Community Housing Council

What Community Housing Council does

Community Housing Council (CHC) is a 501(c)(3) nonprofit and HUD-approved Housing Counseling Agency founded in 1994 and headquartered in Fresno, California, serving families across the Central Valley and (via online classes) the broader California market. The organization's core business is HUD-certified housing counseling and homeownership education, delivered through two regulated service lines: Default and Loss Mitigation Counseling (HUD-approved 2007) and Pre-Purchase Housing Counseling (HUD-approved 2010), including the 8-hour first-time homebuyer class required by CalHFA and state down payment assistance programs. Services are delivered by a 6-person staff — an Executive Director, Program Manager, two HUD Certified Housing Counselors, an Administrative Assistant, and a Reception & Intake Specialist — out of the Housing Resource Center in the Manchester Shopping Center, with live-instructor online classes extending reach beyond Fresno.

CHC's product portfolio includes the Real Estate Learning Center (classes and workshops for homebuyers and homeowners, many free), the 8-hour First Time Homebuyer Class, default and loss mitigation housing counseling, RESPA- and HUD-compliant client referral services to qualified real estate and lending professionals, the CHC Homebuyer Grants program (currently paused), and participation in the California Mortgage Relief Program (currently not accepting new applications). No proprietary technology platform is disclosed; the digital presence runs on Squarespace and the online learning layer is provided through a partnership with Framework Homeownership.

The business model is that of a mission-driven nonprofit rather than a commercial enterprise. Revenue is generated through tax-deductible donations, government grants (HUD, City of Fresno, County of Fresno, City of Clovis, Fresno Housing Authority), membership fees from a member-based structure that includes real estate and lending professionals, and free or low-cost housing counseling and education services. CHC does not disclose revenue. Customer concentration is at the individual consumer level across thousands of cumulative families, while institutional concentration sits on the funder side, with multiple bank, real estate association, and nonprofit partners embedded in the referral and delivery ecosystem.

Name

Community Housing Council

Legal name

Community Housing Council

Website

https://chcfresno.org

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Housing Counseling and Homeownership Education Services

NAICS

Other Community Housing Services (624229)

SIC

Services-Social Services (8300), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Fair Housing, Compliance & Housing Program Oversight (FSALAKAN)

akta.pro secondary industries

Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE), Housing & Neighborhood Services (Local Housing Programs) (BPAIACAJ)

Keywords

• Housing counseling services
• Homebuyer education
• Foreclosure prevention counseling
• Nonprofit housing services
• First-time homebuyer classes

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Donations and Grants: As a 501(c)(3) nonprofit organization established in 2003, CHC relies on tax-deductible donations and government grants to fund operations. They partner with government entities including HUD, City of Fresno, County of Fresno, and others.
2. Membership Fees: CHC is a member-based organization offering memberships that provide access to resources and benefits for real estate and lending professionals.
3. Housing Counseling Programs: Provides HUD-approved housing counseling services including default and loss mitigation counseling, pre-purchase counseling, and financial management education.
4. Education Classes and Workshops: Offers comprehensive homebuyer and homeowner education classes and workshops. Many classes are offered free of charge, with an 8-hour homebuyer class required by CalHFA and other down payment assistance programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Community Housing Council is a HUD-approved 501(c)(3) nonprofit housing counseling agency that delivers HUD-certified housing counseling (default/loss mitigation and pre-purchase), an 8-hour First Time Homebuyer Class required by CalHFA and state down payment assistance programs, financial management education, homebuyer grant administration, and member-based referral services. It serves California families across the Central Valley from its Housing Resource Center in Fresno and via live online classes.

Product overview

Community Housing Council (CHC) is a HUD-approved nonprofit housing counseling organization offering a unified portfolio of services focused on homeownership education and mortgage assistance. The core offerings include HUD-certified housing counseling (default, loss mitigation, and pre-purchase), an 8-hour HUD-approved First Time Homebuyer Class required by CalHFA, and access to grant programs. CHC provides these services through multiple channels: in-person counseling at their Housing Resource Center, online and classroom-based education via the Real Estate Learning Center, and referral services compliant with RESPA and HUD guidelines. The organization serves California families in the Central Valley, particularly Fresno, with programs for both current homeowners facing financial challenges and future homebuyers seeking to purchase homes.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Homebuyer Classes HUD-approved 8-hour homebuyer education class required by CalHFA and state down payment assistance programs, offered live in classroom or online with a live instructor; targeted at prospective first-time homebuyers.
• Housing Counseling Services HUD-certified housing counseling covering default and loss mitigation counseling for homeowners struggling with mortgage obligations, plus pre-purchase counseling for prospective buyers.
• Real Estate Learning Center An educational hub offering comprehensive homebuyer and homeowner classes and workshops, with many classes offered free of charge, available both in-person and online with live instructors.
• CHC Homebuyer Grants Down payment assistance grants for eligible homebuyers, administered by CHC; grant applications are currently paused.
• Membership Program Member-based nonprofit membership offering access to resources and benefits for real estate and lending professionals, including HUD-certified counselor referrals.
• Client Referral Services Referral services connecting clients with qualified industry professionals, compliant with RESPA and HUD guidelines, requiring referral forms for tracking.

