City of West Park · New Construction Closing
Annual Report · Fiscal Year 2025
Twenty Years.
One generation
at a time.
Two decades of HUD-approved housing counseling, financial education, and community partnership — building affordable, sustainable homeownership across South Florida and the Carolinas.
2,544
Individuals & Families
Served in FY 2025
Served in FY 2025
1,878
Pre-Purchase Workshop
Graduates
Graduates
40
Households Purchased
a Home
a Home
96%
Low- to Moderate-
Income Households
Income Households
SCROLL ↓
What's Inside
A year in review.
A year of impact in fourteen sections — from our leadership letter and recognition of Board Chair Chester A. Bishop, through the strategic priorities setting up FY 2026.
01Letter from Leadership→
02Mission, Vision & Values→
03Organizational History→
04Board & Leadership→
04bRecognition · Chester A. Bishop→
05The Housing Challenge→
06Programs & Services→
07Communities Served→
08Community Impact→
09Client Stories→
10Partnerships & Supporters→
11Looking Ahead→
12Financial Overview→
13Fair Housing Commitment→
14Contact & Acknowledgments→
01 — Leadership
A message from our Executive Director.
A safe, stable home is where families grow, where children learn, and where generational wealth begins. For twenty years, that's what we've been working to build — one household at a time.
Dear Partners, Board Members, and Valued Clients,
It is with deep gratitude that I present the Housing Foundation of America Fiscal Year 2025 Annual Report. This document reflects the dedication of our counselors, the trust of the communities we serve, and the steady power of housing counseling to change lives.
In FY 2025, our six HUD-approved sub-agencies served 2,544 individuals and families across South Florida and North Carolina. 1,878 graduated from our 8-hour Pre-Purchase Homebuyer Education workshops. 614 households sat for one-on-one counseling — and every one of them walked away with a personalized budget, a clear understanding of their fair housing rights, and access to the resources they needed to move forward.
Behind those numbers are real milestones: 40 households purchased a home, 63 seniors obtained a HECM reverse mortgage on terms they understood, and 40 families prevented a foreclosure. We deepened our HECM partner work, advanced our role alongside the City of Miramar on the ParcView at Miramar homeownership development, and continued fueling the pipeline for Broward County's reinvigorated Homebuyer Purchase Assistance funding.
As we look to FY 2026, we remain committed to our founding principle: achieving affordable, sustainable homeownership through financial education — one generation at a time.
With purpose and gratitude,
Jeremy Montanti
Executive Director · Housing Foundation of America
02 — Who We Are
Mission, vision, and the values that guide every counseling session.
Our Mission
Attainable housing for every family.
To address the needs of individuals and families as it pertains to attainable housing — strengthening the relationship between homeowners, potential homeowners, and the community by partnering with public and private organizations to disseminate timely, useful information through educational programs, outreach, and counseling, with an emphasis on low- to moderate-income households.
Our Vision
One generation at a time.
Achieving affordable, sustainable homeownership through financial education — one generation at a time. We measure success not just in homes purchased, but in the wealth-building, stability, and possibility we help unlock for the next generation of homeowners.
Our Values
What we stand on.
- Financial empowerment through education
- Equity and Fair Housing
- Community collaboration
- Accountability and quality service
03 — Our History
Twenty years of showing up for families.
From a single Broward County office to a six-location, multi-state HUD-approved counseling organization — our footprint has grown alongside the families who trusted us.
2005
Founded in Broward County, Florida
Housing Foundation of America is established as a 501(c)(3) nonprofit to serve first-time homebuyers and distressed homeowners in South Florida.
2006
HUD-approved housing counseling agency
HFA earns U.S. Department of Housing and Urban Development approval as a local housing counseling agency, opening the door to federal funding and the National Industry Standards.
2015
Miami office opens
Expanded direct counseling capacity into Miami-Dade County to meet rising demand among Hispanic and Caribbean homebuyer populations.
2016
Lauderhill & Lake Worth offices launch
Two new branch locations expanded HFA's reach into the heart of Broward County's working-class corridors and into Palm Beach County.
2018
Greensboro, North Carolina opens
HFA crosses state lines, becoming a multi-state organization with HUD-approved counseling now serving Guilford, Mecklenburg, Forsyth, and Wake Counties.
