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HUD-approved non-profit housing counselor and community development organization in Jacksonville offering foreclosure prevention, homebuyer education, and affordable housing solutions.
Data compiled from public sources
Second Chance Help Center, Inc. (SCHC) was established in 1996 as a non-profit organization dedicated to developing affordable housing and strengthening economic partnerships in disadvantaged neighborhoods on Jacksonville's north side. Founded by Reverend Anthony F. Wyche, Sr., the organization emerged from a grassroots commitment to community revitalization and resident empowerment. SCHC operates as a HUD-approved housing counseling agency, marking it as a certified provider of professional housing guidance and financial counseling.
SCHC offers a comprehensive suite of consumer finance and housing services. These include foreclosure prevention programs designed to help homeowners avoid losing their properties, first-time homebuyer classes to educate prospective home purchasers, and budget counseling to improve household financial management. The organization also manages housing acquisition and rehabilitation projects, including a duplex rental program for low-income clients and single-family home development for sales to low-income buyers. Their funding structure includes partnerships with organizations like the Florida Community Loan Fund, which provided $32,000 in capital for housing development initiatives.
What distinguishes SCHC is its integrated model combining consumer financial education with tangible housing development. Rather than offering only advisory services, the organization puts capital directly into community assets—repairing existing housing stock and acquiring vacant land to build new affordable homes. This hands-on development approach is paired with HUD-approved counseling, creating both immediate support for struggling homeowners and long-term housing supply for low-income residents. The organization's deep neighborhood focus and partnership model emphasize community ownership and participation as essential to sustainable revitalization.
As a free non-profit service provider, SCHC represents a legitimate resource for housing counseling and foreclosure prevention without high-cost lending or high-cost products. However, their services appear geographically limited to Jacksonville's north side, and their website provides minimal detail about specific program eligibility, timelines, or how to access services. For consumers outside this service area or seeking short-term cash access solutions, SCHC would not be appropriate. The organization's strength lies in long-term housing stability and financial education rather than emergency assistance.
This is state-level context for Free Help consumers in Jacksonville, FL. It does not confirm that Second Chance Help Center, Inc. or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Second Chance Help Center, Inc. offers 10 services including HUD-approved housing counseling, Foreclosure prevention programs, First-time homebuyer education classes, Budget counseling and financial management education, Housing acquisition services, and 5 more.
Second Chance Help Center, Inc. has profile signals associated with First-time homebuyers in Jacksonville seeking affordable education and guidance, Homeowners facing foreclosure in the Jacksonville north side community, Low-income renters seeking pathways to homeownership through affordable housing programs, Residents seeking budget counseling and financial education in the organization's service area.
Key strengths: HUD-approved housing counseling agency with certified professional credentials; Offers foreclosure prevention programs specifically designed to help homeowners avoid loss; Provides first-time homebuyer education classes to build financial literacy before purchase. Areas to consider: Services appear limited to Jacksonville's north side with no multi-state reach; Website provides minimal information on program eligibility criteria or application process.
In the Free Help category, comparable providers include American Consumer Credit Counseling, Inc., Community Fund of North Miami Dade, Wealth Watchers Inc. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Second Chance Help Center is profile signals for Jacksonville-area residents seeking free, professional housing counseling, foreclosure prevention, or first-time homebuyer education from a legitimate HUD-approved non-profit. The main caveat is geographic limitation to Jacksonville's north side and lack of fast-funding or emergency cash assistance—this is a long-term community development and education organization, not an immediate financial relief provider.
American Consumer Credit Counseling, Inc. Tampa, Florida — ACCC is a non-profit credit counseling agency offering free consultations, debt management pr...
Profile signals: Consumers with $6K–$100K+ in credit card debt who are still current or only slightly behind, Individuals legally required to complete bankruptcy counseling (pre- or post-filing)
Community Fund of North Miami Dade is a non-profit organization offering free financial counseling and assistance to residents in the North Miami Dade area.
Profile signals: North Miami Dade residents seeking free financial counseling, Small business owners in the local area needing advisory support
HUD-certified nonprofit housing counselor and community development organization serving low-to-moderate income individuals across Florida and Georgia since 2001.
Profile signals: First-time homebuyers seeking free counseling and down payment assistance guidance, Low-to-moderate income individuals wanting to build financial literacy and long-term wealth
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