Facing eviction or foreclosure? Our counselors can help you work with your landlord or lender. Call us before the deadline.

Southwest Florida's housing lifeline

You don't have to face homelessness, eviction, or foreclosure alone.

AHF has spent 26 years helping thousands of Southwest Florida families find stable, safe, affordable housing, and the free counseling to stay there.

26Years serving SW Florida
1,025Individuals helped last year
FreeCounseling services
6Counties served in-person

Who we help

Not sure if we can help you? We probably can.

Most people who call AHF waited longer than they should have. If you're dealing with any of the situations below, reach out now. Earlier is always better.

I need housing help

Facing eviction, foreclosure, or homelessness. Don't know where to turn or whether you qualify? Call us anyway. Low income and credit history are not disqualifiers.

I want to donate

Government grants that once covered 95% of AHF's costs are gone. Your donation now directly funds free counseling, transitional housing, and crisis assistance for families with nowhere else to turn.

I want to volunteer

Help move families out of homelessness, deliver hurricane supplies during storm season, assist residents with daily tasks, or simply spread the word about what AHF does.

Real people, real outcomes

This is what stable housing actually changes.

Not just a roof. A life. These are two of the thousands of families AHF has helped over 26 years.

Nigel, AHF client
N
Nigel, age 62
Disabled, 5 years homeless, sleeping on floors for $800/month

"AHF never gave up on me. When the voucher expired, they helped me reapply. When I got turned down, they kept looking. Three years later, I had my own apartment."

Nigel spent his last 3 years in a home of his own. He brought cookies. One Christmas, he brought everyone a watch.
A family of four, AHF clients
F
A family of four
A husband and wife with two young children, about to become homeless

"We didn't know where we were going to go. AHF found us this home just in time. Our kids finally have a safe place to grow up."

The family avoided homelessness and moved into a stable, affordable home together, with case management support to help them stay housed long-term.

Images are AI representations to protect the privacy of the individuals. The stories are 100% true.

Why your support is critical right now

The funding that kept AHF running for decades is gone.

For most of our 26-year history, government grants covered roughly 95% of AHF's operating costs. That funding has dried up. The families we serve haven't gone away, the need is greater than ever, but the financial foundation we relied on no longer exists.

AHF has never had a large donor base. We never needed one. Now we do. For the first time in our history, the continuation of every free counseling session, every transitional housing placement, and every family we help avoid homelessness depends entirely on the generosity of individual donors and community partners.

The people AHF serves are the most vulnerable in our community. They have no safety net. When AHF can't operate, there is nowhere else for them to go. This is not a fundraising talking point. It is the reality we are living right now.

95%
of AHF's operating costs were previously covered by government grants, funding that has now disappeared
26
years of proven service to Southwest Florida families, all of it now dependent on donors like you
$0
cost to clients for counseling, and we need your help to keep it that way
Lois Healy, Executive Director

Lois HealyExecutive Director, Affordable Homeownership Foundation

A word from our executive director

What keeps me up at night

"I see faces of people on the streets and wonder: why haven't they gotten help? Have they applied anywhere, or have they given up hope?"

For 26 years, AHF has been reaching people in crisis and changing the course of their lives. But for every Nigel we find housing for, there are people we never reach in time. People who froze when fear set in. People who assumed they wouldn't qualify. People who called everywhere and got no answer, and simply stopped calling.

What I see on our streets is people surviving day to day without the stability of a home. People walking day after day, dirty, hungry, isolated, their mental health declining from the violence and instability of life without a home. Many of them could have been reached. Many still can.

That is why AHF exists. And it is why your support (your donation, your volunteer hours, your referral to someone who needs us) matters more than you know.

Our programs

We do more than most people realize.

AHF offers a full range of housing counseling and assistance programs, all free to clients.

First-time homebuyer class in session

First-time homebuyer classes

Pre and post-purchase counseling

Eviction prevention counseling session

Eviction prevention

Before it reaches a courtroom

Credit and budget counseling class in session

Credit and budget counseling

Know your score and fix it

Home with foreclosure notice sign

Foreclosure prevention

HUD-certified counselors

Veteran-owned homes neighborhood with American flags

Military and veteran housing

Specialized counseling and programs

Disaster preparedness and hurricane response

Disaster preparedness

Pre and post-storm counseling

Senior couple at home

Senior and disabled housing

Vouchers, subsidies, placement

Furnished, comfortable transitional housing living room

Transitional housing

Furnished, stable, supportive

All counseling is free. The only cost is a $31 credit report fee when needed to assess your situation, and for very low-income clients, we cover that too. In-person appointments available in Lee, Collier, Charlotte, Hendry, Glades, and Sarasota counties. Zoom appointments available statewide.

How it works

Getting help is simpler than you think.

Most people are surprised by how quickly AHF can assess their situation and get to work. Don't wait until the deadline is on top of you.

1

Call or fill out the online intake form

Call, email, or complete the form at your own pace, whatever is easiest.

2

Tell us what's going on

No judgment. We'll ask what you need help with and what caused your hardship, and listen.

3

We send you a document checklist

Once we understand your situation, we'll tell you exactly what to bring to your appointment.

4

We get to work and we don't let go

If the first path doesn't work, we find another one. We've reapplied for vouchers. We've found housing others said didn't exist.

What clients say

"How come no one else does what you do?"

Real words from the people AHF has served.

"I thought I died and went to heaven."

Richard, an 83-year-old client, upon seeing his new home for the first time

"You don't know how your organization and your housing has saved my life."

63-year-old disabled woman, AHF housing client

"You have changed my life. How long have you been in business? I never knew your organization existed."

AHF counseling client

Accreditations

26 years. HUD-certified. Community-trusted.

AHF has been in operation since October 2000 and HUD-approved since May 2013. We are not a large bureaucracy. We're a lean, deeply experienced team that takes on cases others won't touch and stays with them until they're resolved. Two years ago, the Lee County Board of County Commissioners featured AHF's housing program as a model for ending homelessness in Lee County. Here's who stands behind our work.

HUD-approved housing counseling agency since May 2013
Community Development Corporation
Nat'l Assoc. of Credit Counselors
Red Cross Community Adaptation partner
National Community Stabilization Trust
Lee County model for ending homelessness
501(c)3 nonprofit, donations are tax-deductible
National Low Income Housing member
National Association of Homeless Veterans
Florida Nonprofits Association
Lee County CoC Board member
FL Alliance of Community Solutions
AHF volunteers (placeholder photo)

Volunteer

Show up for your community.

We need people with time, not just money. Too many people in Southwest Florida don't know AHF exists, and too many people who could be helped never call. Volunteers help us reach more people, serve more families, and stay ready when disaster strikes.

Moving assistance

Help move individuals and families out of homelessness and into their new homes.

Disaster response

Deliver hurricane supplies and assist with disaster case management throughout storm season.

Home support tasks

Help residents in AHF housing with simple everyday tasks they can't manage alone.

Spread the word

Too many people don't know AHF exists. Help us change that in your neighborhood and network.