Company Profile

We accomplish our mission by issuing mortgage revenue bonds that lower first-time homebuyers' cost of purchasing; and the developers' costs of acquiring, constructing and rehabilitating rental housing. We embrace our responsibility with conviction and pledge our best efforts to serve the community and to act as Central Florida's principal catalyst for neighborhood investments.
Our Partnerships
OCHFA's work is done in partnership with developers, lenders, investors, and nonprofit organizations that use our financing to serve low- and moderate-income Central Florida families. We leverage government and private funds to invest in financially sound, well-designed projects that will benefit communities for many years to come; and our investments bear outstanding returns. The activities that we finance help families become more stable, put down roots, and climb the economic ladder. In turn, communities grow and prosper, broadening their tax base, creating new jobs, and maximizing local resources. OCHFA's work is truly a vehicle for economic growth, and it all starts at home.



Special District Reporting Information

Section 189.069, Florida Statutes

Legal Name: Orange County Housing Finance Authority (the "Authority"/ "OCHFA")

Purpose: The Authority was created pursuant to Orange County Ordinance No. 78-18 for the purpose of promoting and providing financial resources for affordable and workforce housing for Central Florida families and individuals as provided in the Florida Housing Finance Authority Law set forth in Part IV of Chapter 159, Florida Statutes.

Board: The Authority is governed by five members, all of which are appointed by the Board of County Commissioners of Orange County, Florida.  Pursuant to Section 159.605, Florida Statutes, not less than a majority of the board members must be knowledgeable in one of the following fields:  labor, finance, or commerce.  Terms of the board members are four (4) years, but members hold office until their successor has been appointed and qualified.  Board members receive no compensation for their services, but are entitled to necessary expenses, including travel expenses, incurred in the discharge of their duties. Board Secretary is W.D. Morris, whose email address is

Current members or the board are as follows:
Member Position Term Email
Mercedes F. McCall
December 31, 2023
Vernice Atkins-Bradley
Vice Chairwoman
December 31, 2020
Sascha Rizzo
Board Member
December 31, 2022
Curtis Hunter
Board Member
December 31, 2021
Albert G. Hanks
Board Member
December 31, 2020

Fiscal Year: The fiscal year of the Authority is October 1 through September 30 of each year.

Creation Document (Charter): The Authority was created pursuant to Orange County Ordinance No. 78-18 in accordance with the Florida Housing Finance Authority Law set forth in Part IV of Chapter 159, Florida Statutes.

Mailing Address: Orange County Housing Finance Authority, 2211 East Hillcrest Street, Orlando, Florida 32803.  The telephone number for the Authority is (407) 894-0014. It's website is located at

Boundaries: The Authority operates primarily within the geographical boundaries of Orange County, Florida, but, in accordance with certain interlocal agreements, also provides first-time homebuyer assistance to families and individuals located in Seminole, Osceola and Lake Counties, Florida.

Assessments: The Authority has no taxing power and does not collect any taxes or assessments.  The Authority does, however, collect certain fees from borrowers seeking or obtaining financing via the issuance of multifamily housing revenue bonds.  Such fees are set forth in the application(s) for funding which can be found on the Authority's Resoures for Developers webpage.

Primary Contact: The primary contact for the Authority is W.D. Morris, Executive Director/Chief Executive Officer, 2211 East Hillcrest Street, Orlando, Florida 32803, telephone: (407) 894-0014, email:

Code of Ethics: Members and officers of the Authority are governed by the general ethics laws of the State of Florida applicable to public officials Part III, Chapter 112, Florida Statutes.  The Authority has not adopted a separate code of ethics.

Adopted Budget: The Authority's Fiscal Year 2020/2021 Budget was adopted on September 2, 2015.

Audited Financial Statements: OCHFA's annual financial statements have been audited by The Nichols Group, P.A.. The audited financial statements have not been updated for developments subsequent to the date of the independent auditors' report. There should be no assumption that financial conditions or operations of the Authority have not changed since the date of the Statement. OCHFA's Annual Audited Financial Statement is available for download on the Authority's Investment Relations webpage.

The Orange County Housing Finance Authority's (OCHFA) is a public benefit, quasi-governmental organization whose mission is to promote and provide financial resources for affordable and workforce housing for Central Florida families and individuals. This is achieved by continually seeking out new and innovative financing products and funding sources and partners to maximize our efforts.  

Established in 1978 (Orange County BCC Ordinance 78-18) to stimulate and expand homeownership and rental housing opportunities in Central Florida (Orange, Osceola, Lake and Seminole Counties); the Authority's involvement in the affordable housing finance industry, contributes to and supports in sustaining the economic health and vitality of the Region, its communities and neighborhoods by providing financing resources for the development of housing for Central Florida residents.

The Authority, through Inter-Local Agreements issue Tax-Exempt Single-Family Housing Revenue Bonds, also issues Tax-Exempt Single-Family and Multi-Family Housing Revenue Bonds on behalf of Orange, Lake, Seminole and Osceola Counties.

These Boards of County Commissioners also authorizes the issuance of Single-Family and Multi-Family Bonds in their respective jurisdiction via authorizing Bond Resolutions. The Authority maintains full operation of these programs at no cost to the Inter-Local Counties. The Authority contributes its own monies to fund down-payment assistances programs in conjunction with the homeownership activity. Contribution funds make it possible for the Authority to offer Assisted Loans with competitive mortgage rates.

Nonprofit developers organized under IRS Code 501(c)(3) may partner in several ways with the Authority for production of affordable homeownership or rental housing.

Homes In Partnership, Inc. (HIP)
An Orange County based nonprofit developer engages in the Self-Help Builders Assistance Program (SHBAP) in conjunction with USDA Rural Development. The Authority in partnership with this endeavor provided a $500,000 line of credit to Homes In Partnership for two years at 0% interest. These funds are utilized for construction related costs in affordable housing development. Homes In Partnership serves the multi-county area to include Orange, Osceola, Seminole and Lake Counties.

Central Florida Housing And Neighborhood Development Services (H.A.N.D.S of Central Florida)
An Orange County nonprofit developer of Single Family and Multi-Family Housing in the multi-county area. Hands utilizes the Authority's Bond program for permanent financing of their single-family homes and utilizes the 501(c)(3) Multi-Family Bond program for acquisition and rehabilitation of apartments.

Orlando Neighborhood Improvement Corporation (ONIC)
A not-for-profit housing development company that has been developing affordable housing in Central Florida since 1989. ONIC has built an award-winning track record of creating well-designed, high-quality housing and living environments. Its communities include those where the units are all priced at affordable levels, as well as mixed-income developments in which affordable units are mixed in with market-rate units.