2023
Fort Lauderdale headquarters expansion
A sixth sub-agency comes online to support the renewed demand for homebuyer education and foreclosure prevention counseling post-pandemic.
2025
Two decades of impact & the year ahead
FY 2025 closes our twentieth year — over 40,000 individuals served since inception, 7,500+ households into sustainable homeownership, and a fresh slate of priorities for our third decade.
Since Inception
40K+
Individuals and families served since 2005 — and 7,500+ households moved into sustainable, affordable homeownership through our counseling.
Twenty years isn't a milestone. It's a measurement. A measurement of every Friday workshop, every closing-day call, every credit-score breakthrough — multiplied by 7,500 families.
— HFA · Two decades of community counseling
04 — Leadership & Governance
The team behind every household.
Our board and staff bring deep community ties, financial expertise, and lived experience to the work.
Board of Directors
Chester A. Bishop
Board Chair · Founding Member
Cathy Albamonte
Treasurer
Beverly Kirton-Smith
Secretary
Amy Robbins
Director
Ann Taylor
Director
Derricka Chung-Fobbs
Director
Jamila Dawson
Director
Michael Coles
Director
Michelle Edwards-Collie
Director
Patrick Eichholtz
Director
Staff & Branch Managers
Jeremy Montanti
Executive Director
Camila Franceda, Esq.
Branch Manager & Director of Housing
Alexa Severino
Branch Manager
Enith Jaimes
Branch Manager
Helen Copeland
Branch Manager
Jesse Gathewright
Branch Manager
Marilyn Gallington
Branch Manager
Nancy Desravins
Executive Assistant
Danielle Domond
Marketing Coordinator
Amia Mcclary
HFA Ambassador
04b — Recognition
Congratulations, Chester A. Bishop.
Honored for a lifetime of service that extends well beyond the boardroom — and that continues to shape every household HFA reaches.
2026 Community Impact Award
Ricky E. Wiggins Scholarship & Awards Foundation
On March 28, 2026 in Hallandale Beach, Florida, HFA Board Chair Chester A. Bishop was recognized with the Community Impact Award by the Ricky E. Wiggins Scholarship & Awards Foundation — an honor reserved for leaders whose work has measurably strengthened their community.
Mr. Bishop has spent his career investing in others — through collaboration, advocacy, and a steady belief in the power of attainable homeownership. The award recognizes that breadth of impact, and the families across South Florida who are better off because of his leadership.
2026
Award Year
Mar 28
Ceremony
Hallandale
Beach, FL
From all of us at the Housing Foundation of America — thank you, Chester. The honor is shared by every family your leadership has helped reach a doorstep.
05 — The Context
South Florida's housing challenge.
National and regional research confirms that housing affordability has direct implications for health, financial stability, and quality of life. The tri-county region of Miami-Dade, Broward, and Palm Beach Counties remains among the least affordable metros in the world.
6 in 10
Employed adults in the tri-county region are housing cost-burdened — spending more than 30% of income on housing.
$409K
Median home value across Miami-Dade, Broward & Palm Beach
$2,495
Median monthly rent — pricing low-income service workers out of their own communities
<30%
The HUD threshold below which housing is considered "affordable"
Low-income service workers — who make up more than half of the workforce — experience the greatest housing burden, limiting access to health care, nutrition, and savings. HFA's counseling programs are designed to bridge that affordability gap.
08 — Community Impact
FY 2025 impact at a glance.
Every number below comes directly from HFA's HUD-9902 Q4 FY 2025 filing — covering all six of our sub-agencies and reflecting only Housing Foundation of America's verified, agency-level outcomes.
FY 2025 · The headline numbers
Households served & lives changed
2,544
Total individuals & households served across all program activities
1,930
Households received group education services
614
Households received one-on-one housing counseling
3,541
Total measurable counseling outcomes recorded
The HFA journey, end-to-end.
From outreach to closing — how 2,544 individuals moved through the FY 2025 counseling pipeline.
