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  • Wednesday, March 09, 2022 5:00 PM | Anonymous


    A husband & wife and twins age 14, who own a business in downtown St. Augustine, had loss of income during COVID-19. After the mortgage forbearance on their home ended, they were unable to reinstate the $41,000 + balance. The couple were referred to St. Johns Housing Partnership by the Dept. of Housing and Urban Development (HUD). We were able to get the interest rate reduced from 4.125% to 2.875% and the monthly payment reduced by $391.00. Success! Home saved and family made whole again.

  • Wednesday, March 09, 2022 4:59 PM | Anonymous

    Single Mother

    Our client was running about 15 days behind on rent and she had to reduce hours at work due to pregnancy complications. Her landlord told her about the Emergency Rental Assistance Program (ERAP) funds available with the City of Jacksonville. She applied that day and the landlord also responded to the ERAP funds. She was approved and the landlord received the money about 3 weeks later and caught her up and paid 3 months ahead due to her pregnancy and complete bed rest. Landlord gave the client a 3-day notice the day after she applied for ERAP funds. One of our Jacksonville Legal Aid attorneys assisted the client with a letter to the landlord and the threat of eviction stopped immediately. The client and baby are doing great and she is back to work and can pay her rent in a timely manner.

  • Wednesday, March 09, 2022 4:56 PM | Anonymous

    Single Mother of two

    In August of 2021 a single mother of two young daughters approached R.E.A.C.H. and stated the unit she was renting for 5 years was being sold.  She was desperate as a she had searched everywhere for a rental match of $1,250 and found none.  R.E.A.C.H. called the Canadian Landlord and discovered the purchase price to be $114,900.   At that time, with housing counseling, the young woman decided to try to purchase. R.E.A.C.H. assisted with the for sale by owner contract (working closely with the landlord and the tenant) and Guardian Financial Network ( a nonprofit lender)  began working with the buyer.  Packages were submitted to Broward County for assistance and the buyer was given a $40,000 subsidy. As time passed, the condo was discovered to have a lien that needed to be cleared.  This was time consuming and although the buyer was quickly approved, the condo was not. Finally, after clearing the lien, Broward County had only $20,000 to assist the buyer.  Guardian closed the loan at 2.875% rate, with a $20,000 grant from Broward County.  A rental payment of $1,250 turned into a purchase payment of $986 (PITI). Stability was created for a young single mother and her two children. She was profoundly grateful for the assistance from counseling to contract assistance, Grants and loan. 

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