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      <MissionDesc>SEEKING TO PUT GOD'S LOVE INTO ACTION, SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE, INCLUDING CONSTRUCTION, REHABILITATION, AND REPAIR OF MODEST BUT ADEQUATE HOUSING. SEEKING TO PUT GOD'S LOVE INTO ACTION, SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY ADHERES TO A STRICT NON- PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.</MissionDesc>
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      <Desc>HOMEOWNERSHIP PROGRAM: SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BUILDS AND REHABS HOMES IN PARTNERSHIP WITH FAMILIES IN NEED OF A DECENT, SAFE, AFFORDABLE ENERGY-EFFICIENT PLACE TO LIVE. SAGINAW-SHIAWASSEE HABITAT FOR HUMANITYMAKES HOUSING AFFORDABLE BY USING THE LABOR OF VOLUNTEERS, PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS AND, WHEN POSSIBLE,DONATED CONSTRUCTION MATERAILS AND APPLIANCES. AFFORDABLE HOMEOWNERSHIPCAN FREE FAMILIES FROM INSTABILITY, FINANCIAL STRESS, AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. OWNING AFFORDABLE HOMES ALLOWS HOMEOWNERS TO LIFTTHEIR ENTIRE FAMILIES, GENERATING THE FOLLOWING FOR MANY FAMILIES:FINANCIAL SAVINGS FOR THEIR FUTURE BY BUILDING EQUITY AND FINANCIAL SKILLS,IMPROVED EDUCATIONAL RESULTS AFFORDED BY RESIDENTIAL STABILITY, AND BETTERPAYING JOBS MADE POSSIBLE BY IMPROVED TRANSPORTATION OPTIONS DUE TO LOWER HOUSING COSTS.</Desc>
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        <Desc>HOME PRESERVATION PROGRAM: OUR HOME PRESERVATION PROGRAM IS AN OUTREACH INITIATIVE THAT SEEKS TO PROVIDE A WIDE RANGE OF OPPORTUNITIES FOR LOW- INCOME HOMEOWNERS, INCLUDING VETERANS AND SENIORS, WHO ARE STRUGGLING TO MAINTAIN THEIR HOMES BECAUSE OF AGE, DISABILITY, OR FAMILY CIRCUMSTANCES. WE PARTNER WITH FAMILIES TO HELP THEM RECLAIM THEIR HOMES WITH PRIDE AND DIGNIGTY. THIS PROGRAM ALLOWS FAMILES TO STAY IN THEIR HOMES AND AVOID THE UNCERTAINTY, TRAUMA, AND EXPENSE OF MOVING. PROJECTS CONSIST OF INTERIOR AND/OR EXTERIOR REPAIRS INTENDED TO ALLEVIATE CRITICAL HEALTH, LIFE, AND SAFETY ISSUES OR CODE VIOLATIONS. VOLUNTEER TEM WORK ALONG WITH SUBCONTRACTORS UNDER THE DIRECTION OF SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY STAFF MEMBERS TO COMPLETE THE REPAIRS.</Desc>
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        <Desc>RESTORE - TWO RESTORE LOCATIONS OFFER NEW AND USED HOME GOODS AND BUILDING MATERIALS AT A REDUCED RATE FOR SALE TO THE PUBLIC. THE PROGRAM PROVIDES ASSISTANCE TO THE GENERAL PUBLIC AND RECYCLES GOODS DESTINED FOR LANDFILLS.</Desc>
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        <ManagementAndGeneralAmt>14345</ManagementAndGeneralAmt>
        <FundraisingAmt>10759</FundraisingAmt>
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        <ProgramServicesAmt>41352</ProgramServicesAmt>
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      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
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      <ReconcilationRevenueExpnssAmt>603029</ReconcilationRevenueExpnssAmt>
      <InvestmentExpenseAmt>-1118</InvestmentExpenseAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
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        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
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      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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    <IRS990ScheduleA documentId="RetDoc7">
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      <GrossReceiptsRltdActivitiesAmt>3855247</GrossReceiptsRltdActivitiesAmt>
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      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
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          <State>RESTRICTED</State>
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      <TotalBookValueLandBuildingsAmt>587135</TotalBookValueLandBuildingsAmt>
      <OtherSecuritiesGrp>
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        <MethodValuationCd>F</MethodValuationCd>
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      <RevenueNotReportedFinclStmtAmt>1118</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>1783787</TotalRevenuePerForm990Amt>
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      <ExpensesSubtotalAmt>1180758</ExpensesSubtotalAmt>
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        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <NoncashContributionsRptF990Amt>26501</NoncashContributionsRptF990Amt>
        <MethodOfDeterminingRevenuesTxt>FAIR MARKET VALUE</MethodOfDeterminingRevenuesTxt>
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      <AnyPropertyThatMustBeHeldInd>false</AnyPropertyThatMustBeHeldInd>
      <ReviewProcessUnusualNCGiftsInd>false</ReviewProcessUnusualNCGiftsInd>
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    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>SEEKING TO PUT GOD'S LOVE INTO ACTION, SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE, INCLUDING CONSTRUCTION, REHABILITATION, AND REPAIR OF MODEST BUT ADEQUATE HOUSING. SEEKING TO PUT GOD'S LOVE INTO ACTION, SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY ADHERES TO A STRICT NON- PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4A</FormAndLineReferenceDesc>
        <ExplanationTxt>HOMEOWNERSHIP PROGRAM: SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BUILDS AND REHABS HOMES IN PARTNERSHIP WITH FAMILIES IN NEED OF A DECENT, SAFE, AFFORDABLE ENERGY-EFFICIENT PLACE TO LIVE. SAGINAW-SHIAWASSEE HABITAT FOR HUMANITYMAKES HOUSING AFFORDABLE BY USING THE LABOR OF VOLUNTEERS, PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS AND, WHEN POSSIBLE,DONATED CONSTRUCTION MATERAILS AND APPLIANCES. AFFORDABLE HOMEOWNERSHIPCAN FREE FAMILIES FROM INSTABILITY, FINANCIAL STRESS, AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. OWNING AFFORDABLE HOMES ALLOWS HOMEOWNERS TO LIFTTHEIR ENTIRE FAMILIES, GENERATING THE FOLLOWING FOR MANY FAMILIES:FINANCIAL SAVINGS FOR THEIR FUTURE BY BUILDING EQUITY AND FINANCIAL SKILLS,IMPROVED EDUCATIONAL RESULTS AFFORDED BY RESIDENTIAL STABILITY, AND BETTERPAYING JOBS MADE POSSIBLE BY IMPROVED TRANSPORTATION OPTIONS DUE TO LOWER HOUSING COSTS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>BOARD REPRESENTATIVE REVIEW OF COMPLETED FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>REVIEWED VIA DISCLOSURES BY BOARD OF DIRECTORS AND STAFF.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>PERFORMANCE ASSESSMENTS PROVIDE A BASIS FOR COMPENSATION IN CONJUNCTION WITH MARKET ANALYSIS OF SIMILAR FUNCTIONS. COMPENSATION CONTRACTS ARE APPROVED BY THE BOARD.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE DIRECTOR APPROVES ALL OTHER EMPLOYEE WAGES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>AVAILABLE UPON REQUEST</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
