H.E.L.P. Community Development Corporation

What H.E.L.P. Community Development Corporation does

H.E.L.P. Community Development Corporation (H.E.L.P. CDC, also Doing Business As 'Helping Everyone Live Prosperously') is a HUD-approved, faith-based 501(c)(3) nonprofit housing counseling agency headquartered in Eatonville, Florida. Founded in 2005 by Life Center Church leaders, the organization delivers pre-purchase homebuyer education, foreclosure intervention, reverse mortgage counseling, and financial literacy services to low-to-moderate income individuals and families across Central Florida. Its service portfolio spans the full housing lifecycle — renting (Renters Rock!), credit and money management (Commit to Six!, based on FDIC Money Smart), first-time home purchase (Homebuyers Training Club and monthly English/Spanish seminars), foreclosure prevention, HUD-mandated reverse mortgage counseling for seniors aged 62+, post-purchase home management, and inheritance-and-probate support for Eatonville property heirs via the Linking Legacies Program.

The technology stack is conventional productivity and document SaaS: RightSignature for e-applications and disclosures, Citrix ShareFile for secure document delivery, Zoom for remote counseling sessions, and Eventbrite for seminar registration. Online course delivery is handled through partner platforms e-Home America and Fannie Mae's Framework. There is no proprietary software product; the core 'product' is HUD-certified counseling and education delivered by a multi-disciplinary team that includes HUD-certified housing counselors, a reverse mortgage advisor, a Compliance/Program Manager, a Grants and Development Manager, a Strategic Housing & Program Development Manager, an Operations & Administrative Implementation Manager, and a Housing Development Consultant. The organization is led by Executive Director Nicole Oriol, MBA.

The business model is grant-funded. Revenue streams are dominated by HUD Comprehensive Housing Counseling Services and the Minority Serving Institutions Funding Initiative, supplemented by sustaining grants from Orange County and Seminole County governments for monthly seminars, plus corporate and foundation sponsorships from Wells Fargo, Bank of America (Connect to Own), Federal Home Loan Bank of Atlanta, BankUnited, and the Florida Community Loan Fund for affordable housing development. Client-facing services are free under a sliding-fee schedule, with the only fee-bearing line being credit report soft pulls ($25.68 individual, $50.87 couple). Outreach and acquisition are community-led through church networks, county and bank referral channels, and bilingual community seminars. Homebuyer education completion certificates are accepted across 10 Florida counties — Orange, Seminole, Osceola, Volusia, Lake, Polk, Hillsborough, Dade, Duval, and Brevard — supporting down payment assistance eligibility on a multi-county basis.

Name

H.E.L.P. Community Development Corporation

Legal name

H.E.L.P. Community Development Corporation

Website

https://helpcdc.org

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

H.E.L.P. Community Development Corporation is a HUD-approved, faith-based nonprofit housing counseling agency in Eatonville, Florida, providing free homebuyer education, foreclosure prevention, reverse mortgage counseling, and financial literacy programs to low-to-moderate income individuals across Central Florida.

Ownership category

akta.pro rank

Product category

Housing Counseling Services

NAICS

Other Individual and Family Services (624190), Other Community Housing Services (624229)

SIC

Services-Social Services (8300), Land Subdividers & Developers (No Cemeteries) (6552)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Reverse Mortgage Counseling & Consumer Education (HUD-Approved) (FSALAIAG), Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA), Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE), Community Development & Neighborhood Revitalization Housing Programs (FSALAKAO)

Keywords

• Housing counseling services
• Foreclosure prevention assistance
• Homebuyer education programs
• Financial literacy training
• Community development services

Headquarters

HQ city

Eatonville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Government Grants and Housing Counseling Funding: As a HUD-approved housing counseling agency, H.E.L.P. CDC receives funding from the U.S. Department of Housing and Urban Development (HUD) Comprehensive Housing Counseling Services and Minority Serving Institutions Funding Initiative. Additional government support from Orange County and Seminole County Government Housing and Community Development Departments for homebuyers education seminars.
2. Corporate and Foundation Sponsorships: Funding support from corporate sponsors including Wells Fargo Bank and Foundation (Heirs Property Protection Programs), Federal Home Loan Bank of Atlanta, BankUnited, and Bank of America (Connect to Own Program). Florida Community Loan Fund provides funding for affordable housing development.
3. Donations: Organization accepts donations from satisfied clients and community supporters. One testimonial mentions the client plans to make a donation as the organization is a non-profit.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

