AFFORDABLE HOMEOWNERSHIP FOUNDATION INC

Changing Lives One At A Time

aka AHF   |   Fort Myers, FL   |  www.affordablehomeownershipfoundationinc.org

Mission

Our mission is to help the economically vulnerable veterans, seniors, youth aging out of foster care, disabled and homeless individuals in the very low, low to moderate income area of our region achieve financial literacy, attain housing stability and or homeownership, participate in the American dream, and contribute to more stable, vital neighborhoods. To create this transition, we offer advocacy, education, counseling, and work to increase the availability of safe, decent, affordable housing opportunities. We serve the whole state of Florida with a concentration in Lee, Collier, Hendry, Charlotte, Manatee, Glades, Sarasota, Orange and Hillsbourgh, Miami Dade, and Munroe Counties.

Notes from the nonprofit

What we do in the communities we serve changes lives. Financial Literacy through the programs that we offer, build strong communities and change how families and individuals live. Helping Veterans prevent becoming homeless is one of our main goals and seeing how it can make a difference in their lives after serving our country makes us proud to do what we do.

Ruling year info

2012

CEO

Lois M Healy

Main address

5264 Clayton Court Suite 1

Fort Myers, FL 33907 USA

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EIN

65-1046928

NTEE code info

Community, Neighborhood Development, Improvement (S20)

Housing Expense Reduction Support, Rent Assistance (L82)

Housing Development, Construction, Management (L20)

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

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Communication

Programs and results

What we aim to solve

SOURCE: Self-reported by organization

The biggest problem we face is the lack of affordable housing for families and individuals that are 30-50% of AMI and that are Seniors, individuals with disabilities, Veterans, and Youth Aging out of Foster Care. All of these individuals are on a limited fixed income and rents in our are start at $1,000-$1,200 and the average person on a fixed income makes between $750 to $1,300 thus creating a huge issue when it comes to being able to find an affordable safe place to live. Our goal is to try and build as much affordable housing that we can on scattered lots so that we can address this issue and help house as many people that we can.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

First Time Homebuyer

Classes to educate families & Individuals wanting to become a Homebuyer. The classes go over all aspects of home ownership and how to maintain a budget while keeping your credit in order.

Population(s) Served
Adults

We Educate clients that walking away from their homes is not an option. We work with the clients to try to save their homes if it is able to be saved and if not we help them Short Sale their homes so they don't have a foreclosure on their credit record. We then transition them into a Rental Scenario working with them on their credit and budget skills in hopes that they will be able to purchase again soon.

Population(s) Served
Adults

We renovate and repair donated homes and fix them up for our Veterans so that no Veteran is homeless

Population(s) Served
Veterans

We work to with clients on their credit analysis to help them better understand what challenges need to be overcome to reach their financial goals. Once a whole financial picture is established we then help the client develop a workable budget to get them back on track to a better financial future.

Population(s) Served
Adults

Developing affordable, safe housing for seniors and people with disabilities on a fixed income

Population(s) Served
Adults

Affordable housing developed for Housing for Economically Challenged Veterans, Seniors, Disabled and other consumers

Population(s) Served
People with physical disabilities
People with disabilities

Our youth aging out of foster care feel like they have been discarded. They have not been taught the skills necessary to be able to survive after foster care and are generally lost and need guidance. Our program prepares them for being an adult through using mentors to help them develop goals and a plan for what life holds ahead. We are certified financial coaches and counselors so we work with each youth to develop a budget and help to find a job so that they can survive.

Population(s) Served
At-risk youth
Non-adult children

What Is Financial Literacy? Financial literacy is the confluence of financial, credit and debt management and the knowledge that is necessary to make financially responsible decisions – decisions that are integral to our everyday lives. Financial literacy includes understanding how a checking account works, what using a credit card really means, and how to avoid debt. In sum, financial literacy impacts the daily issues an average family makes when trying to balance a budget, buy a home, fund the children’s education and ensure an income at retirement. Financial Literacy Counseling and Coaching The post-recession economy has left many people uncertain about their financial future, wondering how they will pay for their children’s education, buy a home or plan for their retirement. Financial coaching offers AHF an additional tool, beyond the education work we are already are doing, to help clients develop the skills they need to adopt healthy, long-term financial habits, make sound decisions, and build and preserve their assets over their lifetimes. Financial coaching recognizes that changing personal financial habits can be very difficult, in the same way it is difficult to change eating, exercise or other lifestyle habits that may be getting in the way of long-term health. People may be aware of the types of changes that need to be made, but incorporating these changes into one’s daily life can be daunting. Our coaches work with clients to help them understand and clearly define their personal financial goals and develop concrete, actionable strategies to achieve them. In this way, coaching puts clients in the driver’s seat. The coach provides guidance, supportive resources and accountability for working towards these goals.