Reached
2,544
Total individuals & households touched across all program activities
Educated
1,930
Completed a group education service — workshops & financial literacy
Counseled
614
Received one-on-one counseling, a personalized budget & an action plan
Outcomes
143
Closed home purchases (40), HECMs (63), foreclosures prevented (40)
Key counseling outcomes
40
Households purchased a home after pre-purchase counseling
63
Households obtained a Home Equity Conversion Mortgage (HECM)
40
Households prevented or resolved a forward mortgage default
27
Post-purchase households improved home conditions or affordability
614
Personalized client budgets developed by HFA counselors
614
Households received fair housing & fair lending information
614
Households improved financial capacity (savings, credit, debt)
504
Households connected to non-housing resources (legal, public benefits, social services)
Workshops & education delivered
Source: Housing Foundation of America HUD Form 9902, Quarter 4 Fiscal Year 2025 (10/01/2024 – 09/30/2025). Agency ID 90506. All 6 of 6 sub-agencies reporting. Numbers reflect HFA-only activity, not aggregated multi-agency data.
06 — Programs & Services
Seven programs. One household at a time.
Every HFA service is built around a HUD-approved counseling framework — combining group education, one-on-one sessions, and follow-through that meets families where they are.
01
Pre-Purchase Homebuyer Education
Our flagship program: an 8-hour, HUD-approved First-Time Homebuyer Education workshop running multiple times each month — in-person, on Zoom, in English and Spanish. Participants leave with a certificate of completion required for nearly every down payment and purchase assistance program in Florida and North Carolina.
Curriculum covers credit and money management, the mortgage process, working with realtors, Fair Housing law, home inspection and closing, and a working knowledge of the down payment assistance programs available in their county.
1,878
Workshop Graduates
8 hrs
HUD-Approved Curriculum
EN / ES
Bilingual Delivery
02
One-on-One Pre-Purchase Counseling
For households ready to take the next step, HFA's certified counselors deliver private one-on-one sessions to address credit issues, develop personal action plans, build budgets, run affordability analyses, and translate fair-housing rights into real-world decision-making power.
Income verification is automated through CounselorMax. Clients are matched directly with city, county, and state down payment assistance programs — and stay connected to their counselor through closing and beyond.
376
One-on-One Pre-Purchase Sessions
40
Home Purchases Closed
$50K
DPA Available per Buyer
EN / ES
Bilingual Delivery
03
HECM / Reverse Mortgage Counseling
HFA is an independent, HUD-approved HECM counseling agency. Seniors considering a reverse mortgage receive thorough 60–90 minute sessions — covering reverse mortgage costs, alternatives, financial obligations (taxes, insurance, upkeep), impacts on heirs and the estate, and borrower rights under the HECM program.
Sessions are available by phone in English and Spanish. As an independent third party, HFA satisfies FHA's mandatory HECM counseling requirement — protecting the integrity of every transaction without offering referral incentives. HFA also runs a weekly Reverse Mortgage Basics Zoom workshop every Friday at 11:00 AM, open to seniors, families, and lender partners.
135
HECM Counseling Sessions
63
Households Obtained HECM
Fri 11 AM
Weekly Zoom Workshop
EN / ES
Bilingual Delivery
04
Foreclosure & Mortgage Default Prevention
When a family faces the prospect of losing their home, HFA's counselors step in with urgency, expertise, and compassion. We start with a comprehensive financial assessment, then advocate directly with mortgage servicers — coaching clients through every available loss mitigation option: forbearance, repayment plans, modifications, short sales, and deed-in-lieu arrangements.
For Florida households, our team coordinates closely with state hardship funds and local emergency rental assistance.
44
Forward Delinquency Cases
40
Defaults Prevented or Resolved
4
Loan Modifications Held Current
EN / ES
Bilingual Delivery
05
Down Payment Assistance & New Construction
HFA actively curates and matches families with city, county, state, and federal down payment assistance programs — up to $50,000 toward down payment and closing costs, plus up to $30,000 for home rehabilitation. Our Census Tract GeoMap, Property Listings, and Client Portal make matching transparent and self-serve.
HFA also partners with the Minority Builders Coalition and developers like ParcView at Miramar — channeling counseling clients into purpose-built, affordable new-construction homes.
$50K
Max DPA per Buyer
12+
Counties with Active DPA Pipelines
ParcView
Featured New Construction Partner
EN / ES
Bilingual Delivery
06
H2H Homebuyers Club
The H2H (Home-to-Home) Club is HFA's ongoing community for clients between workshop and closing — a place to ask questions, get peer accountability, and stay current on lender programs, market shifts, and DPA updates.
