NHSSF

What NHSSF does

Neighborhood Housing Services of South Florida (NHSSF) is a 501(c)(3) nonprofit community development organization founded in 1978, serving low- and moderate-income residents across Miami-Dade and Broward Counties. The organization's service portfolio centers on three pillars: homeownership education and counseling (HUD-certified 8-hour homebuyer workshops in English and Spanish, one-on-one housing counseling, and Financial Fitness Classes), financial assistance (down payment and closing cost assistance programs administered in partnership with Miami-Dade PHCD, Broward County Housing, and MDEAT, plus affordable mortgage lending through its certified CDFI designation), and community transformation (weatherization, the Home Depot-backed Beautification Program targeting 45 homeowners by 2025, a Solar Panel Program, and two Resilience Hubs with solar and clean energy components launched in 2024). Technology infrastructure is modest: a ClientMax online portal for intake, partnership with EHome America for self-paced $99 online classes, and Zoom-based delivery of classes — there is no proprietary AI/ML platform. Revenue is generated through a diversified mix of individual and corporate donations, NeighborWorks America support, transaction-based real estate brokerage income via wholly owned subsidiary Homeownership Realty LLC, CDFI lending income (35 first-time homebuyer loans over the past 3 years), modest class fees, and large grant inflows including $120M+ lifetime federal Neighborhood Stabilization Program funding and $6M+ in NeighborhoodLIFT down payment assistance grants.

Name

NHSSF

Legal name

Neighborhood Housing Services of South Florida

Website

https://nhssf.org

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

11–50 employees

Short description

NHSSF is a 45+ year 501(c)(3) nonprofit providing HUD-certified homebuyer education, counseling, down payment assistance, affordable lending, and community revitalization programs to low- and moderate-income residents across Miami-Dade and Broward Counties in South Florida.

Ownership category

akta.pro rank

Product category

Affordable Housing and Community Development Services

NAICS

Individual and Family Services (6241)

SIC

Services-Social Services (8300)

akta.pro industry

PRIMARYBPAGALAC

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

Business & Public Services/Nonprofit, NGO & Social Services/Social Enterprises & Impact Organizations

Keywords

• Homebuyer education
• Affordable housing lending
• Foreclosure counseling
• Community development
• Down payment assistance

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual and Corporate Donations: NHSSF receives contributions from individual and corporate donors. The organization states that at least 75 cents of every dollar contributed goes directly to programs.
2. NeighborWorks America Partnership: NHSSF is a chartered member of the NeighborWorks network and receives support through this national partnership.
3. Homeownership Realty: Licensed Real-Estate Brokerage operating as Homeownership Realty, LLC - provides housing development and lending services.
4. Lending Activities: Provides affordable mortgages to low and moderate income homebuyers as a certified Community Development Financial Institution (CDFI).
5. Homebuyer Education Fees: Online EHome America option available at $99 cost. In-person classes are offered free of charge as a HUD-certified agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

NHSSF delivers homeownership education, one-on-one housing counseling, financial fitness training, and community development programs to residents of Miami-Dade and Broward Counties. As a HUD-certified Housing Counseling Agency and certified Community Development Financial Institution (CDFI), the organization provides affordable mortgage lending, administers down payment assistance grants, and operates programs including weatherization, beautification, and solar panel installations. It is a chartered member of the NeighborWorks network and operates the licensed Homeownership Realty, LLC brokerage.

Product overview

NHSSF offers a comprehensive suite of homeownership and community development services organized around three core pillars: homeownership education and counseling, housing development and revitalization, and financial assistance programs. The primary consumer-facing offerings include the 8-hour HUD-certified Homebuyer Education Workshop (offered in-person in English/Spanish for free and online via eHome America for $99), One-on-One Counseling for homeowners and renters, and Financial Fitness Classes. The organization administers Down Payment Assistance Programs in partnership with Miami-Dade and Broward Counties, provides Lending Services through Homeownership Realty, LLC, and offers specialized programs including Weatherization Assistance, Beautification Program, Solar Panel Program, and Resilience Hubs. All services are accessible through the NHSSF ClientMax Portal. The portfolio serves first-time homebuyers, existing homeowners facing financial hardship, and communities across Miami-Dade and Broward Counties.

