Reminder - HLP Second Mortgage Option Changes

Effective July 21st

FL Housing is pleased to announce a change to our Homebuyer Loan Program (HLP) second mortgage option.

Effective today, Monday, July 21, 2025, the HLP has increased to $12,500 and offers a 30-year term. The rate on this amortizing loan is 3%.

 The monthly payment has decreased to $52.70 a month.

The repayment terms remain the same:

Repayable, in full, in the event borrower refinances, sells the property, transfers deed, pays off the first or no longer occupies the property as their primary.

Charles White

Homebuyer Loan Program Director

Charles.white@floridahousing.org

Sandy Smith

Homebuyer Loan Program Administrator

Sandy.smith@floridahousing.org

Homeownership Loan Program Team 

dpa@floridahousing.org