HELP COMMUNITY DEVELOPMENT CORPORATION

As filed

Subsection

03

NTEE code

S31

Classification

1000

Street

63 E KENNEDY BLVD 100-B

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2025

• Pre- and Post-Purchase Homebuyer Education & Counseling: H.E.L.P. CDC provides HUD-approved pre- and post-purchase homebuyer education workshops and one-on-one counseling to low- and moderate-income individuals and families working toward sustainable, affordable homeownership in Central Florida. Pre-purchase services prepare clients for the homebuying process through mortgage readiness, credit building, household budgeting, understanding loan products, and navigation of down payment assistance programs. Post-purchase counseling supports homeowners after closing through financial management, home maintenance education, and non-delinquency support to protect their investment and sustain housing stability. During the fiscal year ending September 30, 2025, H.E.L.P. CDC served 516 households through group homebuyer education workshops and 139 households through individual pre-purchase counseling sessions a combined total of 655 pre-purchase client interactions. An additional 100 households received both one-on-one counseling and group education services. H.E.L.P. CDC's pre- and post-purchase program serves a racially, ethnically, and linguistically diverse client base, including a significant number of first-generation homebuyers, throughout the Orlando Metropolitan Statistical Area Orange, Seminole, Osceola, and Lake Counties and surrounding counties. To meet the needs of Central Florida's diverse communities, services are available in English, Spanish, and Haitian Creole. This program is supported by HUD Housing Counseling grant funds and NeighborWorks America.

  Expenses $244,165

• Foreclosure Intervention Counseling: H.E.L.P. CDC provides HUD-approved foreclosure intervention counseling to homeowners statewide across Florida who are facing mortgage delinquency, default, or the imminent threat of foreclosure. H.E.L.P. CDC's model is rooted in intervention not prevention because the agency recognizes that by the time most homeowners seek help, a financial hardship has already occurred. The agency's trained, HUD-certified housing counselors engage directly alongside the homeowner to assess the situation and pursue every available workout option with their mortgage servicer or lender. Services include a comprehensive review of the homeowner's income, expenses, and mortgage status; identification of options such as loan modifications, repayment plans, forbearance agreements, and short sales; preparation of required lender documentation; and direct communication support throughout the loss mitigation process. During the fiscal year ending September 30, 2025, H.E.L.P. CDC served 20 households facing forward mortgage delinquency or default and 2 households facing reverse mortgage delinquency or default. This program is supported by HUD Housing Counseling grant funds.

• Reverse Mortgage / HECM Counseling: H.E.L.P. CDC is a HUD-approved provider of Home Equity Conversion Mortgage (HECM) counseling commonly known as reverse mortgage counseling. Federal law requires that senior homeowners age 62 and older complete independent counseling with a HUD-approved agency before obtaining a reverse mortgage. As one of a limited number of HUD-approved agencies offering this service, H.E.L.P. CDC provides HECM counseling to clients nationally, extending the agency's reach well beyond its Central Florida home base. H.E.L.P. CDC's certified HECM counselors provide objective, lender-independent guidance ensuring each client fully understands the costs, obligations, alternatives, and long-term implications of a reverse mortgage before proceeding. During the fiscal year ending September 30, 2025, H.E.L.P. CDC served 105 households through HECM counseling sessions one of the agency's highest-volume service areas. Of those served, 15 households successfully obtained a HECM reverse mortgage following counseling, enabling senior homeowners to access home equity to support retirement security, healthcare, and long-term housing stability. Program costs are supported through HUD-approved HECM counseling fees.

• Linking Legacies: Heirs' Property & Estate Planning Education: H.E.L.P. CDC developed and operates Linking Legacies, a community education collaborative addressing one of the most critical and underrecognized threats to generational wealth and housing stability in low- and moderate-income communities: heirs' property. Heirs' property occurs when a homeowner dies without a will or proper estate plan, leaving title to a home unclear or legally entangled among surviving family members. This condition disproportionately affecting Black, Latino, and low-income households leaves families vulnerable to partition lawsuits, predatory investors, tax sales, and the involuntary loss of homes that have been in their families for generations. The Linking Legacies Collaborative brings together H.E.L.P. CDC and three legal partners who provide free legal assistance to program participants: the Legal Aid Society of the Orange County Bar Association, Community Legal Services of Mid-Florida, and the Economic Justice Clinic at the Florida A&M University College of Law. A distinctive feature of the program is its fellowship model: law students from partner institutions serve as Linking Legacies Fellows, gaining hands-on experience in heirs' property law and community lawyering while extending H.E.L.P. CDC's capacity to reach more families. In accordance with HUD housing counseling requirements, Linking Legacies offers both 90-minute group information sessions and individual one-on-one counseling. Topics include how heirs' property occurs, the legal risks it creates, how to clear title, the importance of wills and estate plans, and how to access free legal assistance. To date, H.E.L.P. CDC has served at least 100 households directly through Linking Legacies and extends the program's reach further through community outreach, blog content, social media, and public speaking engagements. At its core, Linking Legacies is built on a simple conviction: making a plan for your family clearing your title, writing your will, securing your legacy is one of the most profound acts of love you can show the people you care about. H.E.L.P. CDC exists to make that act of love accessible to every family, regardless of income. This program has received support from the FAMU Foundation and Linking Legacies collaborative partners.

