What Florida Non-Profit Housing does

Florida Non-Profit Housing, Inc. (FNPH) is a Florida-incorporated 501(c)(3) non-profit organization headquartered at 3909 Kenilworth Boulevard in Sebring, Florida. Founded in 1978 as the successor to the American Friends Service Committee's Florida Migrant and Seasonal Farmworker Housing effort, FNPH operates an affordable housing mission focused on rural low-to-moderate-income families and farmworkers across an 11-state and territory footprint in the U.S. Southeast and Mid-Atlantic (Alabama, Delaware, Florida, Georgia, Maryland, Mississippi, North and South Carolina, Tennessee, Virginia, the U.S. Virgin Islands, and Puerto Rico). The organization delivers three principal lines of service: HUD-certified housing counseling (pre-purchase, post-purchase, credit, budget, and first-time homebuyer workshops) across nine Florida counties and statewide; Mutual Self-Help Housing, a USDA Rural Development-financed group construction model where cohorts of 6-10 families contribute labor to build one another's homes without a down payment; and Farm Labor Housing programming as the U.S. Department of Labor Lead Agency for the Southeast Housing Consortium. Supporting programs include 502 Home Ownership, 504 Repair Grant/Loan, 504 Disaster Relief (temporary rent and utilities assistance for migrant and seasonal farm workers), and the Robert C. Saffold Scholarship for local high school seniors.

FNPH's technology stack is operational rather than differentiating. Service delivery relies on a Wix-hosted public website, a Cloverleaf CMS-powered client registration and access portal (fnph.cloverleafcms.org), Google Analytics, and Facebook for remarketing. The intellectual property and value sit in federal certifications, institutional knowledge, and a 47-year operating track record, not in proprietary software; there is no evidence of AI/ML, an API, mobile application, or internal product platform beyond client intake.

FNPH's revenue mechanics are characteristic of a federally funded intermediary non-profit. The organization receives grants and pass-through funding from USDA Rural Development, the U.S. Department of Labor (Lead Agency role), and HUD (housing counseling certification). Services are delivered to eligible end users at no direct cost. Auxiliary program-managed funds (such as the DOL Temporary and Emergency Housing Assistance Program) are administered through a partner network that includes Agricultural and Labor Program Inc., Centro Campesino Farmworker Center, and Homes in Partnership Inc. Per organization-published figures, FNPH's assistance has helped leverage more than $133 million into approximately 3,000 rental housing units for farm workers in the Southeast. The only direct monetary pricing is the Robert C. Saffold Scholarship at $2,000 per awarded student, capped at three annual recipients across three high schools.

Name

Florida Non-Profit Housing

Legal name

Florida Non-Profit Housing, Inc.

Website

https://fnph.org

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

101–250 employees

Short description

Florida Non-Profit Housing is a 1978-founded Florida-based 501(c)(3) that delivers HUD-certified housing counseling, USDA-financed Mutual Self-Help Housing, and farm labor housing programs across 11 southeastern states and territories, serving low-to-moderate-income families and farmworkers.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

Other Community Housing Services (624229), Administration of Housing Programs (925110), Community Housing Services (62422), New Multifamily Housing Construction (except For-Sale Builders) (236116)

akta.pro primary industry

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

akta.pro secondary industries

Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA), Rural, Tribal & Special-Population Housing Programs (FSALAKAL), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE)

Keywords

• Affordable housing services
• Housing counseling programs
• Farmworker housing assistance
• Mutual self-help housing
• Rural housing development

Headquarters

HQ city

Sebring

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Government Grants and Program Funding: FNPH operates as a non-profit organization funded primarily through government grants including USDA Rural Development programs, Department of Labor farm labor housing funding, and HUD housing counseling programs.
2. Technical Assistance Services: Provides training and management assistance to potential, new and existing grantees; assists agencies in packaging applications to various funding sources; administers training for boards of directors.
3. Housing Counseling Services: HUD-Certified housing counseling services including pre-purchase counseling, post-purchase counseling, credit and budget counseling, and first-time homebuyer workshops across Florida counties.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

FNPH delivers HUD-certified housing counseling, USDA Rural Development-aligned housing programs (Mutual Self-Help Housing, 502 Home Ownership, 504 Repair, 504 Disaster Relief), and Farm Labor Housing development as Lead Agency for the Southeast Housing Consortium. It also provides technical assistance, training, board training, and grant application packaging to non-profit housing providers and units of local government, plus the Robert C. Saffold Scholarship program for local high school seniors.

