North Miami provides emergency mortgage assistance to city residents

The City of North Miami has launched a Emergency Mortgage Assistance Program for owners financially impacted by the COVID-19 pandemic.

City residents can apply for up to $5,000 in mortgage assistance through the Far North Miami Chamber of Commerce and the Florida Haitian-American Chamber of Commerce (HACCOF).

To be eligible, homeowners must have been current on their mortgage in March 2020, when the pandemic was first declared, and not more than four months in arrears. If eligible, a homeowner can receive up to $5,000, or no more than six monthly payments.

The city provided approximately $77,096 to HACCOF to be disbursed while funds were exhausted. As of April 16, two residents had filed applications through HACCOF. Another $77,096 is available from the Far North Miami Chamber of Commerce.

“When I saw the program, I felt very relieved. I have a lot of hope,” said Moises Chevez, who has been unemployed due to COVID since March 2020. “The experience at HACCOF went very well, they were very friendly.

After completing the 25-page application, it can take about 15 days for a successful applicant to receive financial assistance, said Alberte Bazile, director of housing and social services for North Miami.

Lumana Joseph, president of HACCOF, said she was thrilled to help North Miami residents.

“This program is extremely important, especially in the North Miami area where you have a lot of low-income people who have lost their jobs during the pandemic,” Joseph said. “It hurts you deeply, you want to be able to help. To be able to have money to help local residents is amazing.

A previous round of emergency mortgage relief provided in August 2020 helped 24 homeowners, Bazile said.

The city has also launched a mental health help program, provides two hot meals Monday through Friday to anyone in need and has a pantry to distribute the essentials.