Arcadia DeSoto County Habitat for Humanity Inc
10 South DeSoto Avenue
Arcadia FL 34266
Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope. 
CEO/Executive Director Mrs. Jennifer Bowser
Board Chair Ms. Judie Neeley
Board Chair Affiliation retired
General Info
Organization DBA
Arcadia-DeSoto County Habitat for Humanity
Tax Exempt Status Public Supported Charity
Incorporation Year 1987
State Charitable Solicitations Permit Yes Feb 2019
State Registration Yes Dec 2018
Financial Summary
Note: Revenue includes the value of in-kind contributions/donations
IRS Letter of Determination
IRS Blanket ExemptionView
Other Documents
Brochure generalView
Sweat Equity GuidelinesView
Fair Housing Equity AssessmentView
Clean up Credit EducationView
Impact Statement

The impact our organization makes on the community and the families we serve is profound. Our mission of providing decent affordable housing is an economic engine for our community. Our Habitat families pay property taxes and homeowners insurance, we support the local economy by hiring subcontractors in our community, and our ReStore provides savings for clothing and household items.


•86 community members attended “HomeED” workshops, which teach skills for successful homeownership. HomeEd is a monthly class taught by local experts, and include topics like home maintenance, budgeting and credit repair, and energy conservation to name a few.

•We built new Green Certified homes for two partner families.

•Critical Home Repairs were completed for three households. These repairs are completed by Arcadia Habitat construction workers in partnership with Thrivent Builds to enable Veterans, the elderly, or disabled individuals to remain in their home by repairing or retrofitting the home to meet their need

•HUD approved our Pre-Purchase Homebuyer Education & Counseling Program - HomeReady - Eight households were served since June; this program is open to all DeSoto County residents.



•In 2017-2018 Arcadia DeSoto CO Habitat is planning to build 1-2 new homes for working families. To date we have completed 29 homes for low-income families that would otherwise not have the ability to realize their dream of homeownership in DeSoto County.

•Capital Improvements to the ReStore facility; repave parking lot, Repair damage caused by hurricane Irma, replace roof, and remodel to better utilize space.

•Critical Home Repair Program to continue repairs and modifications to allow veterans, seniors, or disabled individuals remain in their home.

•HUD Pre-Purchase Homebuyer Education - Six Workshops are planned for 2018 with the expectation of serving 60 households.  


Needs Statement

1. Land Development: $35,000.  DeSoto County BOCC has donated a plot of land that can be subdivided into 7 buildable lots. Sewer and Water lines are available to connect to, but they must first be installed adjacent to the plot. Each lot also needs to be cleared and prepped for building. The estimated cost of this work is $5000 per lot.

2. Home Construction Material Sponsorship:  With our goal of building 1-2 homes this year we will need building partners to purchase materials through a monthly giving partnership as follows:

•$15/mo.           Painting Partner

•$30/mo.           Nailing Partner

•$50/mo.           Framing Partner

•$100/mo.         Roofing Partner

•$200/mo.         Foundation Partner

One time gifts and gifts of any size are always welcome. The average cost for materials is $65,000 for each home.

Background Statement

Arcadia DeSoto County Habitat for Humanity is part of a global, nonprofit housing organization (Habitat for Humanity International) operated on Christian principles that seek to put God's love into action by building homes, communities and hope. Arcadia DeSoto County Habitat for Humanity is dedicated to eliminating substandard housing locally and worldwide through constructing, rehabilitating and preserving homes; by advocating for fair trade and just housing policies; and by providing training and access to resources to help families improve their shelter conditions. Habitat for Humanity was founded on the conviction that every man, woman and child should have a simple, durable place to live in dignity and safety, and that decent shelter in decent communities should be a matter of conscience and action for all.

Arcadia DeSoto County Habitat for Humanity is celebrating its 18th anniversary this year. The agency’s mission is to partner with God and community to provide decent, affordable housing for people in need so they may build better lives for their families. To date, 29 homes have been completed.

Arcadia Habitat provides safe, affordable homes to low-income working families. A volunteer workforce provides on average 500 labor-hours per home, resulting in a reduction in construction cost. The organization builds new homes (and renovates purchased properties) with an emphasis on energy efficient features using Green Building recommended building materials and techniques for sustainability, culminating in lower monthly expenses for homeowners.

The agency serves low income families, as defined by HUD income guidelines who a) demonstrate the need for improved and affordable housing; b) are willing to partner with Habitat for a minimum of 300 sweat equity hours; and c) are able to pay the affordable mortgage and still be able to manage their household finances. Qualified applicants are required to participate in a series of homebuyer education classes and provide a down payment of $1,000 prior to closing on their home. A typical Habitat partner family completes this process within one to two years.

