Community Partners of South Florida

CPSFL typical home after rehab $500,000 FCLF financing
Revolving line of credit
9-12 single family homes for homeownership

“CPSFL appreciates the straightforward approach of FCLF staff. Our first loan closing had some challenges but we always found a way to work together and find a solution to resolve the issues at hand.” – Lynda Charles, Vice President of Housing Services

Community Partners of South Florida (CPSFL) was founded in 1986 and its mission is to partner with families to build healthy communities and improve their quality of life.

Originally known as Housing Partnership, CPSFL offers an array of services in housing and family services, reaching over 10,000 clients annually with:

  • Housing counseling and homebuyer education
  • Housing development through a community land trust
  • Supportive housing programs for special needs populations
  • Operation of a residential treatment program for addiction recovery
  • Mental health services including therapy and case management for children, adults, and families provided through Child & Family Mental Health Services component
  • Education and support for expecting and new parents
  • Other services for children and teens including mentoring and after school programs

With financing through a line of credit from Florida Community Loan Fund, CPSFL will purchase and rehabilitate single family homes, offering them for sale to low- and moderate-income families in Palm Beach County. The organization’s extensive capacity on both the development side as well as housing counseling and mortgage origination experience, will provide its clients with a full range of services along with a quality product.

The focus area for CPSFL’s development with this FCLF loan is Riviera Beach and the North End of West Palm Beach, in some of the oldest residential neighborhoods in the county, which were developed in the 1950s-70s. There is substantial potential for redevelopment, as approximately 27% of the homes in the target area are abandoned, have been demolished, or are severely distressed. The area has large pockets of severe poverty – ranging from 33% to 54% – and median household incomes ranging from 42% to 64% of the Area Median Income (AMI). The first project is in Riviera Beach and is a partnership with a faith-based group, Faith Deliverance- Feeding Hope Village. It is phase I of a larger multi-purpose church and affordable rental apartments.

The area is receiving renewed attention through the recent creation of the RISE initiative, which addresses the housing, healthcare, employment and educational needs of the community. RISE is supported by public and private sources.

Pictured: above, typical home after rehab. Below, the same home before renovations were made by CPSFL.

CPSFL typical home before rehab

Button View More

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

“FCLF will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member

Sister Mary Heyser, RSHM

"Thanks to FCLF, we are one step closer to providing a permanent housing solution for veterans and others seeking quality housing at an affordable price." – Carrie Davis, Executive Director

Wealth Watchers

"FCLF understands and is a part of what we are doing: helping families have the American dream of owning a home." – Isaac Simhon, Executive Director

Housing Programs, Inc.

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"The Fathers Table Foundation appreciates the services FCLF provides and the impact on the communities you serve. We believe in your organization and your mission." – Dan Gilardi, President

Fathers Table Foundation

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Brevard Neighborhood Development Coaliti…

"We couldn't achieve our mission of creating strong neighborhoods without FCLF's help. Their staff is always friendly, quick to respond, and efficient." – Bonnye Deese, Executive Director


"FCLF plays a significant role in sustaining vibrant and thriving communities. We are pleased to support your ongoing community based efforts." – Ernie Diaz, South Florida Market President

TD Charitable Foundation

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

"We look forward to continuing our successful relationship with FCLF and working together to meet the needs of our communities." – Nancy Merolla, VP/CRA Officer

Florida Community Bank

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development


"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

Core Purpose FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
Our Vision Opportunity and dignity exist for every person and community in Florida.
Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.