• Commit to Six: Financial Capability Framework: Commit to Six is H.E.L.P. CDC's trademarked financial capability framework proprietary intellectual property developed and owned by the agency. Rather than operating as a standalone class, Commit to Six is the financial education thread woven through every one of H.E.L.P. CDC's counseling and education services, reflecting the agency's belief that strong financial fundamentals benefit every household, whether renting or owning. The framework asks each client to commit to mastering six essential financial building blocks: (1) banking basics, (2) credit reports, (3) credit scores, (4) debt management, (5) housing stability, and (6) a spending and saving plan. H.E.L.P. CDC's conviction is straightforward if every family had these six fundamentals firmly in place, they would be more financially secure, more housing stable, and better positioned to pass financial knowledge down through the generations. What distinguishes Commit to Six is its hands-on, experiential teaching model. Many low-income households have never lived on a formal budget or learned these skills before. Rather than simply preparing a budget on a client's behalf, H.E.L.P. CDC counselors begin with an assessment to identify each client's blind spots across the six areas, then demonstrate and teach a concept, assign the client real work to complete on their own as homework, and review that completed work together at the next counseling appointment. This learning-by-doing approach ensures clients can actually apply these skills to their own lives the difference between being told a fact and working it through firsthand until it becomes their own. Because financial capability is integrated across all of H.E.L.P. CDC's services rather than counted as a separate activity, its impact is reflected throughout the agency's outcome data including the 255 households for whom counselors developed a customized budget plan and the 112 households that measurably improved their financial capacity through increased savings, reduced debt, or improved credit scores during the fiscal year ending September 30, 2025.

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. Earlier years are each on their own filing page.

Filings

• 2025

  Revenue

  $757,883

  Expenses

  $634,280

  Contributions

  $720,865

  Grants paid

  $3,802

• 2024

  Revenue

  $675,397

  Expenses

  $653,713

  Contributions

  $623,606

  Grants paid

  $0

• 2023

  Revenue

  $584,971

  Expenses

  $443,302

  Contributions

  $584,971

  Grants paid

  $0

• 2022

  Revenue

  $569,961

  Expenses

  $409,719

  Contributions

  $289,928

  Grants paid

  $0

• 2022

  Revenue

  $569,961

  Expenses

  $409,719

  Contributions

  $289,928

  Grants paid

  $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

• 2021 · 990

  Revenue

  $296,388

  Expenses

  $431,527

  Assets (EOY)

  $423,246

• 2020 · 990

  Revenue

  $501,458

  Expenses

  $552,123

  Assets (EOY)

  $433,648

• 2019 · 990

  Revenue

  $864,988

  Expenses

  $808,099

  Assets (EOY)

  $349,144

• 2018 · 990

  Revenue

  $585,403

  Expenses

  $614,786

  Assets (EOY)

  $305,527

• 2017 · 990

  Revenue

  $493,520

  Expenses

  $396,058

  Assets (EOY)

  $386,302

• 2016 · 990

  Revenue

  $430,742

  Expenses

  $351,208

  Assets (EOY)

  $368,557

• 2015 · 990

  Revenue

  $408,759

  Expenses

  $477,390

  Assets (EOY)

  $304,378

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

• HOMEFREE USA INC

  $148,903

  2023 · Property purchased for renovation and sale to low and moderate income potential homeowners.

• HOMEFREE USA INC

  $133,507

  2024 · Housing Counseling Services

• HOMEFREE USA INC

  $33,128

  2022 · Property purchased for renovation and sale to low and moderate income potential homeowners.

Other IRS files