Florida Affordable Housing

The American Recovery and Reinvestment Act investing in Florida
Florida is on track to benefit from a total of 206,000 Recovery Act jobs of local companies that can hire new employees, workers who are no longer faced with uncertainty, and families that no longer need to struggle to pay their bills. Grants will pay for the purchase and rehabilitation of vacant or foreclosed residential properties with an opportunity to help provide down payment assistance to help families purchase homes. Money was set aside to provide the first time home buyer tax credit, grants for affordable housing and to help first time home buyers with down payments and closing costs. The goals of the Recovery Act are to create new jobs, as well as save existing ones; spur economic activity and invest in long-term economic growth; foster unprecedented levels of accountability and transparency in government spending.

Florida

Creating jobs and making a difference in Florida's Housing
Thanks to the American Recovery and Reinvestment Act, during three budget years, up to $23.8 billion in federal stimulus dollars will be pumped into Florida’s economy for state and local projects. When we see first time buyers receiving support and education to make wise home buying decisions, when we see our senior citizens living in decent, safe and affordable housing, when we see new infrastructure under construction and when we see small businesses still working, keeping their employees and providing new jobs for others, we know that the Recovery Act is working for Florida. Read more

GO GREEN Initiative

Increasing energy efficiency and improved human health
There is a pervasive perception that building green is far more expensive than building conventionally, and is therefore not suitable for affordable housing. This is being disproved by case studies that show that green building is not significantly more expensive at the outset, and actually saves money in the long run. In fact, there are many green building techniques that add little or no additional expense and provide savings over time. Green homes use much less energy than conventional homes and incorporates many practices that increase the energy efficiency of a home, resulting in lower use of natural resources and savings in utility expenses.

Community Initiatives

Jacksonville

Jacksonville
“Paint the Town Rehab Week performing essential repairs on low-income families homes....”

Bonita Springs

Bonita Springs
“An attractive new Florida housing development in coastal community with affordable homes...”

Florida Housing Coalition

Community-based affordable housing consultation and related services
The Florida Housing Coalition, Inc., is a nonprofit, statewide membership organization whose mission is to act as a catalyst to bring together housing advocates and resources so that all Floridians have a quality affordable home and suitable living environment. The Coalition provides professional services through training and technical assistance on affordable housing and related issues; supports community-based partnerships in leveraging resources; and advocates for policies, programs and use of funding resources that maximize the availability and improve the quality of affordable housing in Florida. The Coalition carries out this mission recognizing that affordable housing is an integral part of community revitalization and economic development.

Outreach Services

Tallahassee

Tallahassee
“The Florida Housing Coalition has been serving community building needs since 1996....”

SHIP Program

SHIP Program
“The program was designed to provide low and moderate income families with home assistance...”

Hardest-Hit Fund

Florida Foreclosure Prevention Assistance Programs
The federal government has allocated funding to help pay the mortgages of qualified homeowners who are unemployed or underemployed through no fault of their own. Homeowners who qualify for financial assistance may receive up to 18 months of monthly mortgage payments and/or funds to pay past due mortgage payments to bring the mortgage current; these funds are paid directly to the loan service/lender. The program is for owner-occupied primary resident property and to become available statewide early in 2011.

Temporary Assistance

Elibility

Eligibility
“Homeowners must meet certain criteria and are not guaranteed an approval when qualifying....”

Lee County

Lee County
“Homeowners from across the state will be able to apply early in 2011, pending the pilot program....”

Community Loan Fund

Community development is about transforming social and economic conditions for people
At its core, community development is creating opportunities for people with limited resources to improve their lives. By offering tools for individuals to prosper, community development nonprofit's are transforming and improving Florida one person at a time; one family at a time; one community at a time. People, like communities, develop and thrive when they are strong---when their housing is safe, sustainable and affordable, when quality services such as childcare and healthcare are accessible and affordable, and when adequate programs and facilities are there to provide support in times of need.

The Loan Fund delivers capital to Florida non-profit organizations that engage in community development. Its capital supports essential social change and helps finance the community solutions that make people and communities stronger.

Success Stories

Palm Beach

Palm Beach
“Creative community solutions by organizations to produce significant community benefits....”

Urban League

Urban League
“Through workshops, seminars, and increased home ownership in the communities it serves...”

Affordable Housing Search

A Free Place to List and Find Affordable Housing in Florida
The web site was developed with support from a number of nonprofit and government organizations in Florida. The housing locator service allows people to locate available housing that best fits their individual and family needs. Individuals can easily search for housing using a wide variety of search criteria with special mapping features and receive apartment listings that provide a multitude of important information about each unit. In addition, the site connects people to other housing resources through web site links and provides helpful tools for renters such as an affordability calculator, rental checklist, and renter rights and responsibilities information.

Housing Locator

Find Housing

Find Housing
“Developed as a free place to list and find affordable housing throughout the Sunshine State....”

Locator Service

Locator Service
“Locate or list adult family care homes, assisted living facilities, affordable housing and more....”

Florida Housing Finance Corporation

Educating the public and government officials on the benefits of affordable housing
Florida Housing was created by the Florida Legislature more than 25 years ago to help our fellow Floridians obtain safe, decent affordable housing that might otherwise be unavailable to them.

