﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-10-15T10:57:23-04:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>592309183</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>HSCTUSCAN &amp; COMPANY PA</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>1470 ROYAL PALM SQUARE BLVD</AddressLine1Txt>
        <CityNm>FORT MYERS</CityNm>
        <StateAbbreviationCd>FL</StateAbbreviationCd>
        <ZIPCd>339191082</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>651046928</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>AFFORDABLE HOMEOWNERSHIP</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>FOUNDATION INC</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>AFFO</BusinessNameControlTxt>
      <PhoneNum>2396894944</PhoneNum>
      <USAddress>
        <AddressLine1Txt>5264 CLAYTON COURT SUITE 1</AddressLine1Txt>
        <CityNm>FORT MYERS</CityNm>
        <StateAbbreviationCd>FL</StateAbbreviationCd>
        <ZIPCd>33907</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>LOIS HEALY</PersonNm>
      <PersonTitleTxt>CEO</PersonTitleTxt>
      <PhoneNum>2396894944</PhoneNum>
      <SignatureDt>2025-09-24</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>JEFFREY M TUSCAN CPA</PreparerPersonNm>
      <PTIN>P00184439</PTIN>
      <PhoneNum>2399392233</PhoneNum>
      <PreparationDt>2025-10-14</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990 documentId="RetDoc3" referenceDocumentId="RetDoc6">
      <PrincipalOfficerNm>LOIS HEALY</PrincipalOfficerNm>
      <USAddress>
        <AddressLine1Txt>5264 CLAYTON COURT SUITE 1</AddressLine1Txt>
        <CityNm>FORT MYERS</CityNm>
        <StateAbbreviationCd>FL</StateAbbreviationCd>
        <ZIPCd>33907</ZIPCd>
      </USAddress>
      <GrossReceiptsAmt>1313008</GrossReceiptsAmt>
      <GroupReturnForAffiliatesInd>false</GroupReturnForAffiliatesInd>
      <Organization501c3Ind>X</Organization501c3Ind>
      <WebsiteAddressTxt>WWW.AHF.TODAY</WebsiteAddressTxt>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <FormationYr>2000</FormationYr>
      <LegalDomicileStateCd>FL</LegalDomicileStateCd>
      <ActivityOrMissionDesc>OUR MISSION IS TO HELP THE ECONOMICALLY VULNERABLE VETERANS, SENIORS, YOUTH AGING OUT OF FOSTER CARE, DISABLED AND HOMELESS INDIVIDUALS IN THE VERY LOW, LOW TO MODERATE INCOME AREA OF OUR REGION ACHIEVE FINANCIAL LITERACY, ATTAIN HOUSING STABILITY AND OR HOMEOWNERSHIP, PARTICIPATE IN THE AMERICAN DREAM, AND CONTRIBUTE TO MORE STABLE, VITAL NEIGHBORHOODS. TO CREATE THIS TRANSITION, WE OFFER ADVOCACY, EDUCATION, COUNSELING, AND WORK TO INCREASE THE AVAILABILITY OF SAFE, DECENT, AFFORDABLE HOUSING OPPORTUNITIES.</ActivityOrMissionDesc>
      <VotingMembersGoverningBodyCnt>6</VotingMembersGoverningBodyCnt>
      <VotingMembersIndependentCnt>6</VotingMembersIndependentCnt>
      <TotalEmployeeCnt>9</TotalEmployeeCnt>
      <TotalVolunteersCnt>20</TotalVolunteersCnt>
      <TotalGrossUBIAmt>0</TotalGrossUBIAmt>
      <PYContributionsGrantsAmt>805277</PYContributionsGrantsAmt>
      <CYContributionsGrantsAmt>1132976</CYContributionsGrantsAmt>
      <PYProgramServiceRevenueAmt>139073</PYProgramServiceRevenueAmt>
      <CYProgramServiceRevenueAmt>177825</CYProgramServiceRevenueAmt>
      <CYInvestmentIncomeAmt>0</CYInvestmentIncomeAmt>
      <PYOtherRevenueAmt>1003</PYOtherRevenueAmt>
      <CYOtherRevenueAmt>2207</CYOtherRevenueAmt>
      <PYTotalRevenueAmt>945353</PYTotalRevenueAmt>
      <CYTotalRevenueAmt>1313008</CYTotalRevenueAmt>
      <PYGrantsAndSimilarPaidAmt>8270</PYGrantsAndSimilarPaidAmt>
      <CYGrantsAndSimilarPaidAmt>120310</CYGrantsAndSimilarPaidAmt>
      <CYBenefitsPaidToMembersAmt>0</CYBenefitsPaidToMembersAmt>
      <PYSalariesCompEmpBnftPaidAmt>289935</PYSalariesCompEmpBnftPaidAmt>
