Polk County Lenders

Residency Requirements for Polk County: Buyers must have established residency in Polk County over the last 24 months.

HANDS of Central Florida, Inc. provides financial assistance to very low, low or moderate income households purchasing homes to be occupied as their primary residence. We administer State Housing Initiatives Partnership (SHIP) program funds for Polk County and the City of Lakeland. (HANDS no longer administers downpayment assistance for the City of Winter Haven.) SHIP funds provide down payment and closing cost assistance to eligible homebuyers who have secured first mortgage financing. HANDS’ programs are HUD acceptable to provide secondary financing for FHA insured and Conventional mortgage loans. GAP program down payment assistance varies depending on the income level of the buyer and the local government assistance program guidelines. Down payment and closing cost assistance is secured by a soft second mortgage.

Down payment assistance availability:

Please review the GAP MANUAL for complete program details. Registration form can be found below (Downloads).


If you are a lender and require additional information, please contact:
Leisha Thompson
863-682-1025 ext 2