City of Jacksonville

Foreclosure Intervention Program

The Foreclosure Intervention Program helps City of Jacksonville residents stay in their home and stop the foreclosure process by providing:

  • Mortgage Counseling Services
  • Direct Mortgage Assistance
  • Loan Modification and Refinance Counseling
  • Budget and Financial Literacy

Homeowners who live in Duval County who are behind on their mortgage and are trying to prevent foreclosure can apply now for Foreclosure Intervention through City providers. The program is first-come, first-serve.

Upon Intake from an approved Foreclosure Intervention Provider, eligible applicants will receive assistance with budgeting, credit and financial literacy. Foreclosure Intervention Providers will determine if you are eligible for mortgage assistance or modification.

Eligible applicants can receive up to $12,000 to bring their mortgage current, complete a mortgage modification and/or to refinance their existing “Adjustable Rate” mortgage to a fixed-rate mortgage.

The City funds will be in the form of a deferred payment loan secured to the property for a period of five (5) years. Funds will be made on a first-come, first-serve basis.

Eligibility Requirements:

  • Make below 140% of Area Median Income
  • Must demonstrate/document hardship causing nonpayment of mortgage
    • Examples of hardship include: loss of employment, death in the family, disability (medical, temporary or permanent) that reduces income, or recent divorce or separation that reduces income
  • Must own your home and the home be your primary residence

2022-2023 Program Income Limits:

Household Size

140% of Area Median Income

1 Person


2 Persons


3 Persons


4 Persons


5 Persons


6 Persons


7 Persons


8 Persons


Foreclosure Intervention Providers:

Jacksonville Area Legal Aid, Inc.
126 West Adams Street
Jacksonville, Florida 32202
(904) 356-8371 ext. 389 (office)
Attention: Marissa Vetter

Jacksonville Urban League
903 W. Union Street
Jacksonville, Fl. 32204
(904) 723-4007 (office)
Attention: Suzanne Pickett

Family Foundations of Northeast Florida
40 E. Adams Street, Suite 120
Jacksonville, FL 32202
(904) 396-4846 (office) 
Attention:  Nigelle Kohn 


For more information, please contact one of the providers above.