Members re-learn budgeting, savings, and credit habits — and qualify for loan and forgivable-grant subsidies that can reduce the cost of a home by up to $60,000. The butterfly metamorphosis is the metaphor: a homeowner emerges, then reaches back to help others through the same struggle.
Hybrid
Virtual & In-Person
Open
Monthly Cohort Enrollment
$60K
Potential Subsidy Savings
EN / ES
Bilingual Delivery
07
Post-Purchase Home Maintenance Counseling & Workshops
Closing day isn't the finish line — it's the starting block. HFA's post-purchase program helps new homeowners protect the asset they just acquired through ongoing one-on-one counseling and group workshops covering home maintenance, household budgeting, insurance and tax management, emergency funds, and avoiding default before it starts.
From quarterly upkeep checklists to navigating major repairs and refinancing decisions, HFA equips homeowners to keep their home — and their equity — for the long haul.
57
Non-Delinquency Post-Purchase Sessions
EN / ES
Bilingual Delivery
Ongoing
Counseling Beyond Closing
The dream of homeownership is not a luxury — it is a foundation. A safe, stable home is where families grow, where children learn, and where generational wealth begins.
— Housing Foundation of America
06b — Workshops & Events
A full calendar of doors opening.
HFA runs HUD-certified Zoom workshops nearly every week — homebuyer education, reverse mortgage basics, and in-person H2H Homebuyers' Club meetings — in English and Spanish, all free, all designed to fit a working family's schedule.
A snapshot of upcoming sessions
Selected upcoming workshops
May 12026
Reverse Mortgage Basics
HUD-Certified Zoom · 11:00 AM
VIRTUAL
May 22026
Homebuyer Workshop · Lauderhill / Miramar / West Park
HUD-Certified Zoom · 10:00 AM
VIRTUAL
May 82026
Reverse Mortgage Basics
HUD-Certified Zoom · 11:00 AM
VIRTUAL
May 132026
H2H Homebuyers' Club Meeting
Fort Lauderdale Housing Authority · 6:00 PM
IN-PERSON
May 162026
Homebuyer Workshop · Raleigh / Durham, NC
HUD-Certified Zoom · 10:00 AM
VIRTUAL
June 102026
H2H Homebuyers' Club Meeting
Fort Lauderdale Housing Authority · 6:00 PM
IN-PERSON
Live calendar — see homeapproved.org/upcoming-events and the H2H 2026 Calendar on the Homebuyers' Club page.
Featured Program
H2H Homebuyers' Club
From homeless to homeowner. From hopeless to hope-filled. A signature HFA program included in the Broward County Housing Council's 10-Year Plan to End Homelessness.
Members re-learn budgeting, savings, and credit habits — and qualify for loan and forgivable-grant subsidies that can reduce the cost of a home by up to $60,000.
The butterfly metamorphosis is the metaphor — a homeowner emerges, then reaches back to help others through the same struggle.
Live + Virtual
Hybrid format
$60K
Max subsidy per buyer
In-Person H2H Returns
After fully virtual programming during the pandemic, HFA returned to in-person H2H meetings at Fort Lauderdale Housing Authority — a homecoming for one of the region's longest-running homebuyer support communities.
06c — Innovation & Technology
High-touch counseling, modern tools.
HFA's counselors do their best work face-to-face — but the supporting tech makes that work scale. Every client who walks into an HFA workshop is plugged into a stack of platforms designed to make the homebuying journey transparent, mobile-first, and self-serve where it matters.
Housing Foundation Home Search App
Mobile home-search tool powered by Homestack — clients browse listings, save favorites, and connect to HFA counselors directly from their phone.
Thryv Online Scheduling
Self-serve appointment booking for HUD certificate consultations — clients schedule a free counselor session in under a minute.
go.thryv.com
Client Portal & DPA Alerts
Sign-up portal for real-time down payment assistance alerts — when a county opens a new program, every qualified HFA client knows that day.
homeapproved.org/Client-Portal
Census Tract GeoMap
Interactive geo-mapping tool that shows which census tracts qualify for which DPA programs — critical for matching first-time buyers to the right product.
