Sengov Resource Library

Explore verified programs, benefits, and step-by-step guides designed to keep households connected to essential services across the nation.

Updated September 24, 2025 • 3 min read • 672 words

Countrywide Ohio Mortgage Modification and Relief

Countrywide has made a deal with Ohio to modify poorly written mortgage loans and to help people in need refinance. In addition, for those who have already lost their homes, Countrywide has also agreed to pay a one time payment/settlement t

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Updated September 24, 2025 • 4 min read • 782 words

Cincinnati foreclosure prevention

has created programs to help address the housing crisis in the region, and they coordinate free foreclosure prevention and counseling

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Updated September 26, 2025 • 4 min read • 882 words

Florida prescription assistance discount cards

can provide individuals with fairly significant savings on their prescription medications. There is no cost to sign up for the card, there are no restrictions and it is free to use

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Updated September 26, 2025 • 11 min read • 2,201 words

Find Florida community action programs to pay utility bills

Community action agencies across Florida, as noted below, offer a number of programs that help people pay their utility bills. The local non-profits have applications to government programs, such as LIHEAP, as well as their own emergency gr

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Updated September 24, 2025 • 7 min read • 1,404 words

Save money by not buying smartphone insurance

Smartphone insurance is available from manufacturers such as Apple or Samsung, wireless carriers, retailers, private companies and others. In general, paying for insurance is just not worth it

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Updated September 30, 2025 • 3 min read • 677 words

Florida Mortgage Foreclosure Defense Project

If you are struggling with your mortgage payments and are facing a foreclosure, find how to get free legal assistance from the Mortgage Foreclosure Defense Project as well as other free legal aid program in FL

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Updated September 26, 2025 • 6 min read • 1,105 words

Free legal Aid Society of Palm Beach County services

Civil matters can be addressed by Legal Aid Society of Palm Beach. The non-profit firm provides assistance to low income residents, including the disabled and families. Several different projects are administered in the region

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Updated October 3, 2025 • 5 min read • 1,012 words

Refinance mortgage using FHA loans

This program, which is part of the Hope for Homeowners program, provides mortgage refinancing assistance and was created to help at least 400,000 families from losing their homes, to help stabilize the housing market, and to also help

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Updated September 30, 2025 • 3 min read • 504 words

Miami Florida Mortgage Help Center | Fannie Mae

Fannie Mae and Miami-Dade County have joined together to help people who are behind or struggling with their monthly mortgage payments. They have opened a Mortgage Help Center that is located in the South Florida area

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Updated September 30, 2025 • 3 min read • 508 words

Chase home and foreclosure centers in Florida

Florida homeowners have another place to turn to for assistance. Chase is trying to slow down the number of foreclosures occurring in Florida with new centers that they have opened Palm Beach, Miami, Broward County, and Boynton Beach

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