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City of Jacksonville

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WELCOME

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 JFHA 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).

A seven-member board appointed by the Mayor and the City Council governs the JHFA.  The JHFA has no taxing authority.  The JHFA adheres to the City of Jacksonville's comprehensive Ethics Code.  Please visit the City of Jacksonville's Office of Ethics, Compliance, and Oversight webpage for more information regarding ethics in city government.  The JHFA has no employees and does not have a defined benefit retirement system. 

Click here for more information on the JHFA Board of Directors
Click here for information on the JHFA Bond Team
Click here for the Jacksonville Housing Finance Authority Bylaws
Click here to view the Fiscal Year 2022 Budget
 

2024 Notice of Fund Availability and Request for Applications 
 

2024 GAP FINANCING FOR DEVELOPMENTS UTILIZING JHFA BONDS

The Jacksonville Housing Finance Authority (the "Authority" or “JHFA”) announces the availability of funds and is requesting applications for the consideration of providing gap financing for qualified multifamily housing developments which meet the goals of the Authority, comply with applicable federal and state law, and are using JHFA bonds.

The Authority will continue to accept applications, which will be reviewed on a first-come, first-evaluated basis. Applications are due no later than 5:00 PM, Eastern Daylight Time, January 3, 2025.

Click here to view NOFA 2024-3 Notice of Fund Availability and Request for Applications. 
Click here to view the Local Government Area of Opportunity Funding Loan application.

​

2024 Allocation - Local Government Support Loans
The Jacksonville Housing Finance Authority ("JHFA" or the "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. 
 
The Authority will continue to accept applications, which will be reviewed on a first-come, first-evaluated basis. Applications are due no later than 5:00 PM, Eastern Daylight Time, August 2, 2024.

Click here to view NOFA 2024-2 Notice of Fund Availability and Request for Applications. 
Click here to view the Local Government Area of Opportunity Funding Loan application.

2025 Allocation - Multifamily Mortgage Revenue Bonds without SAIL 

The Jacksonville Housing Finance Authority ("JHFA" or the "Authority") announces the availability of funds and is requesting applications for the consideration of providing tax exempt revenue bond financing for qualified multifamily housing developments, which meet the goals of the Authority and comply with applicable federal and state law.  

The Authority will continue to accept applications, which will be reviewed on a first-come, first-evaluated basis.  Applications are due no later than 5:00 PM, Eastern Daylight Time, September 6, 2024

Click here to view NOFA 2024-3 Notice of Fund Availability and Request for Applications. 
Click here to view the Multifamily Mortgage Revenue Bond Program application.
Click here to view the Multifamily Tax Exempt Bond Program Application Procedures and Program Guidelines (Multifamily Handbook), Revised August 10, 2022. 
Click here to view the Preliminary Agreement Form.

CALENDAR
The Jacksonville Housing Finance Authority holds regularly scheduled meetings at noon on the third Wednesday of every month at 214 North Hogan Street, 8th Floor, Jacksonville, FL 32202.  The JHFA's fiscal year begins on October 1st and ends on September 30th.  

All meetings are open and the public is encouraged to attend.
 

PUBLIC MEETING NOTICE 
IN-PERSON BOARD MEETING    
 
JACKSONVILLE HOUSING FINANCE AUTHORITY
IN-PERSON BOARD MEETING 
SCHEDULED FOR DECEMBER 11, 2025  -  IN-PERSON BOARD MEETING 12:00PM
Notice is hereby given that the JACKSONVILLE HOUSING FINANCE AUTHORITY (“JHFA”) will meet on WEDNESDAY, DECEMBER 11, 2025, 10:00 AM for BOARD MEMBER TRAINING AND  12:00 PM BOARD MEETING  via In-Person meeting.  The meeting noticed herein can be accessed in-person at the physical location described below.  The purpose of this meeting is for the JHFA to consider and take action on items on the JHFA agenda which can be found at the JHFA webpage: https://www.coj.net/departments/neighborhoods/housing-and-community-development/jacksonville-housing-finance-authority

PHYSICAL LOCATION:
Ed Ball Building
Conference Room 851
214 N. Hogan Street, 8th Floor
Jacksonville, Florida 32202
 