Map · 12 counties
Property Listings & New Construction
Curated for-sale inventory — including Minority Builders Coalition new construction and partner developments like ParcView at Miramar.
Live inventory
eHome America & Framework
Two HUD-approved online homebuyer education tracks for clients who can't make a live workshop — fully self-paced, certificate-issuing.
Self-paced
CounselorMax Intake
HFA's secure client management system — automates income verification, tracks counseling outcomes, and feeds the HUD-9902 in real time.
HUD CMS · automated
HFA Podcast
A long-running podcast on Buzzsprout breaking down credit, mortgage products, and DPA programs into 20-minute episodes you can listen to on the commute.
buzzsprout.com
From the HFA Blog · Recent Posts
Financial literacy & DPA, made simple.
Mar 18, 2026
Free Financial Literacy & First-Time Homebuyer Workshop
Mar 20, 2026
Broward County HPA Funding Is Back — Bigger Than Ever
Mar 9, 2026
Palm Beach County's Homebuyer Match Pilot Program
Mar 24, 2026
HFA Joins the City of Miramar Resource Fair & Food Distribution
Read the full archive at homeapproved.org/blog.
07 — Communities Served
Who we serve, and where.
HFA's six sub-agencies serve a multi-state, multi-county footprint anchored in South Florida and Central North Carolina — with 96% of households below 80% Area Median Income.
Income Levels — All FY 2025 Households
< 30% AMI149 · 5.9%
30 – 49% AMI823 · 32.4%
50 – 79% AMI1,470 · 57.8%
80 – 100% AMI58 · 2.3%
> 100% AMI44 · 1.7%
96% of HFA households are low- to moderate-income (≤80% AMI). LMI defined as ≤80% Area Median Income, automated via CounselorMax.
Race & Ethnicity — All FY 2025 Households
Of the 2,544 households served, 23.8% identified as Hispanic ethnicity (606 households).
HFA's Footprint · Florida & North Carolina
County served
Headquarters
Counties & States Served
FLORIDA · 5 counties
Broward
Miami-Dade
Palm Beach
St. Lucie
Martin
NORTH CAROLINA · 1 county
Greensboro (Guilford)
Other Demographics
FY 2025 totals across all 2,544 households. HFA serves clients in English & Spanish across all program lines.
09 — Client Stories
The families behind the numbers.
Every counseling outcome on the dashboard above is a story — a credit barrier broken, a foreclosure averted, a key in a family's hand for the first time. Here are a few from FY 2025.
First-Time Home Purchase · Broward County
"$25,000 toward my first home — because someone walked me through the process."
DPA Award · Hope Inc. Partnership
"Ten thousand dollars and a path forward I didn't know existed."
Habitat Key Moment · Greater Palm Beach County
"Just closed on my new home." A homeowner's manual in one hand. A new beginning in the other.
Construction in motion · ParcView at Miramar
Aerial site plan, the groundbreaking ceremony with HFA and community partners, and the signature entrance at sunset — a preview of the new community of for-sale townhomes rising on the former Wellman Field site in partnership with the City of Miramar and Broward County.
Renderings courtesy of the ParcView at Miramar development team. The project is an active development with site preparation, infrastructure, and vertical construction phases all in progress during FY 2025.
Construction in motion · Minority Builders Coalition
In partnership with the Minority Builders Coalition (MBC), HFA channels qualified counseling clients into newly built single-family homes across Fort Lauderdale — each priced for attainability and paired with up to $80,000 in purchase assistance.
1050 NW 29 Terrace · Ft. Lauderdale
3BR · 2BA · 2-Car Garage · All Premium Finishes
$439,000
2694 NW 15 Street · Ft. Lauderdale
3BR · 2BA · 2-Car Garage · All Premium Finishes
$439,000
Up to $80,000 in purchase assistance available. For more information, contact Nancy at 954-923-5001 · View all MBC listings
Construction in motion · Pompano Beach Townhomes
Brand-new construction townhomes coming to Pompano Beach in Spring 2026 — open-concept layouts, designer marble flooring, chef's kitchens with waterfall islands, spa-quality bathrooms, and private garages. HFA hosted a Brokers Open House on March 18, 2026 to put the homes in front of the realtors who'll match them with their next homeowner.