Our affiliate operates a successful ReStore location in the community which sells donated furniture and home improvement materials to support our mission. The ReStore Revenue covers 93% of administrative costs.

Areas Served
Areas Served
FL- DeSoto
Areas Served Comments
 DeSoto County, Florida
Service Categories
Primary Org Type Housing, Shelter
Secondary Org Type Community Improvement, Capacity Building
Tertiary Org Type Community Improvement, Capacity Building
Statement from the Board Chair/Board President



As the designated ‘Poorest county in Florida’, DeSoto County has enormous needs and critically limited resources to help the poor. We work very hard when screening new applicants to make sure that beyond needing a new home, that they are able to both afford and maintain that new home. We want to try to do everything we can to ensure that we have only success stories. We want our new homeowners to be in their new homes for many, many years to come.


We accomplish this through financial counseling by local lenders and monthly classes taught by members of the Board and the community at large on everything from simple home maintenance like changing air conditioning filters to buying a quality used vehicle. Sweat equity is a part of becoming a Habitat homeowner and is earned through working on other Habitat homeowners’ homes, our local ReStore and finally on the homeowners’ own homes.


We have been blessed to have outstanding and talented individuals working for our local affiliate, both staff and volunteers work diligently for our mission. We are constantly looking at obtaining grants, fundraising and any other means to keep building houses for those who desperately need and deserve them.

Our Board members are local folks who believe in everything Habitat stands for and work hard to help promote Habitat in our community. Several work almost full time as Habitat volunteers in the ReStore. Others donate their time and talents in their own jobs as appraisers, Realtor's and lenders. We all work for the same thing – safe and affordable housing for everyone in DeSoto county.

Judie Neeley

Board President

Statement from the CEO/Executive Director


January 9, 2018


Community members who dreamed of a hometown where the community could come together and end poverty housing, founded Arcadia-DeSoto County Habitat for Humanity. Over the last 18 years, dozens of families have received a hand up, allowing them to break out of the cycle of poverty and live in a decent, safe home – and we are still counting.


Our aim is to help low-income working families realize the dream of homeownership. Stable homes are the foundation for children to succeed in school, stay healthy, and go on to become responsible, capable adults. Everything we do is aimed at breaking the cycle of generational poverty through successful homeownership.


We would love the opportunity to meet you and work side by side to make our founding members’ dream a reality. We look forward to welcoming you to the Habitat for Humanity family. Whether working on a new home build site; in the ReStore selling items to raise funds; donating to make a family’s dream come true; or helping out in the office; you are needed and appreciated at Arcadia-DeSoto County Habitat for Humanity.


Warmest Regards,

Jennifer Bowser

Executive Director

  • Constructing and building simple, decent, affordable houses
  • Zero interest mortgage
  • Provides a safe, healthy,home for children
  • Low-Income home-buyer 
  • FL Green Build Certified Homes 
Budget $100,000
Category Housing, General/Other Affordable Housing
Program Linked to Organizational Strategy Yes
Population Served Families Homeless At-Risk Populations
Short Term Success
The goal of homeownership provides a short term focus with high end results displayed by the individuals sweat equity. Many low income families have a hand to mouth mindset . Credit counseling provides higher credit scores and lower insurance costs. HAC reports that 47% of DeSoto County population are denied homeownership because of low credit. Homeownership means less disruption in the school year and less strain to the family for moving costs and hook up fees, etc.
Long Term Success
  • First time home-buyers means increased tax base for the community.
  • Homeownership results in long term stability for the whole family.
  • According to TheNational Education Association, home ownership results in higher levels of academic achievement, better health, and fewer problematic behaviors in children.
  • The program provides "Life Skills" as a result of the monthly Homeowner Education Classes.
Program Success Monitoring
Success results are measured by building and housing three or more homes a year. Successes are the raised credit scores of homeowners. Accomplishments are the better grades of our children.Success is increased tax base in community retention of working families.
Program Success Examples
  • We recognize childrens academic accomplishments at the home dedications.
  • One in three homeowners are the first in their family to send a child to college.
  • Job retention in 3 out of 4 of our homeowners shows success.


A home preservation program that provides needed interior /exterior home repairs for low income seniors,veterans and physically disabled individuals; allowing them to remain in their homes. The program focuses on safety, security, accessibility, weatherization and keeping houses up to code.
Budget $45,000
Category Housing, General/Other Home Repair Programs
Program Linked to Organizational Strategy Yes
Population Served Elderly and/or Disabled People/Families with of People with Physical Disabilities Poor,Economically Disadvantaged,Indigent
Short Term Success
Economically challenged seniors, veterans, and disabled individuals are provided zero interest loans to make repairs on their homes that will allow them to remain in their homes. Repair costs are kept low through the use of Habitat Volunteer labor, and payments are set at an affordable amount after the work is completed.
Long Term Success
30 Critical Home Repairs have been completed to date.
Program Success Monitoring
100% Successful implementation of the Critical Home Repair program is evidenced in the ability of recipients to be able to remain in their home with greater safety, and accessibility.
Program Success Examples
Two homeowners recently were able to move back, from the nursing home, into their own home to live humanely and without barriers. These individuals would have needed to remain in the nursing care facility had the modifications to their home not been completed, and neither of them had the means to pay up front for the work.