      <CYSalariesCompEmpBnftPaidAmt>344731</CYSalariesCompEmpBnftPaidAmt>
      <CYTotalProfFndrsngExpnsAmt>0</CYTotalProfFndrsngExpnsAmt>
      <CYTotalFundraisingExpenseAmt>4556</CYTotalFundraisingExpenseAmt>
      <PYOtherExpensesAmt>455285</PYOtherExpensesAmt>
      <CYOtherExpensesAmt>503166</CYOtherExpensesAmt>
      <PYTotalExpensesAmt>753490</PYTotalExpensesAmt>
      <CYTotalExpensesAmt>968207</CYTotalExpensesAmt>
      <PYRevenuesLessExpensesAmt>191863</PYRevenuesLessExpensesAmt>
      <CYRevenuesLessExpensesAmt>344801</CYRevenuesLessExpensesAmt>
      <TotalAssetsBOYAmt>2766631</TotalAssetsBOYAmt>
      <TotalAssetsEOYAmt>3166810</TotalAssetsEOYAmt>
      <TotalLiabilitiesBOYAmt>580758</TotalLiabilitiesBOYAmt>
      <TotalLiabilitiesEOYAmt>636136</TotalLiabilitiesEOYAmt>
      <NetAssetsOrFundBalancesBOYAmt>2185873</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>2530674</NetAssetsOrFundBalancesEOYAmt>
      <InfoInScheduleOPartIIIInd>X</InfoInScheduleOPartIIIInd>
      <MissionDesc>OUR MISSION IS TO HELP THE ECONOMICALLY VULNERABLE VETERANS, SENIORS, YOUTH AGING OUT OF FOSTER CARE, DISABLED AND HOMELESS INDIVIDUALS IN THE VERY LOW, LOW TO MODERATE INCOME AREA OF OUR REGION ACHIEVE FINANCIAL LITERACY, ATTAIN HOUSING STABILITY AND OR HOMEOWNERSHIP, PARTICIPATE IN THE AMERICAN DREAM, AND CONTRIBUTE TO MORE STABLE, VITAL NEIGHBORHOODS. TO CREATE THIS TRANSITION, WE OFFER ADVOCACY, EDUCATION, COUNSELING, AND WORK TO INCREASE THE AVAILABILITY OF SAFE, DECENT, AFFORDABLE HOUSING OPPORTUNITIES.</MissionDesc>
      <SignificantNewProgramSrvcInd>false</SignificantNewProgramSrvcInd>
      <SignificantChangeInd>false</SignificantChangeInd>
      <ExpenseAmt>885241</ExpenseAmt>
      <RevenueAmt>177825</RevenueAmt>
      <Desc>WE SERVED OVER 850 CLIENTS AND HOUSED IN OUR SRO HOUSING OVER 25 HOMELESS OR PREVIOUSLY HOMELESS INDIVIDUALS. OUR HUD CERTIFIED HOUSING COUNSELING ASSISTED CLIENTS WITH EVICTION PREVENTION COUNSELING AND RESPONSIBLE RENTERS CLASSES TO HELP PREVENT EVICTION. WE BECAME PART OF THE "HOME COALITION" WHICH IS AN INTEGRAL PART OF THE COMMUNITY THAT WORKS ON THE AFFORABLE HOUSING ISSUES IN OUR COUNTRY THAT IS STREAMLINING THE PROCESS FOR FAMILIES AND INDIVIDUALS LOOKING FOR ASSISTANCE. WE REPAIRED OVER 30 HOMES AFFECTED BY HURRICANE IAN AND ARE PART OF THE LONG-TERM RECOVERY PROGRAM AS WELL AS A "RESILIENT HUB" THAT WORKS CLOSELY WITH THE RED CROSS BEFORE AND AFTER A DISASTER.</Desc>
      <TotalProgramServiceExpensesAmt>885241</TotalProgramServiceExpensesAmt>
      <DescribedInSection501c3Ind referenceDocumentId="RetDoc7">true</DescribedInSection501c3Ind>
      <ScheduleBRequiredInd referenceDocumentId="RetDoc1">true</ScheduleBRequiredInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>false</LobbyingActivitiesInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <DonorAdvisedFundInd referenceDocumentId="RetDoc4">false</DonorAdvisedFundInd>
      <ConservationEasementsInd referenceDocumentId="RetDoc4">false</ConservationEasementsInd>
      <CollectionsOfArtInd referenceDocumentId="RetDoc4">false</CollectionsOfArtInd>
      <CreditCounselingInd referenceDocumentId="RetDoc4">false</CreditCounselingInd>
      <DonorRstrOrQuasiEndowmentsInd referenceDocumentId="RetDoc4">false</DonorRstrOrQuasiEndowmentsInd>
      <ReportLandBuildingEquipmentInd referenceDocumentId="RetDoc4">true</ReportLandBuildingEquipmentInd>
      <ReportInvestmentsOtherSecInd referenceDocumentId="RetDoc4">false</ReportInvestmentsOtherSecInd>
      <ReportProgramRelatedInvstInd referenceDocumentId="RetDoc4">false</ReportProgramRelatedInvstInd>
      <ReportOtherAssetsInd referenceDocumentId="RetDoc4">false</ReportOtherAssetsInd>
      <ReportOtherLiabilitiesInd referenceDocumentId="RetDoc4">true</ReportOtherLiabilitiesInd>