Differentiator

Problem solved

Functional benefit

Products and services

• Homebuyer Education Workshop 8-hour HUD-certified workshop providing first-time homebuyers with knowledge to prepare for buying a home, improve credit, access financial subsidies, and understand the home buying process including loan preapproval, inspections, insurance and settlement. Offered in English and Spanish.
• One-on-One Counseling Individual counseling sessions for both homeowners and renters, including post-purchase guidance, foreclosure prevention, and housing-related assistance.
• Financial Fitness Classes Financial education and coaching covering money management, credit issues, and financial capability to help residents achieve homeownership and financial stability.
• Weatherization Assistance Program Energy efficiency program providing weatherization services to help residents reduce energy costs and improve home efficiency, including services up to $15,000 per Miami-Dade County homeowner.
• Beautification Program Community revitalization program providing exterior painting and landscaping services to homeowners, supporting property value preservation and neighborhood improvement, in partnership with Home Depot.
• Down Payment Assistance Programs Partnership programs with Miami-Dade and Broward Counties providing down payment and closing cost assistance grants to eligible homebuyers.
• Lending Services Affordable mortgage products and lending services providing financing options for low and moderate income homebuyers as a certified Community Development Financial Institution (CDFI).
• Homeownership Realty, LLC Licensed real estate brokerage helping buyers navigate the home purchasing process with realtor and lender coordination.
• Resilience Hubs Community-serving facilities incorporating solar and clean energy designed to increase social, health and economic outcomes for vulnerable residents and serve as emergency shelters during climate disasters.
• Solar Panel Program Program providing solar panels and hurricane-resistant solar EnPods to homeowners, especially those in hurricane-prone areas.
• Housing Counseling and Financial Fitness Counseling (HSCP Program) PHCD Housing Counseling and Financial Fitness Counseling services for residents behind on rent, facing demand for payment, eviction notice, or foreclosure.
• NeighborhoodLIFT Program Down payment assistance grant program administered in partnership with Wells Fargo and NeighborWorks America, providing $30,000 5-year forgivable grants to eligible homebuyers.

Quantifiable outcome

• 248 first-time homeowners created in last 3 years
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core, flagship and minor.