Quantifiable outcome

• Thousands of families helped with financial challenges of homeownership

Named customers2 records

Segments4 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, minor and moderate.

• United States Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerCHC is a HUD-approved Housing Counseling Agency, providing both default and loss mitigation counseling as well as pre-purchase housing counseling. This relationship enables CHC to participate in the National Foreclosure Mitigation Counseling Program.
• Union BankminorGTM or Marketing PartnerFinancial institution partner providing homeownership and mortgage-related services collaboration.
• City of FresnocoreStrategic or Co-development PartnerGovernment partner working with CHC on housing efforts in Fresno.
• County of FresnocoreStrategic or Co-development PartnerGovernment partner collaborating on housing initiatives in Fresno County.
• Southwest Fresno Development Corporation (SWFDC)minorStrategic or Co-development PartnerNonprofit partner supporting housing development efforts in Southwest Fresno.
• Habitat for Humanity Greater Fresno AreamoderateStrategic or Co-development PartnerHabitat for Humanity affiliate partner working on affordable homeownership solutions.
• Framework HomeownershipmoderateStrategic or Co-development PartnerHomeownership education partner providing online learning resources.
• Fresno Association of RealtorsmoderateChannel Partner/ Reseller/ DistributorProfessional association of realtors that refers clients to CHC for housing counseling and education services.
• Fresno Housing AuthoritymoderateStrategic or Co-development PartnerGovernment housing authority partner for affordable housing programs.
• City of ClovisminorStrategic or Co-development PartnerGovernment partner for housing efforts in the City of Clovis.
• EECUmoderateGTM or Marketing PartnerCredit union partner supporting homeownership programs. Mike Jones, Director of Member Research & Analytics at EECU, serves on CHC's Board of Directors.
• National Industry Standards for Homeownership Education and CounselingmoderateStrategic or Co-development PartnerIndustry standards organization that CHC aligns with for counseling practices.
• Tri Counties BankminorGTM or Marketing PartnerRegional bank partner in housing-related initiatives.
• Mechanics BankminorGTM or Marketing PartnerBanking partner for housing programs.
• Citizens Business BankminorGTM or Marketing PartnerBanking partner supporting homeownership initiatives.
• Wells FargominorGTM or Marketing PartnerMajor mortgage lender partner in homeownership programs.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• NeighborWorks America: National network of HUD-approved housing counseling agencies providing pre-purchase, foreclosure prevention, and financial education services — directly comparable to CHC's HUD-approved counseling and homebuyer education offerings, often through local affiliates in similar community-based nonprofit structures.
• HomeFree-USA: HUD-approved national housing counseling nonprofit focused on affordable homeownership education and counseling for underserved communities — comparable to CHC's mission-driven focus on low-to-moderate income families in California's Central Valley.
• Money Management International (MMI): HUD-approved national nonprofit providing housing counseling, homebuyer education, and foreclosure prevention services — directly comparable to CHC across the same HUD-approved counseling service categories.
• InCharge Debt Solutions: HUD-approved housing counseling agency offering pre-purchase, post-purchase, and reverse mortgage counseling in addition to credit counseling — a direct peer serving similar homebuyer and homeowner segments.
• Springboard Nonprofit Consumer Credit Management: HUD-approved nonprofit providing pre-purchase homebuyer counseling, financial education, and foreclosure prevention counseling — directly comparable to CHC's certified counseling and education offerings.
• GreenPath Financial Wellness: HUD-approved national housing counseling agency delivering pre-purchase, post-purchase, and reverse mortgage counseling alongside financial counseling — directly comparable to CHC's HUD-certified counseling services for both prospective and existing homeowners.
• Balance (Financial Fitness Foundation): HUD-approved housing counseling agency offering homebuyer education, pre-purchase counseling, and financial wellness programs — directly comparable to CHC's community-based housing counseling model.
• Clearpoint Credit Counseling Solutions: HUD-approved housing counseling agency offering pre-purchase counseling, homebuyer education, and foreclosure prevention — a direct peer delivering the same federally-required counseling services as CHC.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): Umbrella organization for HUD-approved credit and housing counseling agencies — broader than CHC but directly relevant as the national infrastructure connecting HUD-approved counseling providers like CHC to federal funding and standards.

Regional players

• Fresno Housing Authority: Local/regional public housing agency serving Fresno with affordable housing programs and resident services — comparable to CHC in mission and region, but operates housing inventory directly while CHC provides counseling and education rather than units.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CHCFresnoCA
• LinkedInlinkedin.com/company/community-housing-council-of-fresno

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Community Housing Council