R.E.A.C.H.

What R.E.A.C.H. does

R.E.A.C.H. (Real Estate Education and Community Housing, Inc.) is a Florida-based 501(c)(3) nonprofit and HUD-approved Foreclosure and Housing Counseling Agency founded in 2006 and headquartered in Palm Beach Gardens. The organization delivers HUD-approved homebuyer education workshops (8-hour and 6-hour formats), pre-purchase and foreclosure prevention counseling, HECM reverse mortgage counseling for seniors, and down payment assistance guidance to low- and moderate-income individuals and families. It also acquires and rehabilitates distressed properties in partnership with the Florida Community Loan Fund, having purchased and renovated over 300 homes. R.E.A.C.H. operates four offices across Florida (Palm Beach Gardens, Miami, Tampa, and Fort Lauderdale) and serves clients statewide through in-person workshops at community venues and virtual sessions via Microsoft Teams, with materials available in English, Spanish, and Creole.

The organization functions without proprietary technology products, relying instead on third-party platforms including eHome America for online homebuyer and foreclosure education courses and the National Community Stabilization Trust's REOMatch platform for distressed property acquisition. Documented outcomes include over 13,000 foreclosures prevented and hundreds of first-time homebuyers assisted, with documented down payment assistance reaching $100,000 through City of Tampa programs and up to $147,000 through Miami-Dade County programs.

R.E.A.C.H.'s business model is grant-funded first, with supplemental fee revenue. Primary funding comes from institutional grants, including a $200,000 Fee for Service Grant from Miami-Dade County (2019) and $20,000-$40,000 annually from the Wells Fargo Foundation. Fee-based revenue streams include $150 per HECM reverse mortgage counseling session and, effective April 1, 2022, a $49 per-class fee for homebuyer education in certain counties, while many workshops remain free. The organization is an affiliate of HomeFree-USA, and leadership consists of President/CEO Patricia Tracey and Executive Director Michael Roberts.

Name

R.E.A.C.H.

Legal name

Real Estate Education and Community Housing, Inc.

Website

https://reach4housing.org

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

R.E.A.C.H. is a Florida 501(c)(3) nonprofit and HUD-approved housing counseling agency providing homebuyer education, foreclosure prevention, reverse mortgage counseling, and down payment assistance guidance to low- and moderate-income communities across four Florida offices.

Ownership category

akta.pro rank

Headquarters

HQ city

Palm Beach Gardens

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Supply Chain, Others

Revenue model

1. Grant Funding: R.E.A.C.H. operates primarily through grant funding from government agencies and financial institutions. Notable grants include $200,000 from Miami-Dade County for first-time homebuyer educational services and counseling, and $20,000 from Wells Fargo Foundation for homeownership counseling and financial literacy education.
2. Counseling Fees: The organization charges $150 for HECM (Home Equity Conversion Mortgage) reverse mortgage counseling sessions, which is a fee-for-service model for senior homeowners seeking reverse mortgage information.
3. Education Workshop Fees: As of April 1, 2022, homebuyer education classes have a fee of $49 per class for qualifying counties. Some workshops remain free depending on funding availability and county requirements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Core offering

R.E.A.C.H. is a HUD-approved nonprofit housing counseling agency that delivers homebuyer education workshops, one-on-one pre-purchase counseling, foreclosure prevention counseling, HECM reverse mortgage counseling, down payment assistance program guidance, and acquisition/rehabilitation of distressed properties for low- to moderate-income Florida residents. Services are offered free or at modest fees ($49 per class, $150 per HECM session) in English, Spanish, and Creole across four Florida offices.

Product overview

R.E.A.C.H. (Real Estate Education and Community Housing, Inc.) is a Florida 501(c)(3) nonprofit organization and HUD-approved housing counseling agency that provides a comprehensive suite of homeownership services. The core offerings include HUD-approved homebuyer education workshops (8-hour and 6-hour formats available in English, Spanish, and Creole), pre-purchase counseling, foreclosure and eviction prevention services, reverse mortgage (HECM) counseling, and down payment assistance program guidance. R.E.A.C.H. also acquires and rehabilitates distressed properties to create affordable homeownership opportunities. The organization operates across multiple Florida counties including Miami-Dade, Broward, Palm Beach, and Hillsborough, with physical offices in Palm Beach Gardens, Miami, and Tampa.

