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Welcome to Jacksonville Housing and Credit Counseling Services, Inc. 

Assisting homebuyers from start to finish.

About us..

Jacksonville Housing and Credit Counseling Services, Inc. is a 501 c 3 non-profit organization founded in 2013. Harold J. Riley is President & CEO, a retired military veteran with more than 20 years of housing and credit counseling experience. Our organization  is committed to helping individuals and families achieve financial stability. We offer a variety of services, including housing counseling, rental assistance, budgeting, credit counseling, and financial literacy. Our services are available to anyone in need, regardless of income.

Get the assistance you need today 904.551.9628

Your information will be kept discreet and secure.

Jacksonville Housing and Credit Counseling Services

Housing Counseling

Credit Counseling

Budgeting Assistance

Financial Literacy


Real Estate Services


Counsel and educate the community in whole regarding finances, credit, and buying power. Promote sustainability, wealth building, and the advantages of becoming debt free.


Ensure that consumers have options available to make informed housing decisions. Jacksonville Housing and Credit Counseling Services offers personal one-on-one intensive counseling to those seeking to purchase a home, save a home, or in need of rental assistance. We are also offer financial literacy workshops to groups at local businesses, civic organizations, and churches.  Jacksonville Housing and Credit Counseling Services is dedicated to providing home buyers and homeowners with high quality counseling.

Homebuyers Club

If you have less than perfect credit, then you know that it can be difficult to find a homeownership solution that works for you. The Jacksonville Housing and Credit Counseling Homebuyers Club offers participants a chance to explore a real possibility of homeownership. The ultimate goal is to encourage Homebuyer Club participants to save towards downpayment on a home and not depend solely on programs or special incentives. Homebuyers will have the tools and knowledge required to prepare for the mortgage application and approval process. Participants will work with counselors to:

- Determine whether or not homeownership is the right option at present


- Understand the homebuying process.

- Establish a monthly household budget and homebuying action plan.          - Develop a savings plan aimed at resolving credit issues or establishing        credit. 

- Work with realtors to assist in locating the right home. Understanding the 

  importance  of a home inspection and home warranty.

- Find the right financing terms and interest rate. 

- Protect your most valuable investment. 

- Access community and neighborhood DPA Programs if applicable.


We provide equal professional service without regard to the race, color, religion, gender (sex), disability (handicap), familial status, national origin, sexual orientation or gender identity of any prospective client, customer, or of the residents of any community.
Minute of Inspiration
"The journey to homeownership was undoubtedly a learning experience. We overcame credit and financial obstacles to make our dream of homeownership a reality. Thank you Jacksonville Housing and Credit Counseling and Concorde Realty for your patience and professionalism throughout this process."

- Tolbert Family

Our Clients Say

Video Tour
Meet our Board of Directors
Pastor Aloysious Denard 
Friendship Missionary
Baptist Church
Sharise V. Riley
Broker, Concorde Realty of NE Florida, Inc.
Mary L. Jones
Shirleyanne Ward
Retired Mortgage Lender
Committed to making Jacksonville a better place to live and work.
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