Are you struggling with your mortgage payments? Have you been turned down for a mortgage loan modification? You're not alone. Recent polling shows that 22 percent of homeowners in the U.S. have difficulties paying their mortgage payments on time.

Miami-Dade Commissioner Jean Monestime has partnered with Vision to Victory Human Services Corporation (VVHSC) to provide much needed mortgage assistance at the upcoming Homeownership Community Event, on Saturday, June 16, at the VVHSC offices in Miami, from 9 a.m. to 2 p.m.

This free event allows homeowners to meet one-on-one with their mortgage company and a certified (Department of) Housing and Urban Development (HUD) housing counselor to find additional funding options available. Based on their financial information, homeowner may also arrange a special home loan modification to reduce month payments.

To access eligibility for loan modification, homeowners must bring: two forms of identification, (including one with a picture); a request for mortgage assistance form; an IRS form 4506T-EZ; a Dodd-Frank Certification; copies of two months of current bank statement and all bills, copies of 1040 Federal Tax Returns for 2010 and 2011, with W2's; copy of quarterly or year-to-date profit and loss statement if self-employed; copy of hardship letter explaining your situation; copy of mortgage statement, default notice or summons; an unemployment letter, if applicable; and copies of proof of income.

For more information and document assistance, call 305-691-3464.