Population(s) Served
Adults
People with physical disabilities

AHF is in the process of building Affordable Housing Units for Veterans, Seniors, Individuals with Disabilities and Youth Aging Out of Foster Care. The average rent in our area starts at $1,000-$1,200 per unit and the average person on Social Security Disability or Social Security ranges from $750-$1300. These individuals are being priced out of the market, with our Affordable Housing we use Government Grants to offset the cost of building so we are able to house a very low, & low income person for about $350 including utilities. This program keeps vulnerable individuals housed and safe.

Population(s) Served
People with disabilities
Veterans

Where we work

Accreditations

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certification 2013

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certification 2014

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certification 2015

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certification 2016

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certification 2017

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certification 2018

United States Department of Housing and Urban Development (HUD) - Housing Counseling Agency Certific 2019

United States Department of Housing and Urban Development (HUD) Housing Agency Certification 2020

United States Department of Housing and Urban Development (HUD) Housing Agency Certification 2021

Affiliations & memberships

National Coalition of Homeless Veterans 2015

National Foreclosure Mitigation Counseling (NFMC) 2015

National Coalition of Homeless Veterans 2014

National Coalition of Homeless Veterans 2016

National Coalition of Homeless Veterans 2017

National Coalition of Homeless Veterans 2018

National Coalition of Homeless Veterans 2019

NCRC 2019

National Coalition of Homeless Veterans 2020

NCRC 2020

FLACDC 2020

NHLC 2020

FLACDC 2019

NHLC 2019

Florida Housing Coalition 2020

NLIHC 2020

NCRC 2020

FLACDC 2020

National Coalition of Homeless Veterans 2020

Our results

SOURCE: Self-reported by organization

How does this organization measure their results? It's a hard question but an important one.

Number of financial literacy courses conducted

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Related Program

Credit & Budget Counseling

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of participants counseled

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults

Related Program

Housing for Econmically Challeged Veterans, Seniors, Disabled and other consumers

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Context Notes

Last year we had Hurricane Irma business was down considerably due to the storm. This is a total based on all programs.

Number of volunteers

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults

Related Program

Veterans Housing

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of clients who attain economic stability within two years of training

This metric is no longer tracked.
Totals By Year
Population(s) Served

Families, Age groups, Veterans, Seniors, People with disabilities

Related Program

Foreclosure Prevention/ Modification/Short Sale Help

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Context Notes

We have been able to see the difference in client's lives who thought they had no options due to becoming behind on their mortgages. This program changes lives.

Number of participants that follow counseling recommendations

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults

Related Program

First Time Homebuyer

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Context Notes

Clients that follow the recommendations of our counseling and coaching end up in their own home, which is quite exciting & makes a difference in their lives .

Number of clients reporting increased knowledge after educational programs

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Seniors, Veterans

Related Program

Housing for Econmically Challeged Veterans, Seniors, Disabled and other consumers

Type of Metric

Outcome - describing the effects on people or issues

Direction of Success

Increasing

Context Notes

We have continued success with individuals receiving financial capabilities counseling/coaching it is inspiring to see we have made a difference in a clients life through our counseling & coaching.

Number of phone calls/inquiries

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Veterans

Related Program

Housing for Econmically Challeged Veterans, Seniors, Disabled and other consumers

Type of Metric

Input - describing resources we use

Direction of Success

Increasing

Context Notes

Since the CEO and Board members are made up of Veterans we receive many calls for help for Veterans in need. In addition Seniors and at risk youth also call in looking for assistance.

Number of organizational partners

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Seniors

Related Program

Foreclosure Prevention/ Modification/Short Sale Help

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Total dollars received in contributions

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Homeless people, Veterans

Related Program

Veterans Housing

Type of Metric

Input - describing resources we use

Direction of Success

Increasing

Context Notes

Contributions were a combination of grants, donations and program income.

