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Housing and Neighborhood Development Services of Central Florida, Inc.

HANDS expands affordable housing in Central Florida through development, counseling, and community partnerships. As a HUD-Approved agency, it provides resources and assistance to ensure safe, stable housing for residents.

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MandM’s of Money

The MandM’s of Money Financial Literacy Classes

These classes are being offered to City of Kissimmee, FL residents. Two 1.5 hr. sessions will teach you how to Manage & Maximize your money.

  • The Importance of Credit
  • How to Develop a Budget
  • Spending Wisely & Saving Money
  • Goal Setting
  • Credit Reports / 3 Credit Bureaus
  • Predatory Lending

When: Thursday July 24, 2025 and Thursday July 31, 2025
Time: 5:30PM – 7:00PM

Click here to Register More Info

HANDS Services

HANDS provides comprehensive housing solutions, from counseling and resources
to development and advocacy, ensuring affordable housing access in Central Florida.

How Can We Serve You?

Register for Home Buyer Seminars

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One-on-One Private Counseling

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Find Affordable Housing

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Thank you to Our Funders

BANK
UNITED

Bank United grants $10,000 to HANDS for Pre-Purchase counseling services to Central Florida residents.

TRUIST
FOUNDATION

Truist Foundation grants $20,000 to HANDS for One-on-One Counseling services to Central Florida residents.

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WELLS FARGO
FOUNDATION

Wells Fargo donated a KEEPING PEOPLE HOUSED Grant of $26,500 in 2023 to HANDS to counsel Homeowners and Renters impacted by COVID to avoid foreclosure and eviction.

ORLANDO UTILITIES
COMMISSION

Orlando Utilities Commission donates $11,400 to HANDS during their 2024 Charity Golf Tournament!

HANDS Success Stories

FAQs

Anyone may contact HANDS for mostly free private counseling. A Certified Housing Counselor will then be able to look at your personal household income, current debts and help you understand what level home mortgage you may qualify for at a bank. If you have credit issues that must be resolved before a lender will give you a loan, our counselors will identify those and help you with a written Action Plan to begin resolving those issues.

Currently all of HANDS counseling services are mostly free for as many sessions as you need. You and a HANDS Housing Counselor will determine through a written Action Plan the benchmarks for additional counseling sessions. HANDS is a HUD-certified and HUD funded Housing Counseling Agency and also receives funding from Orange County. HANDS is paid for our services from these sources so that our counseling is mostly free to our clients.

Yes. During a mostly free One-on-One Counseling session, HANDS will pull a free credit report for our clients, teach them how to read it, and assist with negotiating payoffs with their creditors. HANDS does not take any money from clients for payment to creditors. When possible, our clients pay off their debts directly. This and all HANDS services are mostly free.

No. HANDS loans no money. Potential homebuyers must qualify for a home loan with a bank or mortgage company. HANDS provides the required homebuyer education course for local downpayment assistance to eligible clients. After taking the homebuyer seminar, participants receive a certificate of education that must to included in their loan package and sent to the City or County providing the downpayment assistance. HANDS certificates of education are accepted in Orange, Osceola, Lake, Seminole and Volusia Counties, and the Cities of Orlando and Deltona

Yes, if the home has a sales price less than $219,000 the home can be listed on HANDS' website. Please read the info. we need to develop the "cut sheet" to post on the website. The instructions are on our web site under the "Homes for Sale" button on the home page. To begin the process - HANDS will need a $100 check for each home mailed to the address below. We will then need the info. on the home + .jpeg photo to send to our web developer who we pay to put info. into the "cut sheet". The web listing is for 90 days and we love to hear status so we can change to "Contract Pending" or "Sold".