3 Bedroom · 2½ Bath
2-Car Garage
$560,000
2 Bedroom · 2½ Bath
1-Car Garage
$545,000
Located at 87 NW 15th Pl, Pompano Beach, FL. Brokers Open House held Wednesday, March 18, 2026 (10:30 AM – 1:00 PM). Buyers may qualify for up to $41,000 in down payment assistance. Read the announcement
Past developments · Delivered & occupied
A look at completed new-construction projects HFA has helped bring to market — homes that started as plans, ended as front doors, and are now occupied by South Florida families.
A representative sample of new-construction homes delivered through HFA's development partnerships across South Florida — from foundation to keys-in-hand.
Closing days & key moments
A few of the families HFA walked alongside in FY 2025 — from first-time buyers to homeowners marking the day they got the keys.
Photos: HFA closing-day celebrations and homebuyer education milestones, FY 2025.
10 — Partnerships & Supporters
Built with our community.
HFA's outcomes are made possible by a network of public agencies, financial institutions, foundations, builders, and community partners. We are honored to work alongside each of them.
Federal & National Affiliations
U.S. Department of HUD
FHA
Fannie Mae (Framework)
Nueva Esperanza, Inc.
Affiliate of Nueva Esperanza, Inc. — a national housing intermediary. Approved Adopter of the National Industry Standards for Homeownership Education and Counseling (NISHEC).
Government Partners — FL & NC
Broward County
Miami-Dade County
Palm Beach County
St. Lucie County
Martin County (SHIP)
Brevard County
Lee County
City of Miramar
City of Lauderhill
City of Tamarac
City of West Park
City of Orlando
Fort Lauderdale Housing Authority
South FL Regional Planning Council
Broward Affordable Housing Task Force, Inc.
Broward County Public Schools
Florida Hardest Hit Help
Guilford County, NC
Mecklenburg County, NC
Forsyth County, NC
Wake County, NC
Attorneys Title Partners, Inc.
Closing Attorneys Network
Real Estate Title Agents
Legal Aid Service of Broward County
Title & Closing Professionals
Attorneys, title agents, and closing professionals who guide HFA clients through every contract, lien check, and closing day.
Lender Partners
Truist Bank
Third Federal
City National Bank
Valley Bank
BankUnited
HSBC
Bank of America
Citibank
JP Morgan Chase
Wells Fargo
CDFIs & Community Banks
Visit homeapproved.org/lenders for the complete current participating-lender directory.
Foundation & Corporate Supporters
PNC Foundation
TD Charitable Foundation
Community Empowerment Group
Multi-year philanthropic relationships that fuel HFA's free workshops, counseling, and bilingual outreach.
Community Partners
The on-the-ground organizations who deliver housing alongside HFA — from new construction developers to legal aid networks to neighborhood non-profits.
Builders & Development Partners
Habitat for Humanity Greater Palm Beach
Minority Builders Coalition
ParcView at Miramar
New Construction Network
Down Payment Assistance Partners
Hope Inc.
Broward HPA Network
Family Success Administration Division
Hometown Heroes Florida
Education & Workshop Partners
eHome America
Framework (Fannie Mae)
Volunteer Realtors & Lenders
Volunteer Inspectors & Title Agents
The Collective & Affiliates
Attorneys Title Partners, Inc.
Local Realtor Associations
Local Lender Networks
Insurance & Financial Advisor Network
Title Agent Network
See The Collective & Affiliates for full lists.
In the field, with our partners
Building relationships with the alliances, councils, and community partners that move South Florida's housing agenda forward — from Realtist Week to the CRAF Summit, ribbon cuttings, key-handoff celebrations, and on-site partner visits across the region.
Featured: South Florida Community Land Trust ribbon cutting, NAREB Realtist Week, CRAF Summit 2025, Habitat for Humanity Greater Palm Beach Key Moment, and on-site visits with HFA partners and clients across South Florida.
A thank you to the professionals who power our workshops — realtors, mortgage lenders, home inspectors, insurance agents, financial advisors, title agents — and the educators, donors, advocates, volunteers, who make every counseling session possible.
11 — Looking Ahead
FY 2026 strategic priorities.
Building on the momentum of FY 2025, HFA has set seven priorities to guide program development, partnership investment, and community outreach in our third decade.
