Jacksonville Housing Finance Authority
The Jacksonville Housing Finance Authority (JHFA) exists for the purpose of addressing affordable housing needs in Duval County, Florida by stimulating the construction and rehabilitation of housing through the use of public financing. The JHFA is empowered to alleviate the shortage of affordable residential housing and to provide capital for investment in such facilities for low, moderate to middle income families and persons anywhere within Duval County, Florida through the issuance of its mortgage revenue bonds (subject to legislative approval).
The Jacksonville Housing Finance Authority ("JHFA" or the "Authority") was established pursuant to Chapter 52, Jacksonville Municipal Code in accordance with Section 159, part IV, Florida Statutes. The JHFA has no taxing authority and adheres to the City of Jacksonville's comprehensive Ethics Code.
Total Members: 7 Members, including four appointed by the Mayor and confirmed by City Council, and three appointed and confirmed by the City Council. All seven Members shall represent one of the following organizations: labor, finance, or commerce.
Authority Duties:
- Provide process for bond financing of affordable rental units
- Provide process for financing of home purchases by first-time homebuyers
- Provide financing for qualified multi-family housing developments
2026 Notice of Fund Availability & Request for Applications
2026 Allocation - Local Government Area of Opportunity Funding
The Jacksonville Housing Finance Authority announces the availability of funds and is requesting applications for the consideration of providing local government support for qualified multifamily housing developments which meet the goals of the Authority and comply with applicable federal and state law.
Applications related to FHFC RFA 2026-202 are due no later than 5:00 PM, Eastern Daylight Time, June 5, 2026.
To request a copy of the NOFA 2026-1 and/or LGAO Funding Loan Application please email Mark Hendrickson.
Meetings
Meeting Schedule: JHFA meetings are held on the third Wednesday of each month at 214 North Hogan Street, 8th Floor, Room 851, Jacksonville, FL 32202, at 12:00 p.m. Meeting dates, times, and location are subject to change.
2026 Scheduled Meeting Dates
- January 21
- February 18
- March 4 - Subcommittee Workshop
- March 18
- April 15 - Meeting Canceled
- May 20 - Agenda will be available the week prior to the meeting.
- June 17
- July 15
- August 19
- September 16
- October 21
- November 18
- December 9
Meeting notices are posted to the Boards & Commissions online events calendar.
Authority Members
| Name | Category | Term End Date | Appointment Type |
|---|---|---|---|
| VACANT | — | Mayor | |
| Gloria "Nadine" Carswell, Treasurer | Finance Organization Representative | 6/30/2027 | City Council |
| Alex Rukab | Commerce Organization Representative | 6/30/2028 | Mayor |
| Amelyn Morodomi, Vice Chair | Not Specified | 6/30/2026 | City Council |
| Cassidy Bergstrom, Secretary | Commerce Organization Representative | 6/30/2026 | Mayor |
| Tyler Grant | Commerce Organization Representative | 6/30/2028 | City Council |
| Kristen Packard | Finance Organization Representative | 6/30/2029 | Mayor |
To contact JHFA Board Members please email JHFA@coj.net or send mail to the address listed below:
Housing and Community Development, Attn: JHFA Board of Directors, 214 N. Hogan Street, 7th Floor Jacksonville, Florida 32202
Professional Team
| Name | Title | Agency | Contact Information |
|---|---|---|---|
| Joelle J. Dillard | Issuer Counsel | City of Jacksonville Office of the General Counsel | Phone: 904-255-5044 Email: jdillard@coj.net |
| Rhonda Bond-Collins | Bond Counsel | Bryant Miller Olive | Phone: 407-426-7001 Email: rcollins@bmolaw.com |
| Mark Hendrickson | Financial Advisor | The Hendrickson Company | Phone: 850-671-5601 Email: mark@thehendricksoncompany.com |
| Susan Leigh | Financial Advisor | The Community Concepts Group | Phone: 850-656-2808 Email: sleighfa@cconceptsgroup.com |
| Laura Stagner-Crites | Controller | Jacksonville Housing Finance | Email: laurasanderson@jacksonvillehousingfinance.com |
| Cameron Hill | Bond Underwriter | RBC Capital Markets | Email: cameron.hill@rbccm.com |
Please email JHFA@coj.net to be added to the mailing list or to request an electronic copy of the meeting material.
Pursuant to the Americans with Disabilities Act, accommodations for persons with disabilities are available upon request. Please allow 1–2 business days’ notice to process. Last-minute requests will be accepted, but may not be possible to fulfill. Please contact the Disabled Services Division at V (904) 255-5472, TTY (904) 255-5475, or email your request to karat@coj.net.
Programs and Services
Multi-Family Housing Programs: The JHFA provides financing for qualified multi-family housing developments which meet the goals of the Authority and comply with applicable federal and state law through the issuance of obligations of the Authority, the proceeds of which are loaned to entities participating in the Program, in order to alleviate the shortage of affordable housing available to persons and families in Duval County. There are various programs we different applications and timeframes. The programs include Multi-Family Bond Financing, Gap Loans, Local Government Contribution Loans needed to apply for SAIL and other FHFC gap financing, and Local Government Area of Opportunity Funding. For copies of the NOFA and Application associated with any of these programs, please email JHFA@coj.net.
Mortgage Credit Certificate ("MCC") Program: First-time buyers do not buy that house until you determine if you qualify for a MCC offered by the JHFA. The MCC could save you thousands of dollars by reducing the amount of federal income tax you owe. The MCC is not down-payment assistance, but rather a dollar-for-dollar reduction in your federal tax liability.
Annual Reports
Pursuant to the requirements of Section 52.112, Municipal Code, the JHFA submits an annual report to the Jacksonville City Council Finance Committee. The JHFA is reported and audited as a component unit of the City of Jacksonville.
Please email JHFA@coj.net to request a copy of the Annual Report.
Goals and Objectives
Pursuant to Florida Statutes, each Special District is required to publish annually an evaluation of whether it met its goals and objectives.
Please email JHFA@coj.net to request a copy of the Evaluation.
Helpful Links
Jacksonville Housing Authority (JHA): HUD Low Income Assisted Housing
Florida Housing Coalition: Affordable Housing Resource for Technical Assistance to Local Governments and Nonprofit Organizations
Florida Housing Finance Corporation: State of Florida Affordable Housing Resource
Freddie Mac Multi-Family Programs: Multi-Family Development and Rehab Programs
Housing and Urban Development: Federal Government Affordable Housing Programs & Resources
University of Florida Shimberg Center for Affordable Housing: Affordable Housing Statistical Data Resource
Public Records Notice
Jacksonville.gov is a public information website and is not the City’s system of record. This site publishes only current materials needed for active public business. Historical records are retained offline in accordance with Florida law and are available through the formal public records process.
To ensure ADA compliance, documents that are not currently accessible may be removed from public view but remain available in accessible formats upon request.
Request older records: Submit a request via the City’s Public Records Request Center