HomeReady is a HUD approved Pre-Purchase Homebuyer Education & Counseling Program. This is not a Habitat only program; all residents of DeSoto County are invited to participate. One-on-One Counseling is available related to all Workshop topics.

Workshop topics include:
  • Are You Ready to Purchase a Home
  • Managing Your Money
  • Understanding Credit
  • Getting a Mortgage Loan
  • Shopping for a Home
  • Keeping your Home
Budget $20,000
Category Housing, General/Other Housing Counseling
Program Linked to Organizational Strategy Yes
Population Served Families Adults At-Risk Populations
Short Term Success

100% of participants will be equipped to make informed decisions regarding purchasing a home.

HUD Pre-Purchase Homebuyer Education & Counseling provides tools and skills for successful homeownership. Participants learn their rights and responsibilities related to purchasing a home. They gain knowledge about the home purchase process, and are empowered to make informed decisions with their finances.
Long Term Success

HUD has determined that the main factor for reducing foreclosure and facilitating long term homebuyer success is Pre-Purchase Education & Counseling. The ongoing support offered through the program can assist homebuyers in every step of the process, help them to plan for unforeseen contingencies, and make wise decisions to avoid the financial catastrophe of losing their home investment.

Program Success Monitoring

 Success is measured through the one-on-one contact with clients. Action plans are developed to assist each client with their unique circumstances. Workshops include surveys to monitor comprehension of presented material.

Program Success Examples

Our first client reported success in creating her household budget after receiving Counseling and assistance in financial management. She stated " now I know where my money is going". This has allowed her to pay her bills on time and improve her credit standing.

CEO/Executive Director
CEO/Executive Director Mrs. Jennifer Bowser
CEO Term Start Dec 2017
CEO/Executive Director Email
  • 2 Years Program Manager for Habitat affiliate
  • Completed New Habitat Executive Director Training Program
  • Former Business Owner / Manager -12 Years
  • Competent Person Safety Certification 2017-2020
  • Associates in Specialized Business Degree
Former CEOs/Executive Directors
Mr. Robert Baumann 2002 - 2004
Jane Breylinger June 2008 - Nov 2017
Senior Staff
Ms. Kathie Alderman Major Funding Director
Ms. Jennifer Bowser Executive Director
Ms. Betty Brewer Bookeeper
Mr. Shawn Campbell ReStore Manager
Staff & Volunteer Statistics
Full Time Staff 4
Part Time Staff 4
Staff Retention Rate % 50
Professional Development Yes
Contractors 0
Volunteers 428
Management Reports to Board Yes
CEO/Executive Director Formal Evaluation Yes
Senior Management Formal Evaluation Yes
Non-Management Formal Evaluation N/A
  • Legacy of Valor
  • DeSoto County Chamber of Commerce 
  • Habitat for Humanity International 
  • Leadership DeSoto
  • DeSoto County Ministerial Fellowship 
  • Rotary Club of Arcadia
  • Links to Success
  • Modern Woodsman
  • Veterans Council of DeSoto County 
  • DeSoto High School
  • DeSoto Cares Homeless Services
  • DeSoto County Moose Lodge
External Assessments and Accreditations
Risk Management Provisions
Government Licenses
Organization Licensed by the Government No
Fundraising Plan Yes
Communication Plan Yes
Strategic Plan Yes
Strategic Plan Years 3
Strategic Plan Adopted Mar 2016
Management Succession Plan Yes
Continuity of Operations Plan Yes
Nondiscrimination Policy Yes
Whistle Blower Policy Yes
Document Destruction Policy No
Directors and Officers Insurance Policy Yes
Policies and Procedures Yes
Management Comments by Organization
Arcadia Moose Lodge has granted us use of an office facility without fee. Lower overhead expense will enable us to come closer to our goal of ReStore revenue covering all administrative costs.
Other Documents
Board Chair
Board Chair Ms. Judie Neeley
Company Affiliation retired
Board Term Jan 2014 to Dec 2017
Board Chair Email
Board Members
Board Members
Mr. Timothy Backer Backer Appraisals
Dr. Brian Deery South Florida State College
Rev. Theodore Hanus Retired
Mr. Eugene Heitman Sr.Arcadia Abstract & Title Co. Inc
Ms. Bonnie Malloy Radio Shack
Mrs. Mitzie McGavic Retired
Mr. Terry Moe Jesus Christ Latter Day Saints
Mrs. Nancy Moe Jesus Christ Latter Day Saints
Ms. Judie Neeley Retired
Mr. Roberto San Luis Retired
Mrs. Kayla Shelfer Fantastic Sams
Mr. Luis Velasco Hackney, Ames & Co. CPA
Constituency Includes Client Representation No
Board Ethnicity
African American/Black 0
Asian American/Pacific Islander 1
Caucasian 10
Hispanic/Latino 1
Native American/American Indian 0
Other 0 0
Board Gender
Male 7
Female 5
Unspecified 0
Board Term Lengths 3
Board Term Limits 2
Board Orientation Yes
Number of Full Board Meetings Annually 9
Board Meeting Attendance % 79
Board Self-Evaluation Yes
Written Board Selection Criteria Yes
Board Conflict of Interest Policy Yes
% of Board Making Monetary Contributions 100
% of Board Making In-Kind Contributions 100
Standing Committees
Community Outreach / Community Relations
Housing and Community Development
Governance Comments by Organization
 Our Board of Directors are committed to the Habitat for Humanity Mission. Every board member either serves on a committee or actively volunteers. Board donor participation is 100%.
Current Year Projections
Tax Year Start Month July
Tax Year Start Day 01
Tax Year Begins 2017
Tax Year End Month June
Tax Year End Day 30
Tax Year Ends 2018
Projected Revenue $806,000.00
Projected Expenses $826,872.00
Total Projected Revenue includes "in-kind" contributions/ donations Yes
Organization has Endowment No
Endowment Spending Policy N/A
Capital Campaign
Currently In a Capital Campaign Yes
Anticipate Campaign within 5 years? Yes
Campaign Purpose