Today, Florida Housing continues its mission by increasing affordable housing opportunities and ensuring that its programs are well matched to the needs of those they serve. Florida Housing works with local governments, non-profits, elected officials and others to help spread the importance of affordable housing in Florida’s communities.

FHFC's main desire is to supply of safe, affordable housing for individuals and families with very low to moderate incomes by stimulating investment of private capital and encouraging public and private sector housing partnerships.

Mission Challenges

Affordable Housing

Affordable Housing
“Encouraging public-private community partnerships and governmental coordination....”

Housing Initiatives

Housing Initiatives
“Production, preservation and maintenance of safe, decent and affordable housing for all Floridians...”

Housing Data Clearinghouse

Public access to data about housing needs and supply in Florida communities
Founded in 2000, the Florida Housing Data Clearinghouse's web site is a great example for agencies who want to provide easy access to relevant data and statistics. Visitors to the site are greeted with a map of the state, and can drill down into individual cities and counties to retrieve figures affecting the availability of affordable housing. Users can find population growth projections, new construction and sales data, and housing and wage trends with well designed data access tools that allow comparisons by jurisdiction.

Household Demographics

Housing Data

Housing Data
“Web site inventory of federal, state, and locally subsidized housing data and plans for public use....”

Housing Decisions

Housing Decisions
“Collecting and sharing standard demographic information on the housing of Florida's population....”

FHLBank Community Programs

Federal Home Loan Bank System cooperative bank that offers low-cost banking services
The Federal Home Loan Bank System provides a stable source of funding to federally insured depository institutions. 12 regional banks in the Federal Home Loan Bank System, which raises funds in the global financial markets and distributes the proceeds to members and local communities.

Serving the economic and housing needs of communities by providing local banks with flexible options for community development initiatives. Contributing to community non-profits in the form of grants and subsidized advances that help build affordable housing. These funds have help construct more affordable housing units and have contributed to job growth throughout the region.

Affordable Housing

FHL BAnk Atlanta

FHLBANK Atlanta
“Serving the housing needs of communities by providing community development initiatives.....”

Low Cost Financing

Low Cost Financing
“Affordable home loans and economic development credit to neighborhoods and communities....”

Florida Supportive Housing Coalition

Dedicated to the development of housing for various special needs populations
Founded in November 2001, the Coalition is committed to promoting long-term housing solutions for people with special needs, particularly the homeless, disabled, elderly, people with mental illnesses, and other special populations.

The Florida Supportive Housing Coalition is dedicated to advocating for public policy and governmental structures that encourage self-sufficiency, housing choice, and community-based opportunities for people with special needs in Florida. In its short history, The Florida Supportive Housing Coalition has placed great emphasis on coalition building. In part a “coalition of coalitions”, it has eight Partner Organizations that share common goals and are working together to achieve them. It has also brought together supportive housing advocates, consumers of supportive housing and organizations serving different populations who confront the same supportive housing challenges.

Housing Solutions

Special Needs

Special Needs
“Over forty-five leading organizations, providers and advocates of housing and services in Florida....”

Strategic Plans

Strategic Plans
“Increasing the provision of quality affordable and universally accessible supportive housing....”

Grants.gov

Find and Apply for Federal Financial Assistance Grants
Grants.gov was established as a governmental resource named the E-Grants Initiative, part of the President's 2002 Fiscal Year Management Agenda to improve government services to the public. The concept has its origins in the Federal Financial Assistance Management Improvement Act of 1999, also known as Public Law 106-107. Public Law 106-107 has since sunset and is now known as the Grants Policy Committee.

The web site is managed by the U.S. Department of Health and Human Services and is a central storehouse for information on over 1,000 grant programs providing access to approximately $500 billion in annual awards. The initiative is partnered with many federal agencies to help communities and improve government services to the public.

E-Grants Initiative

Find and Apply

Find and Apply
“A source to find and apply for grants that is having an unparalleled impact on the local community...”

Grants Online

Grants Online
“Always striving to improve the effectiveness of Federal government grant financial assistance programs...”

Housing and Urban Development

Florida Department of Housing and Urban Development - HUD
HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination; and transform the way HUD does business.

HUD awards grants to organizations and groups for a variety of purposes. Working with local nonprofit organizations to invest in their communities through property rehabilitation and resell to first time home buyers and low to moderate income families.

Strategic Plan

HUD's Mission

HUD's Mission
“Tackling the economic, financial, and community development issues of the current environment....”

Open Initiative

Open Initiative
“Implementation of transparency, participation, and collaboration that form the cornerstone....”

Affordable Housing Coalition

Support for the need for affordable housing in Florida
The Affordable Housing Coalition of Florida is a partnership of both non-profit and for profit community based organizations. We serve as a catalyst for the development of affordable housing options for our state’s diverse workforce.

The Coalition is a member-led effort, which recognizes the link between housing availability and Florida’s economic vitality. Working to educate the public and policymakers about the need for a balanced supply of housing, advocacy for a streamlined regulatory environment, and supporting developers committed to creating quality housing to low and moderate income families in Florida. The Coalition's combined efforts help stimulate the approval and construction of a significant number of units that might not otherwise be built.

Housing Options

AHCF Goals

AHCF Goals
“Collaboration with regional and statewide groups that promote workforce and affordable housing...”

Smart Growth

Smart Growth
“Public outreach/advocacy efforts on housing’s impact on economic vitality and promoting best practices...”