary relief from their mortgage payments will provide some 'breathing room' so they can focus on becoming re-employed at a level that will allow them to resume making payments on their own."

    Read the full text of the press release.

    Homeowners in every Florida county may apply for financial assistance from the fund by using the official HHF website.  The site contains all the information users will need to begin the application process, including a program fact sheet, answers to frequently asked questions and links to resources that may be helpful to those experiencing economic challenges.

    Application for the Florida Hardest-Hit Fund program is FREE-OF-CHARGE, and applicants will not be asked to pay for any eligibility determination services in conjunction with applying for the program.