Product overview

Florida Non-Profit Housing, Inc. (FNPH) is a non-profit housing organization (not a technology company) that provides a suite of housing assistance programs and services. The organization operates as a single-service non-profit rather than a platform-plus-modules architecture. Its core offerings include: Housing Counseling Services (HUD-certified pre-purchase counseling, post-purchase counseling, credit and budget counseling, and first-time homebuyer workshops); Mutual Self-Help Housing Program (group-based home construction with USDA Rural Development financing); Farm Labor Housing Program (farm worker rental housing development as Lead Agency for the Southeast Housing Consortium); 504 Disaster Relief Program (temporary housing assistance for farm workers); 504 Repair Grant/Loan Program (housing repair assistance); 502 Home Ownership Program (USDA Rural Development home financing); and the Robert C. Saffold Scholarship (educational scholarships for local high school seniors). FNPH also provides technical assistance, training, and grant application support to housing organizations.

Differentiator

Problem solved

Functional benefit

Brands

• Robert C. Saffold Scholarship: Scholarship program established in memory of Robert C. Saffold, providing $2,000 awards to students from Avon Park High School, Lake Placid High School, and Sebring High School who demonstrate good work habits and potential for vocational training or college achievement.

Products and services

• Housing Counseling Services HUD-certified pre-purchase counseling, post-purchase counseling, credit and budget counseling, and first-time homebuyer workshops delivered to residents across Florida counties.
• Mutual Self-Help Housing Program Program where participants are organized into groups of 6-10 families who contribute labor toward building all homes in the group, financed through USDA Rural Development with no down payment required.
• Farm Labor Housing Program Program funded by the U.S. Department of Labor in which FNPH serves as Lead Agency for the Southeast Housing Consortium, providing technical assistance and training to develop rental housing for farm workers across Delaware, Florida, Maryland, Mississippi, and Virginia.
• 504 Disaster Relief Program Disaster relief program that provides temporary housing assistance to migrant and seasonal farm workers through rent and utilities payments.
• 504 Repair Grant/Loan Program Grant and loan program providing housing repair and improvement assistance for eligible low to moderate income families in partnership with USDA Rural Development.
• 502 Home Ownership Program Home ownership program delivered in partnership with USDA Rural Development that provides financing for eligible rural residents to purchase homes.
• Technical Assistance and Training for Housing Organizations Service offering for non-profit housing providers and units of local government including training, management assistance for potential, new, and existing grantees, board of directors training, grant application packaging, proposal feasibility review, housing development plans, construction schedules, and financial management systems support.
• Robert C. Saffold Scholarship Annual scholarship program awarding $2,000 per student to high school seniors from Avon Park, Lake Placid, and Sebring High Schools who demonstrate good work habits and potential for vocational training or college achievement.

Quantifiable outcome

• $133 million+ leveraged for housing development
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Eight partnerships are on record, tiered core, supporting and historical.

