Florida Home Partnership

Fl Home Partnership BayouPassWEST REGION
$1.5 million, 2 FCLF loans
63 single family homes
6,300 sq ft community center


“Thanks to the Florida Community Loan Fund, we are now the full-time developer in Sunset Hills, like in our other communities, which will enable us to accelerate helping qualified families build their homes…” – Earl Pfeiffer, Executive Director, Florida Home Partnership

In west Florida’s rural communities there is a great need for affordable housing. Florida Home Partnership helps meet this need by building developments where the homeowners have a hands-on role in their neighborhood.

Florida Home Partnership, a west Florida nonprofit founded in 1993, is committed to keeping housing affordable, and has won awards for implementing the USDA Self-Help model where homeowners contribute a minimum of 600 hours of “sweat equity” labor to help build their homes and the homes of their future neighbors in a newly established community.

Sunset Hills subdivision, near Dade City in rural Pasco County, will offer 63 new single-family homes to help alleviate the affordable housing need. The Self-Help model is the basis for construction in Sunset Hills, helping many families who might otherwise not be able to afford a home. Florida Community Loan Fund (FCLF) provided $733,000 in financing to Florida Home Partnership to assume ownership of the Sunset Hills subdivision. In conjunction with funds from Pasco County, FCLF previously provided loans to Tampa Bay CDC, the original land owners, for development of the subdivision’s infrastructure.. Florida Home Partnership has also upgraded the subdivision with a community center, playground, additional landscaping, and fencing. All construction will be certified to meet green building standards, which qualifies Florida Home Partnership for a lower interest rate on its FCLF loan.

With a second loan from FCLF, Florida Home Partnership will construct a community center in its Bayou Pass neighborhood, located near Ruskin in rural Hillsborough County – reported to be the fastest growing community in Hillsborough County. Also built using the Self-Help model, Bayou Pass consists of 303 homes. The community center will offer a spot for the neighbors to gather, hold neighborhood association meetings and other community events, and take advantage of the exercise room, swimming pool and playground. Through a partnership with the Hillsborough County Sheriff’s Department, the center also offers a small office and meeting space for deputies, which provides an extra element of security for the community. As in all Florida Home Partnership neighborhoods, employment in newly created positions is offered first to residents; as a result, over 50% of current staff members have come through the Self-Help ownership program. Bayou Pass community center will meet Florida Green Building Coalition (FGBC) standards, including water conservation, qualifying this loan for a reduced interest rate from FCLF.

Neighborhoods like Sunset Hills and Bayou Pass offer affordable homes for ownership to low-income families making 80% or less of area median income. They also have an economic impact by providing stable development, expanding the tax base, improving the surrounding community, providing employment for local residents, and increasing momentum for change.

Learn more at www.flhome.org

Pictured above, exterior of a community center similar to what will be built at Bayou Pass. Below, typical self-help model home, exterior and interior.

FHP Logo 2019

Fl Home Partnership typical self-help home  Fl Home Partnership Sunset Hills Interior   

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

Sister Mary Heyser, RSHM

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

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

BBVA Compass

"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

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

Sabadell United Bank

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"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

"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

"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.

"BankUnited understands the challenges facing our communities; we applaud FCLF's efforts. Thank you for making our community a better place to live." – Katrina Wright, VP Comm. Dev.


“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

"FCLF has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

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

JPMorgan Chase Foundation

"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

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"Our partnership with FCLF allows us to build an attractive, state of the art facility that patients, staff, and community will be proud of." – Bakari Burns, President-CEO

Orange Blossom Family Health

FCLF Videos

View video testimonials from FCLF partners.
  • Florida Community Loan Fund and Orange Blossom Family Health, Bringing Healthcare to FL Communities
  • Florida Community Loan Fund and R.E.A.C.H. Strengthening Communities in South Florida
  • Florida Community Loan Fund helped Boys & Girls Clubs of Manatee County with New Markets Tax Credits
  • FCLF and Operation New Hope, Restoring Jacksonville’s Springfield Community
  • FCLF and SW Florida Collaboratory, Bringing Stability to a Fort Myers Neighborhood
  • FCLF and CDC of Tampa, Stability in East Tampa Neighborhoods
  • FCLF and The Transition House: Building Blocks for U.S. Veterans
  • FCLF and Wendover Housing: Building Blocks for An Aging Population
  • FCLF and CFHC: Building Blocks for Low Income Healthcare
  • FCLF, Reflecting on the Past, Shaping the Future
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.