Information for Seniors

Reverse Mortgage Program

The Florida HHF Elderly Mortgage Assistance Program (ELMORE) is designed to assist seniors who are in arrears on their reverse mortgage (also known as a HECM—home equity conversion mortgage) by providing up to $25,000 to pay past due and future property charges, so that they may avoid foreclosure and can stay in their homes.

Florida homeowners with a reverse mortgage may apply for the Florida ELMORE Program through the toll-free ELMORE Application and Information Line at 1-(800) 601-3534. A live HECM-certified ELMORE advisor will assist applicants with the process. The ELMORE website,, contains important information regarding the program, including detailed eligibility criteria and answers to frequently asked questions (FAQs).

Palm Beach County Property Appraisers Office

Seniors are you taking advantage of ALL of your property exemptions??? Most of you probably already have Homestead Exemption filed, but did you know there were exemptions for qualifying seniors 65 and over? Check out all the exemptions you may file for here

EHEAP Program – Palm Beach County

DOSS provides Emergency Home Energy Assistance for the Elderly Program (EHEAP) which assists low-income households who include at least one (1) individual age sixty (60) and older and are experiencing a home energy crisis.

Households are eligible for one (1) summer (cooling) crisis benefit during the period from April 1 to September 30 and one (1) winter (heating) benefit from October 1 to March 31 each year, not to exceed $400.


The consumer must be or have been residing in the EHEAP service area at the time the home energy cost was incurred in order to receive assistance.

  • The consumer must complete an application and return all required information and verification to DOSS while funds remain available.
  • The consumer must provide a final fuel bill for home energy.
  • The consumer must have a verifiable home energy crisis.
  • The consumer must not live in government subsidized housing projects where home heating and cooling are totally included in the rent.

Consumer automatically qualifies if he or she has a home energy emergency, and:

  • Receives Food Stamps, or
  • Applied for Weatherization Assistance Program and is currently eligible, or
  • Applied for Community Services Block Grant and is currently eligible.

Application Locations

810 Datura Street, Room 300
West Palm Beach, FL 33401
Tel: (561) 355-4746
Fax: (561) 355-3222

Mid County Senior Center
3680 Lake Worth Road
Lake Worth, FL 33461
Tel: (561) 357-7100
Fax: (561) 357-7114

North County Senior Center
5217 Northlake Blvd.
Palm Beach Gardens, FL 33418
Tel: (561) 694-5435
Fax: (561) 694-9611

West County Senior Center
2916 State Road #15
Belle Glade, FL 33430
Tel: (561) 996-4808
Fax: (561) 992-1011