Help Community Development Corporation EIN 59-3464941

Help Community Development Corporation

EIN  59-3464941 Public charity (501(c)(3)) Maitland, FL Founded 1996
Form 990 (PDF) Compare with another nonprofit →
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Size
$100K–1M
What they do
Empowers families through education, economic development, and homeownership for community wholeness.
Leadership
Lorenzo Williams · Chairman
Money in and out
$758K revenue, $634K expenses
Bottom line
38% program efficiency

Empowers families through education, economic development, and homeownership for community wholeness. For fiscal year 2025 it reported $758K in revenue, $634K in expenses, and $446K in net assets.Pt I

Where the money goes · FY2025
Total revenue
$758K
Pt VIII · Ln 12
Total expenses
$634K
Pt IX · Ln 25
Net assets
$446K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $124K
Where spending went · Part IX cols B–D
Program services $0.38 Management & general $0.61 Fundraising $0.00
Program efficiency
38%
of spending reaches programs▼ -62% vs prior filing year
Operating runway
11.0mo
months of highly liquid reserves at operating expense rate▲ +28% vs prior filing year
Surplus margin
+16%
revenue over expenses, this year▲ +408% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Revenue
$758K
FY2025▲ +12%
Expenses
$634K
FY2025▼ -3%
Total assets
$1.0M
FY2025▲ +38%
Total liabilities
$585K
FY2025▲ +11%
Total revenue
$758K
Pt VIII · Ln 12
Total expenses
$634K
Pt IX · Ln 25
Net assets
$446K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$124K
Total assetsPt X · Ln 16$1.0M
Program-expense ratioPt IX · col B38%
Voting members of governing bodyPt I · Ln 38
Independent voting membersPt I · Ln 4pending
Mission & Programs · Part III

Where the work happens

3 program services account for $244K of program spending, described in the organization's own filed words · FY2025.
01

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.

$244Kprogram expense
02

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.

Pt IX · col B
03

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.

Pt IX · col B

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CHelp Community Development Corporation
EINHdr · item D59-3464941
Principal addressHdr · item CMaitland, FL
WebsiteHdr · item Jhelpcdc.org
Year of formationHdr · item L1996
State of legal domicileHdr · item MFL
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFCommunity Development (S31)
Ruling yearIRS BMFDec 2004

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a8
Independent voting membersPt VI · Ln 1bpending
Conflict-of-interest policyPt VI · Ln 12aNo
Whistleblower policyPt VI · Ln 13No
Document retention policyPt VI · Ln 14No
CEO/top-official compensation independently reviewedPt VI · Ln 15aNo
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
$0Pt VII · Sec A
Vice President
$0Pt VII · Sec A
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
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Statement of Revenue

Part VIII
Contributions & grants$721K · 95%
Program service revenue$37K · 5%
Contributions & grants95%$721K
Program service revenue5%$37K
Other revenue$32
— government grantsLn 1e$273K
Total revenueLn 12$758K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.38 Management & general $0.61 Fundraising $0.00
Program services38%$244K
Management & general61%$390K
Fundraising$258
Total functional expensesLn 25$634K

Balance Sheet

Part X · end of year
CashLn 1$579K
Total assetsLn 16$1.0M
Total liabilitiesLn 26$585K
Total net assetsLn 32$446K
Months of cash on handcomputed11.0

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $579K · Operating expenses/yr $634K
11.0 months
Where the money goes
Program services
Program services $244K · Total expenses $634K
38%
Management & General
Management & general $390K · Total expenses $634K
61%
Fundraising
Fundraising $258 · Total expenses $634K
0%
Cost to raise $1
Fundraising expense (3-yr avg) $86 · Solicited contributions (3-yr avg) $354K
$0.00 to raise $1 (3-yr avg)
Where the money comes from
Contribution dependence
Contributions & grants $721K · Total revenue $758K
95%
Government reliance
Government grants $273K · Total revenue $758K
36%
Earned-income share
Program service revenue $37K · Total revenue $758K
5%
Investment reliance
Investment income $0 · Total revenue $758K
0%
Program self-sufficiency
Program service revenue $37K · Total expenses $634K
6%
Growth & trend
Revenue growth (YoY)
This year $758K · Prior year $675K
+12%
Revenue CAGR
FY2020 $501K · FY2025 $758K
+9%
Net-asset trend (YoY)
End of year $446K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $758K · Expenses $634K
+16%
Liabilities-to-Assets
Total liabilities — · Total assets $1.0M
Net-asset ratio
Net assets $446K · Total assets $1.0M
43%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $0 · Other securities (Pt X, ln 12) $0 · Total assets (Pt X, ln 16) $1.0M
0%
People & payroll
Highest Reported Total Compensation
Individual Lorenzo Williams · Reported title Chairman · Highest reported compensation $0 · Total expenses $634K
0%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $442K · Total expenses $634K
70%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 38%
Overhead ratio 61%
Fundraising cost ratio 0%
Revenue growth 12%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · funders on record
Grants received · FY2024
Homefree USA INCFY2024$134K
Total grants receivedfrom 2 funders$334K

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2025 (Latest)$758K revenue · viewing · ⤓ 990 PDF
FY2024$675K revenue · ⤓ 990 PDF
FY2023$585K revenue · ⤓ 990 PDF
FY2022$570K revenue · ⤓ 990 PDF
FY2021$296K revenue · ⤓ 990 PDF
FY2020$501K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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