Repair and Update ReStore facility; repave parking lot, repair damage caused by hurricane Irma to signs and windows, replace roof, remodel facility to better utilize space.


Campaign Goal $53,600.00
Campaign Dates Jan 2018 to Dec 2020
Amount Raised To Date 2000 as of Jan 2018
Financial Review
Revenue SourcesHelpThe financial analysis involves a comparison of the IRS Form 990 and the audit report (when available) and revenue sources may not sum to total based on reconciliation differences. Revenue from foundations and corporations may include individual contributions when not itemized separately.
Fiscal Year201720162015
Foundation and
Corporation Contributions
Government Contributions$0$0$0
Individual Contributions$134,333$116,937$178,592
Investment Income, Net of Losses$0$0$53
Membership Dues$0$0$0
Special Events$39,067$16,276$20,289
Revenue In-Kind$32,480$29,283$78,150
Expense Allocation
Fiscal Year201720162015
Program Expense$770,025$1,041,354$1,056,964
Administration Expense$50,836$60,548$48,914
Fundraising Expense$70,475$38,873$44,247
Payments to Affiliates$1,000$1,000$800
Total Revenue/Total Expenses0.820.931.18
Program Expense/Total Expenses86%91%92%
Fundraising Expense/Contributed Revenue41%14%7%
Assets and Liabilities
Fiscal Year201720162015
Total Assets$978,500$1,046,824$1,193,795
Current Assets$606,344$337,155$571,294
Long-Term Liabilities$529,567$381,649$214,467
Current Liabilities$54,367$113,289$351,548
Total Net Assets$394,566$551,886$627,780
Top Funding Sources
Fiscal Year201720162015
Top Funding Source & Dollar AmountRetail Sales $278,849Sales of Homes $434,161Sales of Homes $493,913
Second Highest Funding Source & Dollar AmountSales of Homes $245,177Retail Sales $308,671Foundation & Corporate Support $396,610
Third Highest Funding Source & Dollar AmountContributions, gifts, grants $134,333Foundation & Corporate Support $147,615Retail Sales $221,749
CEO/Executive Director Compensation $0 - $50,000
Tax Credits No
Short Term Solvency
Fiscal Year201720162015
Current Ratio: Current Assets/Current Liabilities11.152.981.63
Long Term Solvency
Fiscal Year201720162015
Long-Term Liabilities/Total Assets54%36%18%
Financials Comments
Financial Comments by Organization
Our current budget reflects conservative income goals and realistic expenses budgeted.
Financial Comments by Foundation Financial information taken from IRS Form 990 and audit documents.  Individual contributions include foundation and corporate support.   
Nonprofit Arcadia DeSoto County Habitat for Humanity Inc
Address 10 South DeSoto Avenue
Arcadia, FL 34266
Phone 863 494-4118