Consumer Advocate: This mortgage help program is different

"Florida homeowners struggling to fight off foreclosure can get help from a new $1 billion program geared toward aiding people who lost jobs or saw their incomes fall. The help-is-here message might be met with justifiable skepticism considering the mixed record of federal programs seeking to stem the tide of foreclosures. But unlike programs that required homeowners to apply through their mortgage lenders, Florida Hardest-Hit is overseen by the nonprofit Florida Housing Finance Corp."