Number of hours of coaching

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Related Program

Financial Capabilities Counseling/Coaching

Type of Metric

Outcome - describing the effects on people or issues

Direction of Success

Increasing

Number of one-on-one coaching sessions

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of savings accounts used by clients

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Related Program

Financial Capabilities Counseling/Coaching

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of borrowers served through the nonprofit's programs

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Related Program

Financial Capabilities Counseling/Coaching

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of public events held to further mission

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults

Related Program

Housing for Econmically Challeged Veterans, Seniors, Disabled and other consumers

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of industry standards/practices developed by nonprofit

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of clients who complete job skills training

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults, Women and girls, Men and boys

Related Program

Financial Capabilities Counseling/Coaching

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of clients placed

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults

Related Program

Housing for Econmically Challeged Veterans, Seniors, Disabled and other consumers

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of clients served

This metric is no longer tracked.
Totals By Year
Population(s) Served

Adults

Related Program

Housing for Disabled & Seniors

Type of Metric

Input - describing resources we use

Direction of Success

Increasing

Number of customers reporting satisfaction with program

This metric is no longer tracked.
Totals By Year
Related Program

Foreclosure Prevention/ Modification/Short Sale Help

Type of Metric

Outcome - describing the effects on people or issues

Direction of Success

Increasing

Our Sustainable Development Goals

SOURCE: Self-reported by organization

Learn more about Sustainable Development Goals.

Goals & Strategy

SOURCE: Self-reported by organization

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

1.) Teach Financial Literacy to help to Stabilize communities
2.) Eliminate Homelessness For Veterans
3.) Develop Safe Affordable Rentals for Families and Individuals
4.) Develop Safe Affordable Homes For Purchase for Families and Individuals
5.) Work with clients to prevent Foreclosure
6.) Financial Coaching
7.) Work with clients to get them Mortgage Ready

1.) Work with Veterans Groups to establish a clientele group and to determine need.
2.) Work with College and high school students as the graduate to start the financial Literacy training necessary to make them financially independent
3.) Work with Financial Institutions to let them know the services we offer and how clients can access those services
4.) Work with single parents groups to get them involved in financial literacy and get them on the path to home ownership
5.) Work with minorities and the aging to also to get them involved in financial literacy and get them on the path to homeownership

We have partnered with Center for Independent Living Gulf Coast, Lee County Human & Veterans Services, Mission United, Goodwill and are a member of the Continuum of Care and are a Nation Neighbors Silver Partner with NCRC to insure that we meet all of our goals. We have private investor business partners that are helping us build affordable housing for people with disabilities, Veterans, Seniors and Youth Aging out of Foster Care. We are increasing our staff to grow with our services and to handle the additional work load of clients that has increased due to the economy.

Since 2013 we have become HUD Certified & have established many programs to help clients such as:
Foreclosure Intervention & Default Counseling, Homeownership Counseling, Senior Services Counseling, Financial Capabilities Counseling
Financial Coaching, Rental, Assistance counseling & homeless assistance Counseling, will require checking in with clients quarterly & noting their progress after their counseling/coaching sessions have been completed to monitor their progress and helping them if they get off track, will require checking in with clients quarterly and noting their progress after their counseling/coaching sessions have been completed to monitor their progress and helping them if they get off track. We have refurbished & sold houses for Veterans and Seniors & are working on building affordable rental housing for Veterans, Seniors, Youth Aging out of Foster Care & people with disabilities.
We feel by reducing the home size & price Veterans with PTSD, Seniors & individuals with disabilities could live affordably and be able to save money & become successful members of their communities.

How we listen

SOURCE: Self-reported by organization

Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.

done We demonstrated a willingness to learn more by reviewing resources about feedback practice.
done We shared information about our current feedback practices.
  • Who are the people you serve with your mission?

    We serve very low, low and moderate income people with a focus on seniors, individuals with disabilities, Veterans and Youth that have aged out of the Foster Care System. These individuals are struggling to stay alive due rising rents, low income and the pandemic.

  • How is your organization collecting feedback from the people you serve?

    Electronic surveys (by email, tablet, etc.), Paper surveys, Focus groups or interviews (by phone or in person), Case management notes, Constituent (client or resident, etc.) advisory committees,

  • How is your organization using feedback from the people you serve?

    To identify and remedy poor client service experiences, To identify bright spots and enhance positive service experiences, To make fundamental changes to our programs and/or operations, To inform the development of new programs/projects, To identify where we are less inclusive or equitable across demographic groups, To strengthen relationships with the people we serve, To understand people's needs and how we can help them achieve their goals,

  • What significant change resulted from feedback?

    We offer first time Home buyer classes and we thought we did an exceptional job, however we were the provider of the information, after reviewing the class surveys we were able to change what information clients are looking for when purchasing a home instead of presenting what we thought they wanted to know.

