What is a Flagship Membership?

  • Advise the FHCN by providing direction and strategy
  • Guide Policy that influences and effects the FHCN
  • Develop revenue generating programs to replicate for other FHCN members
  • Participate in FHCN's online and in-person communications and meetings

What do we provide for members?

  • Support agency sustainability through innovative programs and products
  • Improved visibility
  • Convene regional meetings and industry roundtables
  • Professional development
  • Statewide coordination of advocacy efforts
  • Research and writing on relevant and current topics
  • Job board

Why join? There is POWER in PARTNERSHIP

FHCN is a singular voice for its member agencies in regard to working with policymakers and investors as well as the advocate for additional support at the state and national levels. We convene housing counseling leaders from across the state to evaluate current needs and develop strategies and solutions that can be replicated and celebrated. 

Even more than being the premier organization for housing counseling, WE are a movement. Our 12 Flagship members invite you to join us to add YOUR unique energies to this ground swell that is changing the face of housing counseling in our state. Through our membership, we are able to support each other in success and take those successes and replicate them so we can better serve our communities. 

The FLORIDA HOUSING COUNSELOR NETWORK (FHCN) is the collective voice and the advocate for housing counselors and counseling agencies in Florida. We are a social impact (nonprofit) corporation and the first organization dedicated to supporting YOUR needs.

Executive Director Michele Hartson brings solid expertise, experienced leadership and organizational effectiveness to provide you with practical tools to enhance marketing, fundraising, business lines, and advocacy efforts.



mhartson@ihpip.com or (301) 452-0481


2019 Accomplishments

  • The FHCN established a Foreclosure Counseling Program (FCP) Action Team, comprised of Flagship Members, that:

successfully advocated to preserve funds;

communicated with Florida Housing staff on a regular basis to recommend enhancements to the program and better timeliness on payments; and

offered practical ideas regarding closeout of the program that were well received.

  • The FHCN continued to convene Peer-to-Peer communication opportunities and idea exchanges.

    Who are the Flagship Members?

    Affordable Homeownership Foundation, Inc. - Ft. Myers 

    The Foundation is a not-for-profit corporation that builds and rehabs rental homes for very low and low income individuals that are seniors, disabled, veterans, and youth that have aged out of foster care. Staff conduct classes for first-time homebuyers and for people concerned about losing a home to foreclosure. 

    Consolidated Credit Solutions, Inc. - Plantation

    It’s our job to be advocates for every client we work with. We’re not here to judge. We’re here to help our clients become debt-free, by being a negotiator and a liaison with their creditors and a support system if they run into any trouble. That’s our core philosophy. We’re constantly looking for new ways to help people find better ways to deal with their debt, credit and money. We aim to assist families throughout the United States to end financial crisis and solve money management issues through education and professional counseling.

    In 2008 when the housing market collapsed, we added a housing counseling department to help homeowners find solutions to avoid foreclosure. Our director worked with HUD and the FHA to establish programs like the Florida Hardest Hit Fund to help people avoid foreclosure, in spite of the high unemployment rates brought on by the Great Recession.

    Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management - Clearwater

    Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management (NFDM) is a preeminent multi-state housing counseling agency and has a long and successful record of providing housing and credit counseling.   NFDM targets its counseling to those needing services the most, the populations that are classified as “at risk”. Specifically, NFDM’s efforts are designed to reach elder Americans, disaster victims, foreclosure clients and very delinquent debt clients. These low-to-moderate income (LMI) clients have the greatest need and most have obstacles to getting assistance. Established in 1998 as a 501(c)(3) nonprofit agency, NFDM has been providing Housing Counseling for 20 + years.  

    HANDS of Central Florida - Orlando

    Housing and Community Development Services of Central Florida (HANDS) conducts homebuyer education seminars for those wishing to purchase a home. HANDS also conducts private, one-on-one housing counseling sessions in household credit and budget analysis for renters and homeowners; pre-home purchase; foreclosure prevention; home equity conversion – reverse mortgage; and tenant/landlord counseling for renters.

    H.E.L.P. Community Development Corp. - Maitland

    H.E.L.P. Community Development Corporation (HELP CDC) is a HUD-approved, Central Florida-based, comprehensive housing counseling agency. HELP CDC’s mission is to inspire and empower families to build financial security, stability, and wealth through financial education and counseling. HELP CDC accomplishes its mission by offering one-on-one and group programs focused on financial education and money management, student loan debt analysis, home buyers education and counseling, foreclosure intervention counseling, reverse mortgage counseling, and community revitalization.