01
Grow the HECM / Reverse Mortgage Practice
Build out HFA's bilingual reverse mortgage counseling capacity — adding lender partner clinics, family-of-borrower briefings, and broader Spanish-language access — to meet rising HECM demand across the Florida senior market.
02
Activate ParcView at Miramar
Move from infrastructure to vertical construction at ParcView at Miramar in partnership with the City of Miramar and Broward County — channeling pre-qualified HFA clients into reserved townhomes with aligned buyer assistance.
03
Capture Broward HPA Funding
With Broward County's Homebuyer Purchase Assistance funding back at higher levels than ever, we'll deepen our DPA matching, accelerate workshop frequency, and expand bilingual one-on-one capacity to convert more counseling clients into closed buyers.
04
Strengthen the North Carolina Footprint
Deepen counseling capacity in Guilford, Mecklenburg, Forsyth, and Wake Counties — building on the multi-state foundation laid in 2018 to better serve the rapidly growing Carolinas housing market.
05
Educate Through Storytelling & Modern Marketing
Educate the community through engaging social posts, modern technology, and strong brand storytelling — meeting first-time buyers where they already are. We'll invest in fresh branding, a refreshed website, the HFA Podcast, and consistent content across Facebook, Instagram, LinkedIn, X, and YouTube — turning every workshop, success story, and DPA update into marketing that drives families toward homeownership before costly mistakes are made.
06
Increase Workshop Volume & Variety
Expand the calendar and curriculum to meet new HUD guidelines — adding more frequent Pre-Purchase, Reverse Mortgage Basics, Post-Purchase Maintenance, Financial Literacy, and bilingual workshops. The goal: broader access, more topics, and a wider on-ramp for every household navigating the path to homeownership.
07
Modernize Technology, Security & AI Ethics
Upgrade software, hardware, and information-security practices to meet evolving technological standards — and adopt clear AI ethics guidelines to govern how new tools are used in counseling, education, and client communication. Stronger systems, safer client data, responsible AI.
12 — Financial Overview
A budget built for impact.
HFA maintains rigorous financial stewardship — channeling the maximum share of every dollar into client services and community impact. The summary below reflects FY 2025 budget data and the agency's long-running 90/10/0 cost ratio.
Funding Snapshot
FY 2025
% of Total
Total Operating Budget (All Sources)
$813,564
100%
HUD Comprehensive Counseling Grant (FY 2024-1)
$192,522
23.7%
State, County & City Contracts
~$420K
~52%
Private Foundation & Corporate Grants
~$130K
~16%
Counseling Service Fees & Other Income
~$70K
~9%
HUD funding figure reported on HFA's Form 9902 Q4 FY 2025. Non-HUD sources are estimated proportional allocations from total operating budget; final audited financials available on request.
Where every dollar goes
FY 2025 administrative efficiency
Program Services & Counseling
90%
Administration & Management
10%
Fundraising
0%
90¢
of every dollar HFA receives goes directly to program services and counseling delivery — with 10% administrative overhead and 0% fundraising cost.
Sustainability model
90/10/0
Program · Admin · Fundraising cost ratio
Multi-yr
Federal & municipal funding agreements
Public+Private
Diversified public-private revenue mix
Generational
Wealth-building, health & intergenerational impact focus
13 — Fair Housing
A strong advocate for the Fair Housing Act.
Housing Foundation of America does not discriminate based on race, color, national origin, religion, gender, family status, or disability. Fair Housing education is embedded in every program — and every one of our 614 one-on-one counseling clients in FY 2025 left their session with information on fair housing, fair lending, and accessibility rights.
14 — Connect with us
Let's keep building, together.
Headquarters
Housing Foundation of America, Inc.
2400 N. University Drive, Suite 200
Pembroke Pines, FL 33024
Primary Contact
Jeremy Montanti, Executive Director
954-923-5001
hfatoday@gmail.com
Stay connected
Workshops, blog posts, podcast episodes, and the latest down payment assistance news — all at homeapproved.org.
Follow us on Facebook, Instagram, X, LinkedIn, YouTube, and the HFA Podcast for updates between newsletters.
Donate
Every gift fuels a counseling session, a workshop seat, a path to a closing day. Donate at paypal.com/donate.
Thank you to our donors, partners, volunteers, and community members who make affordable homeownership possible — one generation at a time.