As a result of the expiration of City of Jacksonville Emergency Executive Proclamation Number 2020-009, masks are encouraged but not required at the physical meeting place. 
Board meeting agendas, minutes, and public notices can be found at the JHFA webpage at: https://www.coj.net/departments/neighborhoods/housing-and-community-development/jacksonville-housing-finance-authority, by emailing JHFA@coj.net, or by calling administrative support staff at 904-255-8235.  Interested persons may request a hard copy or electronic copy of meeting materials by emailing administrative support staff at JHFA@coj.net, calling 904-255-8235, or mailing requests for meeting materials to JHFA Administrative Support Staff at 214 N. Hogan Street, 7th Floor, Jacksonville, Florida 32202. 

PUBLIC COMMENT:
Persons attending this meeting will be given an opportunity to provide public comment during the designated public comment period.  Interested persons who cannot attend but who wish to submit public comments to be read during the public comment period of the meeting, regarding any matter on the agenda for consideration, may do so by emailing administrative support staff at JHFA@coj.net.  All emailed comments must be received no later than 12:05 on Wednesday, DECEMBER 11, 2025.  Interested persons may also telephonically provide public comment to administrative support staff at 904-255-8235 or mail comments to JHFA Administrative Support Staff at 214 N. Hogan Street, 7th Floor, Jacksonville, Florida 32202.  All mailed comments must be received no later than 11:00AM on Wednesday, DECEMBER 11, 2025. 

Pursuant to the American with Disabilities Act, accommodations for persons with disabilities are available upon request. Please allow 1-2 business days notification to process; last minute requests will be accepted but may not be possible to fulfill.  Please contact Disabled Services Division at V(904) 255-5466, TTY-(904) 255-5476, or email your request to karat@coj.net.  Please contact JHFA Administrative Support Staff by telephone at (904) 255-8235 or by email JHFA@coj.net if you have any questions regarding this notice or if you experience technical difficulties during the meeting.
INSTRUCTIONS FOR PUBLIC PARTICIPATION IN PUBLIC COMMENT PERIOD DURING MEETING:
 
  1. All participants who wish to participate in public comment during the meeting will state their intention and provide their full name.
  2. The Chair will establish a time period for each speaker that is no more than 3 minutes per speaker.
  3. Speakers will wait to be recognized for public comment time period by the Chair.
  4. The Chair will call on speakers, by name, from individuals requesting to speak.
  5. The speaker will begin speaking after the Chair has recognized the speaker’s turn during the public comment period.  The speaker will remain within the established time period. 

BOARD DOCUMENTS
Links are provided below for JHFA Public Meeting Notices, Agendas, and Minutes.  These documents are also made available by emailing jhfa@coj.net, by calling JHFA Administrative Support at 904-255-8200, or by mailing a request to:

Jacksonville Housing Finance Authority
c/o Housing and Community Development Division
214 N. Hogan Street, 7th Floor
Jacksonville, FL 32202
Multi-Family Housing Program
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.  

Click here for more information on the Multi-Family Housing Program and to view the guidelines.  

Single Family Program - Home Sweet Home
If you’ve ever dreamed about home ownership but felt that buying a home was a little beyond your reach, the Jacksonville Housing Finance Authority ("JHFA") may make your dream a reality with their First-Time Homebuyer Program.  The Jacksonville Housing Finance Authority's Single-Family Loan Program offers a 30-year, fixed-rate mortgage for first-time homebuyers. The Home Sweet Home Program is a continuously funding program and never "runs out" of money.  

Click here for more information on the Home Sweet Home Single Family Program.  

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 a down-payment assistance, but rather a dollar-for-dollar reduction in your federal tax liability.  

Click here for more information on the Mortgage Credit Certificate Single Family Program.
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.  
Click here for links to helpful information regarding low-income assisted housing, multi-family development and rehabilitation programs, and other affordable housing resources and programs. 

Contact Information:
Jacksonville Housing Finance Authority
JHFA@coj.net 
214 North Hogan Street, 7th Floor
Jacksonville, FL., 32202
904-255-8200