H.E.L.P. Community Development Corporation is a HUD-approved, faith-based housing counseling agency that delivers free pre-purchase homebuyer education, one-on-one homebuyer coaching, foreclosure intervention and mortgage modification support, HUD-required reverse mortgage counseling for seniors, and bilingual (English/Spanish) financial literacy training across Central Florida. Its portfolio also includes renter financial empowerment, post-purchase home management coaching, neighborhood revitalization, and a Linking Legacies program for individuals inheriting property in the Eatonville area.

Product overview

H.E.L.P. Community Development Corporation is a HUD-approved, faith-based housing counseling agency offering a portfolio of community development programs organized around financial education and homeownership support. Its core product portfolio includes: the Renters Rock! Program (rental market and financial stability guidance), the Commit to Six! Financial Management Program (FDIC Money Smart-based budgeting and credit curriculum), the Homebuyers Training Club (one-on-one coaching for first-time buyers), and the Homebuyers Education Seminars (monthly English/Spanish workshops required for down payment assistance eligibility). These are supplemented by the Foreclosure Prevention Fight Club (mortgage delinquency intervention), Reverse Mortgage Counseling (HUD-required counseling for seniors 62+), the Home Management Program/Smart Start (new homeowner support), Neighborhood Revitalization (community development), and the Linking Legacies Program (probate and inherited property assistance). The organization also offers Secure Document Delivery via Citrix ShareFile and lists Featured Homes for sale through a housing developments portal. Educational partnerships with eHome America and Framework provide online course alternatives to in-person seminars.

Differentiator

Problem solved

Functional benefit

Products and services

• Renters Rock! Program A financial empowerment program for renters covering rental market navigation, tenant rights, budgeting for rent, credit building, and saving for security deposits and homeownership. Geared to individual renter households seeking financial stability and a path to buying a home.
• Commit to Six! Program A financial management program using the FDIC's Money Smart for Adults curriculum, covering banking basics, credit reports and scores, debt management, housing stability, and spending-and-saving plan budgeting across six key areas. Serves individuals and families seeking to improve financial literacy and credit.
• Homebuyers Training Club Free one-on-one coaching for first-time homebuyers providing personalized credit and budget analysis, a customized achievement plan, and ongoing support through the credit-rebuilding and home-buying process up to closing.
• Homebuyers Education Seminars Monthly homeownership education seminars offered in English and Spanish on Saturdays, covering mortgage options, credit, predatory lending, down-payment assistance, getting a mortgage, home shopping, inspection, closing, fair housing, and preserving ownership. Completion certificates are accepted across multiple Florida counties for down-payment assistance eligibility.
• Foreclosure Prevention "Fight Club" Intervention program for homeowners facing mortgage delinquencies, providing one-on-one counseling, crisis budgeting, lender engagement, conference call support, and hands-on mortgage modification application assistance.
• Reverse Mortgage Counseling HUD-required counseling for seniors aged 62+ covering Home Equity Conversion Mortgages (HECMs), FHA-insured reverse mortgage options, eligibility requirements, and unbiased guidance on converting home equity to cash without monthly payments.
• Home Management Program (Smart Start) Program supporting new homeowners with budgeting for homeownership expenses, community involvement, home maintenance guidance, mortgage review and equity building, foreclosure prevention, and estate planning to safeguard generational wealth. Includes the "Smart Start Home Management" branded information session for new homeowners on costs, responsibilities, long-term planning, and home affordability.
• Neighborhood Revitalization A community development program collaborating with neighborhood residents and partners to address quality-of-life elements and promote sustainable, vibrant communities through integrated, collaborative initiatives.
• Linking Legacies Program Program supporting individuals inheriting property in Eatonville with probate assistance, financial counseling, will drafting, property tax reduction support, housing rehabilitation applications, free legal consultation, and educational opportunities.
• Secure Document Delivery (Citrix ShareFile) Secure electronic document delivery system enabling clients to securely receive, complete, and submit forms, applications, and disclosures required for program participation.
• Featured Homes (Housing Developments) Homes listed for sale by H.E.L.P. CDC as part of its housing development initiatives, with details and availability published through a dedicated housing developments portal.
• Credit Report Soft Pull Fee-based soft-inquiry credit report soft pull priced at $25.68 per individual or $50.87 per married couple. Soft inquiry only and does not affect credit scores. Used by clients undergoing mortgage readiness and foreclosure counseling to assess credit standing.

