HUD-approved nonprofit providing free homebuyer education, foreclosure counseling, and down payment assistance to low-to-moderate income families in Florida.
Editorially reviewed by Harvey Brooks
Real Estate Education and Community Housing (R.E.A.C.H.) is a Florida-based 501(c)(3) nonprofit organization founded in January 2006. The organization is HUD-approved and serves as a Foreclosure and Housing Counseling Agency, operating as an affiliate of HomeFree-USA. R.E.A.C.H.'s stated mission is to inspire and motivate low-to-moderate income community members to achieve homeownership through education, counseling, and grant assistance.
R.E.A.C.H. offers multiple programs designed to support homeownership and financial stability. Their core services include HUD-approved homebuyer education workshops using NeighborWorks curriculum, foreclosure and eviction prevention counseling, pre-purchase counseling, down payment assistance programs, and credit mitigation services. They provide post-closing home maintenance classes approved by the City of West Palm Beach, and offer programs like eHome America and Save My Home for foreclosure education and prevention. Services are delivered in multiple languages whenever possible.
The organization distinguishes itself through partnerships with local mortgage lenders, real estate professionals, and attorneys who facilitate workshops and provide practical guidance to participants. R.E.A.C.H. offers specialized credit mitigation programming with access to Second Chance Grants for qualifying individuals to pay off past-due accounts. Their programs are designed in conjunction with governmental and private agencies, and they operate with transparent fee structures and donation-supported operations.
As a genuinely nonprofit, free-help provider, R.E.A.C.H. serves families who may otherwise lack access to homeownership education and foreclosure prevention. The main limitation is geographic scope—services appear concentrated in Florida, particularly the Palm Beach County area. The organization's reliance on grants and donations means program availability may fluctuate with funding.
Yes. Real Estate Education And Community Housing is a registered company headquartered in Fort Lauderdale, FL. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
R.E.A.C.H. is best for Florida-based, low-to-moderate income first-time homebuyers and homeowners facing foreclosure who need free, HUD-approved counseling and education. The primary caveat is geographic limitation to Florida and program availability dependent on nonprofit funding; prospective clients outside Florida or in other states will need to seek alternative HUD-approved housing counseling agencies.
Nonprofit credit counseling agency offering free counseling, debt management programs, and HUD-approved housing help. Rated 4.7/5 from 9,144 reviews.
Best for: People with $10,000+ in credit card debt who want structured repayment without settlement, Homeowners or prospective buyers needing HUD-certified housing or foreclosure counseling
Coastal Debt Resolve specializes in helping small to medium business owners settle Merchant Cash Advance (MCA) debts through negotiated resolution programs designed to lower payments while preserving credit.
Best for: Small business owners with $10,000-$100,000+ in Merchant Cash Advance debt seeking settlement alternatives, Business owners concerned about maintaining credit history while resolving MCA obligations
Non-profit community organization providing free education, job training, housing counseling, and financial literacy services to Broward County residents.
Best for: Broward County residents seeking integrated support combining job training with financial literacy and housing counseling, Low-to-moderate income individuals and families building toward homeownership or facing foreclosure
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