Differentiator

Problem solved

Functional benefit

Products and services

• HUD-Approved Homebuyer Education Workshops

Quantifiable outcome

• Over 13,000 foreclosures prevented through counseling intervention
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• HomeFree-USAcoreStrategic or Co-development Partner · 1 January 2006R.E.A.C.H. is an affiliate of HomeFree-USA, a national housing counseling organization. This affiliation provides access to resources, training, and network support for HUD-approved counseling agencies.
• National Community Reinvestment Coalition (NCRC)minorStrategic or Co-development PartnerR.E.A.C.H. participates in NCRC events and conferences, contributing to community reinvestment initiatives and fair housing advocacy efforts.
• Florida Housing CoalitionminorStrategic or Co-development PartnerR.E.A.C.H. attends the annual Florida Housing Coalition Statewide Affordable Housing Conference, Florida's premier housing industry event attracting over 1,250 professionals.
• Community Reinvestment Alliance of Florida (CRAF)minorStrategic or Co-development PartnerR.E.A.C.H. participates in CRAF annual summits focused on the Community Reinvestment Act and building equity and opportunity for underserved communities.
• Homeownership WorksminorStrategic or Co-development PartnerPartnership mentioned in the Reaching Millions Leadership Conference context, focused on serving diverse homebuyers and homeowners.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• GreenPath Financial Wellness: HUD-approved housing counseling agency providing pre-purchase, post-purchase, foreclosure prevention, and reverse mortgage counseling. Operates nationally with significant technology investment in digital delivery — a comparable business model to R.E.A.C.H. but at much larger scale.
• Money Management International (MMI): One of the largest HUD-approved housing counseling agencies in the U.S., providing pre-purchase homebuyer education, foreclosure prevention, financial counseling, and reverse mortgage counseling. Direct overlap with R.E.A.C.H.'s core service portfolio across multiple delivery channels.
• BALANCE: HUD-approved housing counseling and financial education nonprofit offering pre-purchase counseling, foreclosure prevention, reverse mortgage counseling, and money management. Comparable service mix and HUD-approved positioning to R.E.A.C.H., with broader U.S. reach.
• Housing Partnership, Inc. HUD-approved nonprofit housing counseling and community development organization providing homebuyer education, foreclosure prevention, and homeownership counseling. Operates with a comparable mission and service portfolio to R.E.A.C.H. in the affordable housing space.
• HomeFree-USA: R.E.A.C.H. is an affiliate of HomeFree-USA, a national HUD-approved housing counseling network. HomeFree-USA operates the same HUD-approved counseling, homebuyer education, and foreclosure prevention model through affiliated agencies across multiple states, making it the closest organizational peer.
• Cambridge Credit Counseling: HUD-approved housing counseling agency providing foreclosure prevention, pre-purchase homebuyer education, and reverse mortgage counseling. Operates with a similar service portfolio to R.E.A.C.H. and serves comparable low- to moderate-income client segments nationally.
• ClearPoint Credit Counseling Solutions: HUD-approved nonprofit providing housing counseling, foreclosure prevention, homebuyer education, and reverse mortgage counseling. Operates nationally with a comparable mix of counseling, education, and fee-for-service revenue that overlaps R.E.A.C.H.'s service model.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): National umbrella network for HUD-approved credit and housing counseling agencies. Member agencies deliver many of the same services R.E.A.C.H. provides (homebuyer education, foreclosure counseling, reverse mortgage counseling), making NFCC and its member agencies directly comparable peer entities.
• NeighborWorks America: National network of more than 250 HUD-approved nonprofit housing counseling and community development organizations. NeighborWorks affiliates deliver the same suite of homebuyer education, foreclosure prevention, and financial counseling services as R.E.A.C.H., but at a substantially larger scale and national footprint.

Regional players

• Florida Housing Coalition: Statewide nonprofit advocacy and education organization focused on affordable housing in Florida. While not a direct counseling services competitor, it operates in the same Florida housing ecosystem where R.E.A.C.H. delivers its programs and is a comparable regional nonprofit partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/reach4housing
• YouTubeyoutube.com/user/REACH4HOUSINGorg
• Facebookfacebook.com/REACH4HOUSING
• LinkedInlinkedin.com/in/r-e-a-c-h-4-housing-1905159a
• Instagraminstagram.com/reach.4housing

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 R.E.A.C.H.