Quantifiable outcome

• Loan modifications with principal reduction and payment reduction achieved through Obama Hamp program
• +2 more outcomes

Named customers11 records

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and supporting.

• U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerCommunity Builders-level sponsor providing Comprehensive Housing Counseling Services and Minority Serving Institutions Funding Initiative. HUD approval is fundamental to H.E.L.P. CDC's ability to provide certified housing counseling required for government-assisted programs.
• Orange County Government, Housing and Community Development DepartmentcoreStrategic or Co-development PartnerSustaining partner providing Monthly Homebuyers Education Seminars in English and Spanish. Co-develops and co-delivers education programs for Orange County residents.
• Seminole County Government, Housing and Community Development DepartmentcoreStrategic or Co-development PartnerSustaining partner providing Homebuyers Education Seminars and Counseling Services for Seminole County residents.
• Life Center ChurchcoreStrategic or Co-development PartnerFounding organization that created H.E.L.P. CDC after identifying community needs. Faith-based foundation providing ongoing community connections and support for the organization's mission.
• e-Home AmericasupportingTechnology or IntegrationOnline education platform partner providing homebuyer education courses. Allows clients to complete required education without traveling to the counseling agency.
• Framework (Fannie Mae)supportingTechnology or IntegrationFannie Mae's online homebuyer course recommended for clients who prefer self-paced online learning. Framework provides comprehensive home buying education.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Regional players

• InCharge Housing Solutions: Florida-based HUD-approved housing counseling agency providing pre-purchase education, foreclosure intervention, and financial counseling — operates in the same state and competes for the same county-level contracts.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): National umbrella network of HUD-approved credit and housing counseling agencies; sets standards, aggregates member agencies, and competes for federal HUD counseling funding in the same channel as H.E.L.P. CDC.

Direct peers

• Money Management International: One of the largest HUD-approved housing counseling agencies in the U.S., delivering housing counseling, foreclosure prevention, reverse mortgage, and credit counseling services — direct competitor for HUD counseling contracts.
• HomeFree-USA: National HUD-approved nonprofit housing counseling agency with a focus on underserved communities, offering pre-purchase education, foreclosure prevention, and financial capability — comparable mission and service mix.
• Clearpoint Credit Counseling Solutions: National HUD-approved housing and credit counseling agency offering pre-purchase, foreclosure prevention, reverse mortgage counseling, and financial education — directly comparable to H.E.L.P. CDC's core service portfolio.
• Take Charge America: National HUD-approved nonprofit providing housing counseling, foreclosure prevention, reverse mortgage counseling, and credit counseling — directly comparable services and HUD-eligible funding model.
• BALANCE: HUD-approved housing and financial counseling nonprofit offering pre-purchase education, foreclosure prevention, reverse mortgage counseling, and money management — directly comparable service portfolio.
• GreenPath Financial Wellness: National HUD-approved counseling agency providing housing counseling, foreclosure prevention, reverse mortgage counseling, and financial wellness programs — closely matched services and HUD-approved status.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/HELPCDC
• Facebookfacebook.com/helpcdc
• Instagraminstagram.com/helpcdc
• YouTubeyoutube.com/@helpcdc
• LinkedInlinkedin.com/company/help-community-development-corporation

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about H.E.L.P. Community Development Corporation