    Home Ownership Resource Center of Lee County, Inc. - Lee County

    The Home Ownership Resource Center of Lee County (HORC) is a U. S. Department of Housing and Urban Development (HUD) Approved Housing Counseling Agency and Florida non-profit 501(c)3 corporation. HORC has been serving in the Southwest Florida region for more than 20 years by offering prospective and current homeowners an array of financial management counseling and educational services through governmental and privately funded programs. Our objectives are to promote healthy communities through homeownership; encourage citizen empowerment; promote reinvestment in declining neighborhoods; and, foster neighborhood stability. Our overarching mission and efforts are to increase economic opportunity and community development investments in the markets of Southwest Florida that are underserved and located in distressed communities.

    Solita’s House, Inc. - Tampa

    The mission of Solita's House, Inc. is to build the financial capabilities of clients and communities by providing housing counseling, debt and money management, and home retention programs through educational programs and confidential counseling.  As a Certified CDFI, Solita’s House complements these services with specialized financial products such as affordable credit building loans and individual development savings accounts with matched savings. As an HUD-approved Housing Counseling Agency Solita's House helps low- and- moderate income persons attain homeownership and preserve their homes.

    Tampa Bay Community Development Corporation - Tampa

    For 34+ years, the Tampa Bay CDC programs have assisted clients in improving their financial capacity, purchasing their home, or staying in their current home. Veterans, seniors, millennials, and all generations have benefited from these tested and proven in-house programs. Homebuyers educated through the CDC’s Home Buyer Education Class in Pinellas and Pasco counties have a higher chance of keeping their home by: 

    • Negotiating loan modification with lender.

    • Helping with the home buying process

    • Working on increasing a client’s credit

    • Helping with down payment on a home

    Neighborhood Home Solutions - St. Petersburg

    Neighborhood Home Solutions (NHS) is a non-profit, IRS 501 (c) (3), HUD Approved Housing Counseling Agency, incorporated in 1980. NHS is an innovative organization quick to respond to the needs of the community and the clients in need of its services and advocacy. Services are dedicated to helping people improve their financial wellbeing, qualify for home ownership, and maintain their home after purchase. NHS develops new homes in St. Petersburg for graduates of its Sustainable Homeownership Programs.

    Real Estate, Education and Community Housing, Inc. (R.E.A.C.H. 4 Housing) - Palm Beach Gardens

    R.E.A.C.H provides first-time homebuyer workshops each month in Dade, Broward, Palm Beach, Martin, St. Lucie,Hillsborough, and Pasco counties. Workshops help clients understand the home buying process from start to finish, help them determine how much money they can afford on a home, and learn about the tax benefits of home ownership. R.E.A.C.H. also offers online classes in housing and foreclosure education and money management. Foreclosure and Modification Counseling, Post Modification Counseling, Fair Housing, Post Purchase Home Repairs, Budget Counseling, Landlord Law, Loan Program Counseling, High Cost Mortgage Counseling, Back to Work Education are also available. 

    St. Johns Housing Partnership, Inc. - St. Augustine

    Since 1998, St. Johns Housing Partnership, a non-profit, has been promoting safe, decent and affordable housing in north Florida, by linking the public/private sectors to create low/moderate income housing, rebuild neighborhoods and enhance development. Preparing clients for homeownership, educating them about the pitfalls that lead to foreclosure and repairing homes has strengthened our “end to end” counseling services.  We serve more than 500 clients per year in our counseling office. We assist a wide regional area in homebuyer services as well as 12 area Habitat for Humanity affiliates to educate their new homeowners and harden their homeowners against delinquency in the future. With so many housing counseling/foreclosure prevention programs closing in recent years, we have expanded our foreclosure work to include a large regional area, serving those “foreclosure deserts” where homeowners lack services.

    Urban League of Palm Beach County - West Palm Beach

    The Urban League provides foreclosure and pre-purchase counseling in addition to comprehensive housing counseling programs to empower individuals to break down barriers and obtain economic equality through education, self-reliance and a greater understanding of financial tools and services. The League manages a Financial Empowerment Center to help people find employment, get their spending under control, and save for the future.

    Who are the Organizational Members?

    Crisis Housing Solutions, Inc. – Broward County 

    Housing Development Corporations of SW Florida, Inc. – Collier County

    Neighborhood Housing Services of South Florida 

    Wealth Watchers, Inc. - Jacksonville


    mhartson@ihpip.com or (301) 452-0481


    The Florida Housing Counselor Network is a 501(c)(3) non-profit organization.

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