Wholesome Community Ministries

Wholesome Community MinistriesWEST REGION
$801,750 FCLF Financing, 2 Loans
Land & building acquisition and renovation; hurricane recovery loan
9,200 sq. ft. building

In rural southern Hillsborough County, Florida lies the town of Wimauma, a community with a large low-income population where 29% of residents have no health insurance. Pastor Carlos Irizarry, a nurse and paramedic with over 15 years of medical experience, believes medical and pastoral duties go hand-in-hand, to help those in the community enjoy a better life. Carlos Irizarry is pastor of Wholesome Community Ministries, a church whose congregation has a vision for their community: to promote health in spirit, mind and body, one person and one family at a time.

In 2012, one of the church’s first major initiatives was to develop a series of health fairs for the Wimauma community. These have grown from 100 participants to over 2,500 – of whom 1,500 are children.  WCM leased its location for over 6 years, and when the owner expressed an interest in selling the land and buildings, the church knew the time was right to resume and build their healthcare mission in the freedom of owning the property.

With financing from Florida Community Loan Fund, WCM purchased the land and 9,200 square foot building. The first project to take shape will be the New Generations Academy preschool, with a focus on the whole child, including health and wellness. After establishment of the preschool, the church will turn its focus towards new initiatives: creation of a healthcare clinic, a commercial kitchen that can be used for nutrition education and culinary job training, an organic vegetable farm, and extended youth activities to include after-school and weekend programs. A second FCLF loan provided funds to repair damages caused by hurricanes.

The Lucca Specialty and Wellness Center to be established at this location will be a clinic with an emphasis on mental health and personalized bilingual health coaches. The clinic will be developed in partnership with ECHO, a national provider offering consulting, coaching, and start-up resources. Allegany Franciscan Ministries has granted funds to 27 area programs with a focus on improving health and lives of Wimauma residents, including WCM. Allegany Franciscan Ministries is also a long-time supporter of Florida Community Loan Fund.

Learn more about Wholesome Community Ministries at www.wholesomechurch.org

WCM is also featured in these articles:
83 Degrees Media, May 17, 2017
ABC Action News, June 26, 2017 

Pictured above, Wholesome Community Ministries church. Below, Pastor Carlos Irizarry

Wholesome Community Ministries, Pastor Carlos

"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

"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 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


“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

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

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

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

BBVA Compass

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

Dignity Health

"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

“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

"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

"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 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


"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

"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

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

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

Allegany Franciscan Ministries

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

Sister Mary Heyser, RSHM

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.