• NeighborWorks AmericacoreStrategic or Co-development Partner · 1 January 1978Chartered member of the NeighborWorks network, a national partnership of over 230 community development organizations. NHSSF receives support through this partnership and is part of a network of 245 nonprofits located in every state.
• Home DepotcoreStrategic or Co-development PartnerPartnership for the Beautification Program. Home Depot provides volunteers, paint supplies, mailboxes, and outdoor furniture. Partnership goal is to serve up to 45 homeowners by 2025 with exterior painting and landscaping.
• Grow Care Outdoor SolutionscoreStrategic or Co-development PartnerLocal vendor partner for the Beautification Program providing landscaping services at a flat fee of $600.
• Fannie MaeflagshipStrategic or Co-development PartnerPartnership to open the first Mortgage Help Center in the nation in 2010. NHSSF staff staffed the center, representing the first time Fannie Mae worked directly with mortgage borrowers.
• Orlando Neighborhood Improvement Corporation (ONIC)coreStrategic or Co-development PartnerCo-administrators of the Orlando NeighborhoodLIFT program. Both organizations are chartered NeighborWorks members.
• Clean Energy Coalition / HBCU Clean Energy CoalitioncoreStrategic or Co-development PartnerPartner in Resilience Hub development. Contact for RSVP to community conversations on sustainable community initiatives.
• University of Miami Office of Civic and Community EngagementcoreStrategic or Co-development PartnerPartner in Heirs Program providing legal services to help homeowners transfer property to family members. Also collaborated on LAND tool (Land Access for Neighborhood Development) showing 500 million sq ft of publicly-owned land.
• Miami-Dade Community Action and Human Services Department (CAHSD)coreStrategic or Co-development PartnerPartnership for National Weatherization Day activities and ongoing weatherization assistance programs.
• JMP GroupminorImplementation/ SI/ Consulting PartnerContractor for weatherization work, providing services such as stucco repair, appliance replacement with energy-efficient models.
• Institute for Sustainable Communities (ISC)coreStrategic or Co-development PartnerSelected as member of DEICC (Dismantling Energy Inequity in Communities of Color) initiative, an 18-month program funded by Tides Foundation with resources from Wells Fargo.
• Miami-Dade Public Housing and Community Development (PHCD)coreChannel Partner/ Reseller/ DistributorNHSSF is a designated partner and provider for PHCD's down payment and closing cost assistance program.
• Broward County Housing DepartmentcoreChannel Partner/ Reseller/ DistributorReferral partner for housing counseling, assisting in educating the public about homebuyer assistance programs.
• Miami-Dade Economic Development Trust (MDEAT)coreChannel Partner/ Reseller/ DistributorProvider of homebuyer services for residents using MDEAT homebuyer assistance programs.
• Opportunity Finance NetworkminorStrategic or Co-development PartnerListed as partner/supporter of NHSSF.
• Enterprise Community PartnersminorStrategic or Co-development PartnerListed as partner/supporter of NHSSF.
• CitiminorStrategic or Co-development PartnerInvolved in 'The Remaking of Brownsville, Florida' community development initiative.

Scale indicators17 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Neighborhood Housing Services of New York City: NHSNYC is a chartered NeighborWorks affiliate providing homeownership counseling, lending, and community development in New York City. Closest structural analog to NHSSF, offering HUD-certified counseling, CDFI lending, and homebuyer education in an urban market.
• NACA (Neighborhood Assistance Corporation of America): NACA is a national HUD-certified counseling agency that provides free homebuyer counseling, advocacy, and below-market mortgages to low- and moderate-income borrowers. Directly comparable to NHSSF on counseling, mortgage access, and advocacy for underserved homebuyers.
• HomeSight: HomeSight is a Seattle-based nonprofit that prepares families for sustainable homeownership through counseling, education, and real estate services. Closely comparable to NHSSF as a NeighborWorks-style organization combining education, counseling, and community development in a defined metro.

Broad incumbents

• Local Initiatives Support Corporation (LISC): LISC is one of the largest national CDFIs and community development intermediaries, channeling capital and capacity-building support to local nonprofits. Comparable to NHSSF in mission (affordable housing, community revitalization) but vastly larger and operating as a national platform rather than a single local provider.
• Enterprise Community Partners: Enterprise is a national nonprofit that invests capital and develops affordable housing across the U.S. NHSSF partners with Enterprise locally; Enterprise operates at national scale and overlapping affordable housing/community development focus makes it a broad incumbent peer.
• Habitat for Humanity: Habitat for Humanity builds, rehabilitates, and finances affordable homes, primarily through volunteer labor and below-market mortgages. Shares NHSSF's homeownership and housing-counseling mission but operates a national sweat-equity construction model rather than a counseling-and-lending model.

Others

• Grounded Solutions Network: Grounded Solutions Network is a national membership organization supporting community land trusts and shared-equity affordable housing. Comparable ecosystem organization to NHSSF given the shared focus on long-term housing affordability and community stewardship.
• Opportunity Finance Network: OFN is the national association of CDFIs including NHSSF. Provides training, capital, and advocacy to community development financial institutions, making it a peer network/association rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/nhsofsofl
• YouTubeyoutube.com/channel/UCXmqPCpV2VLNKvn_4lpYwNg
• Facebookfacebook.com/NHSSF
• LinkedInlinkedin.com/company/neighborhood-housing-services-of-south-florida
• Instagraminstagram.com/nhsofsouthflorida/?hl=en

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 NHSSF