• U.S. Department of Agriculture Rural DevelopmentcoreStrategic or Co-development PartnerFNPH works in partnership with USDA Rural Development financing programs for the Mutual Self-Help Housing Program. USDA RD provides primary financing while FNPH provides guidance, coordination, and technical assistance throughout the process from application through construction. FNPH also assists agencies in leveraging other sources of funds (e.g., HOME, SHIP, CDBG) to lower mortgages from Rural Housing Services.
• U.S. Department of LaborcoreStrategic or Co-development PartnerFNPH serves as 'Lead Agency' for the Southeast Housing Consortium funded by the Department of Labor. As Lead Agency, FNPH monitors funds and provides assistance to agencies in Delaware, Florida, Maryland, Mississippi and Virginia. FNPH also serves as agent for the Department of Labor's Temporary and Emergency Housing Assistance Program helping migrant and seasonal farm workers with rent and utilities payments.
• U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerFNPH provides HUD-certified housing counseling services throughout Florida counties. HUD certification indicates FNPH counselors meet federal standards for housing counseling proficiency in pre-purchase, financial literacy, and post-purchase counseling.
• Southeast Housing ConsortiumcoreStrategic or Co-development PartnerFNPH serves as Lead Agency for the Southeast Housing Consortium, a multi-state housing initiative covering Delaware, Florida, Maryland, Mississippi, and Virginia. FNPH monitors consortium funds and provides technical assistance and training to non-profit housing corporations and units of local government.
• Agricultural and Labor Program Inc. (ALPI)supportingChannel Partner/ Reseller/ DistributorALPI is listed as a Temporary Housing Assistance Provider in the FNPH network, located at 300 Lynchburg Rd., Lake Alfred, FL 33850. Provides rent and utilities assistance to migrant and seasonal farm workers through the statewide program.
• Centro Campesino Farmworker Center Inc.supportingChannel Partner/ Reseller/ DistributorCentro Campesino is listed as a Temporary Housing Assistance Provider in the FNPH network, located at 35801 S.W. 186th Ave., Florida City, FL 33034. Provides farmworker housing services in South Florida.
• Homes in Partnership Inc.supportingChannel Partner/ Reseller/ DistributorHomes in Partnership Inc. is listed as a Temporary Housing Assistance Provider in the FNPH network, located at 1140 S. Grove Street, Eustis, FL 32726. Provides farmworker housing assistance in Central Florida.
• American Friends Service Committee (AFSC)historicalStrategic or Co-development PartnerFNPH is the successor organization of the American Friends Service Committee's Florida Migrant and Seasonal Farmworker Housing effort. Formed in 1978, FNPH's initial goal was to improve farmworker housing throughout Florida by providing technical assistance and training to non-profit housing providers.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Local Initiatives Support Corporation (LISC): National CDFI and non-profit that finances affordable housing and community development, including rural initiatives. Overlaps with FNPH's mission to expand affordable housing supply and provide technical assistance to developers, but operates as a much larger capital-deployer rather than a regional intermediary.
• Enterprise Community Partners: Large national non-profit that develops and finances affordable housing, provides policy advocacy, and deploys capital through CDFIs. Comparable to FNPH in housing counseling and affordable housing development but at national scale and with significant for-profit-aligned investment activity.
• Habitat for Humanity International: Global non-profit operating the most recognized self-help/sweat-equity affordable housing model. Overlaps with FNPH's Mutual Self-Help Housing Program but at vastly larger scale, broader geography, and with direct construction capacity rather than a pure intermediary/grantee-support role.
• NeighborWorks America: National network of 240+ affordable housing non-profits that provides training, certification, and grant funding to its members, many of which compete with FNPH for the same USDA RD self-help and HUD counseling contracts. Functions as an industry umbrella organization rather than a direct service provider.

Direct peers

• Federation of Appalachian Housing Enterprises: Regional network of affordable housing non-profits serving rural Appalachian communities, providing mutual self-help housing, weatherization, and lending services. Direct competitor for USDA Section 523 self-help grants and HUD counseling contracts in geographies adjacent to FNPH's service territory.
• Self-Help Credit Union: North Carolina-based CDFI that originated the mutual self-help housing model that FNPH administers. Operates the same Self-Help Housing Program under USDA Section 523 and serves similar low-income rural borrowers, making it the closest functional peer to FNPH's self-help construction work.
• Community Housing Partners: Virginia-based non-profit providing affordable housing development, Self-Help Housing, energy-efficiency programs, and HUD-certified counseling across the Mid-Atlantic and Southeast. Operates the same self-help construction model as FNPH and competes for similar USDA RD and HUD funding streams.
• Rural Community Assistance Corporation: Non-profit intermediary that provides technical assistance, training, and financing for rural community development including affordable housing, water infrastructure, and community facilities across 13 western states. Comparable to FNPH in mission and intermediary/grantee-support model but operating in the West rather than the Southeast.
• Housing Assistance Council: National non-profit that provides technical assistance, training, and capacity-building to rural housing developers across the U.S. Highly comparable to FNPH in mission, service model (HUD counseling, USDA Section 523/514/516), and grantee-support role, but at a national rather than Southeast-focused scale.

Regional players

• Northwest Housing Alternatives: Oregon-based non-profit providing affordable housing development, supportive housing, and HUD-certified counseling services in the Pacific Northwest. Comparable to FNPH in mission and service mix but does not directly compete due to its geographically separate service territory.

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/Florida-Non-Profit-Housing/155434684495793
• LinkedInlinkedin.com/company/florida-non-profit-housing-inc.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Florida Non-Profit Housing