Veteran Program

Veterans Program

Please download, complete and send the application form to HANDS, via email, fax or mail to be considered for this program.


The federal government has allocated funding to help pay the mortgages of qualified homeowners who are unemployed or underemployed through no fault of their own.

Homeowners who qualify for financial assistance may receive up to 12 months of monthly mortgage payments and/or funds to pay past due mortgage payments to bring the mortgage current; these funds are paid directly to the loan servicer/lender.

Mortgage Default

Can't afford your home?
Missed a few mortgage payments?
Afraid you will lose your home?

HANDS can help with FREE Mortgage Default Counseling. A HUD-Certified Counselor will help negotiate with your lender for a payment you can afford.

Need Housing Counseling?

HANDS is here to assist you in improving your credit and maintaining a budget to help you qualify for an affordable home loan. HANDS provides comprehensive, private housing counseling sessions in Orlando and the mass homeownership education seminars necessary to receive down payment assistance (like NSP and SHIP) from Central Florida cities and counties. We also help families avoid mortgage foreclosure and predatory loans. Foreclosure prevention counseling is always FREE regardless of household income.

Our agency also operates an Affordable Housing Resource Center through this website, providing information and counseling session scheduling, all mostly free of cost, to very-low, low and moderate income persons in search of affordable rentals and homes. The organization serves over 4,000 Central Florida residents per year, mainly residents of Orange, Osceola, Seminole and Lake Counties.

HANDS unfortunately does not provide shelter information for families with monthly income less than $800.  

>>> Click Here for a List of Shelters
>>> Click Here for One Time Emergency Financial Assistance

For food, clothing, and other resources contact _______ or dial (407) 839-HELP (4357).

Affiliate of:
HomeFree USA
Our Funders
We would like to extend our sincere thanks to our funders Wells Fargo and The Dr. P. Phillips Foundation. Their generous funding made this web site possible.
Bank of America Foundation
Grants $20,000 to HANDS for 2012/2013 free private Pre-Purchase and Mortgage Default counseling.
Our Web Team
We would like to recognize Blink Tech for helping us build our current web site and giving clients web access to HANDS’ services.
Wells Fargo Foundation on behalf of Wells Fargo Home Mortgage
donates $15,500 to HANDS for 2012 to provide One-on-One Housing Counseling services to Central Florida residents.
JP Morgan Chase
Grants $40,000 to HANDS for 2012 first-time Homebuyer Education and private Pre-Purchase and Mortgage Default counseling.
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