  • With whom is the organization sharing feedback?

    The people we serve, Our staff, Our board, Our funders, Our community partners,

  • How has asking for feedback from the people you serve changed your relationship?

    By requesting feedback we are able to view the world through their lens which helps us understand the quality of care and counseling that is delivered. We have formed focus groups which also allows us to have additional insights into their world regarding housing, food, the ability to survive.

  • Which of the following feedback practices does your organization routinely carry out?

    We collect feedback from the people we serve at least annually, We take steps to get feedback from marginalized or under-represented people, We aim to collect feedback from as many people we serve as possible, We take steps to ensure people feel comfortable being honest with us, We look for patterns in feedback based on demographics (e.g., race, age, gender, etc.), We look for patterns in feedback based on people’s interactions with us (e.g., site, frequency of service, etc.), We engage the people who provide feedback in looking for ways we can improve in response, We act on the feedback we receive, We tell the people who gave us feedback how we acted on their feedback, We ask the people who gave us feedback how well they think we responded,

  • What challenges does the organization face when collecting feedback?

    It is difficult to get the people we serve to respond to requests for feedback, We don’t have the right technology to collect and aggregate feedback efficiently, It is difficult to find the ongoing funding to support feedback collection,

Financials

AFFORDABLE HOMEOWNERSHIP FOUNDATION INC
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Operations

The people, governance practices, and partners that make the organization tick.

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Connect with nonprofit leaders

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  • Analyze a variety of pre-calculated financial metrics
  • Access beautifully interactive analysis and comparison tools
  • Compare nonprofit financials to similar organizations

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AFFORDABLE HOMEOWNERSHIP FOUNDATION INC

Board of directors
as of 9/3/2021
SOURCE: Self-reported by organization
Board chair

Ms Mary Cinelli

Affordable Homeownership Foundation Inc

Term: 2018 - 2022

Howard Atkin

Howard Atkin & Associates

Garritt Pankratz

Retired

Brandon Jennings

Server

Darryl Clare

Retired Professor

Adam Rivas

UPS Supervisor

Gary Donabed

Synovus Regional Banking Manager

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

  • Board orientation and education
    Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
  • CEO oversight
    Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes
  • Ethics and transparency
    Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
  • Board composition
    Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
  • Board performance
    Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes

Organizational demographics

SOURCE: Self-reported; last updated 09/03/2021

Who works and leads organizations that serve our diverse communities? GuideStar partnered on this section with CHANGE Philanthropy and Equity in the Center.

Leadership

The organization's leader identifies as:

Race & ethnicity
White/Caucasian/European
Gender identity
Female, Not transgender (cisgender)
Sexual orientation
Heterosexual or Straight
Disability status
Person without a disability

Race & ethnicity

Gender identity

 

Sexual orientation

Disability

We do not display disability information for organizations with fewer than 15 staff.

Equity strategies

Last updated: 05/21/2021

Policies and practices developed in partnership with Equity in the Center, a project that works to shift mindsets, practices, and systems within the social sector to increase racial equity. Learn more

Data
  • We review compensation data across the organization (and by staff levels) to identify disparities by race.
  • We ask team members to identify racial disparities in their programs and / or portfolios.
  • We analyze disaggregated data and root causes of race disparities that impact the organization's programs, portfolios, and the populations served.
  • We disaggregate data to adjust programming goals to keep pace with changing needs of the communities we support.
  • We employ non-traditional ways of gathering feedback on programs and trainings, which may include interviews, roundtables, and external reviews with/by community stakeholders.
  • We disaggregate data by demographics, including race, in every policy and program measured.
  • We have long-term strategic plans and measurable goals for creating a culture such that one’s race identity has no influence on how they fare within the organization.
Policies and processes
  • We use a vetting process to identify vendors and partners that share our commitment to race equity.
  • We have a promotion process that anticipates and mitigates implicit and explicit biases about people of color serving in leadership positions.
  • We seek individuals from various race backgrounds for board and executive director/CEO positions within our organization.
  • We have community representation at the board level, either on the board itself or through a community advisory board.
  • We help senior leadership understand how to be inclusive leaders with learning approaches that emphasize reflection, iteration, and adaptability.
  • We measure and then disaggregate job satisfaction and retention data by race, function, level, and/or team.
  • We engage everyone, from the board to staff levels of the organization, in race equity work and ensure that individuals understand their roles in creating culture such that one’s race identity has no influence on how they fare within the organization.