      <IncludeFIN48FootnoteInd referenceDocumentId="RetDoc4">true</IncludeFIN48FootnoteInd>
      <IndependentAuditFinclStmtInd referenceDocumentId="RetDoc4">true</IndependentAuditFinclStmtInd>
      <ConsolidatedAuditFinclStmtInd referenceDocumentId="RetDoc4">false</ConsolidatedAuditFinclStmtInd>
      <SchoolOperatingInd>false</SchoolOperatingInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <ForeignActivitiesInd>false</ForeignActivitiesInd>
      <MoreThan5000KToOrgInd>false</MoreThan5000KToOrgInd>
      <MoreThan5000KToIndividualsInd>false</MoreThan5000KToIndividualsInd>
      <ProfessionalFundraisingInd>false</ProfessionalFundraisingInd>
      <FundraisingActivitiesInd>false</FundraisingActivitiesInd>
      <GamingActivitiesInd>false</GamingActivitiesInd>
      <OperateHospitalInd>false</OperateHospitalInd>
      <GrantsToOrganizationsInd referenceDocumentId="RetDoc5">false</GrantsToOrganizationsInd>
      <GrantsToIndividualsInd referenceDocumentId="RetDoc5">true</GrantsToIndividualsInd>
      <ScheduleJRequiredInd>false</ScheduleJRequiredInd>
      <TaxExemptBondsInd>false</TaxExemptBondsInd>
      <EngagedInExcessBenefitTransInd>false</EngagedInExcessBenefitTransInd>
      <PYExcessBenefitTransInd>false</PYExcessBenefitTransInd>
      <LoanOutstandingInd>false</LoanOutstandingInd>
      <GrantToRelatedPersonInd>false</GrantToRelatedPersonInd>
      <BusinessRlnWithOrgMemInd>false</BusinessRlnWithOrgMemInd>
      <BusinessRlnWithFamMemInd>false</BusinessRlnWithFamMemInd>
      <BusinessRlnWith35CtrlEntInd>false</BusinessRlnWith35CtrlEntInd>
      <DeductibleNonCashContriInd>false</DeductibleNonCashContriInd>
      <DeductibleArtContributionInd>false</DeductibleArtContributionInd>
      <TerminateOperationsInd>false</TerminateOperationsInd>
      <PartialLiquidationInd>false</PartialLiquidationInd>
      <DisregardedEntityInd>false</DisregardedEntityInd>
      <RelatedEntityInd>false</RelatedEntityInd>
      <RelatedOrganizationCtrlEntInd>false</RelatedOrganizationCtrlEntInd>
      <TrnsfrExmptNonChrtblRltdOrgInd>false</TrnsfrExmptNonChrtblRltdOrgInd>
      <ActivitiesConductedPrtshpInd>false</ActivitiesConductedPrtshpInd>
      <ScheduleORequiredInd>true</ScheduleORequiredInd>
      <IRPDocumentCnt>3</IRPDocumentCnt>
      <IRPDocumentW2GCnt>0</IRPDocumentW2GCnt>
      <EmployeeCnt>9</EmployeeCnt>
      <EmploymentTaxReturnsFiledInd>true</EmploymentTaxReturnsFiledInd>
      <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <TaxablePartyNotificationInd>false</TaxablePartyNotificationInd>
      <NondeductibleContributionsInd>false</NondeductibleContributionsInd>
      <QuidProQuoContributionsInd>false</QuidProQuoContributionsInd>
      <Form8282PropertyDisposedOfInd>false</Form8282PropertyDisposedOfInd>
      <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
      <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
      <Form8899Filedind>false</Form8899Filedind>
      <Form1098CFiledInd>false</Form1098CFiledInd>
      <IndoorTanningServicesInd>false</IndoorTanningServicesInd>
      <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      <SubjectToExcsTaxNetInvstIncInd>false</SubjectToExcsTaxNetInvstIncInd>
      <InfoInScheduleOPartVIInd>X</InfoInScheduleOPartVIInd>
      <GoverningBodyVotingMembersCnt>6</GoverningBodyVotingMembersCnt>
      <IndependentVotingMemberCnt>6</IndependentVotingMemberCnt>
      <FamilyOrBusinessRlnInd>false</FamilyOrBusinessRlnInd>
      <DelegationOfMgmtDutiesInd>false</DelegationOfMgmtDutiesInd>
      <ChangeToOrgDocumentsInd>false</ChangeToOrgDocumentsInd>
      <MaterialDiversionOrMisuseInd>false</MaterialDiversionOrMisuseInd>
      <MembersOrStockholdersInd>false</MembersOrStockholdersInd>
      <ElectionOfBoardMembersInd>false</ElectionOfBoardMembersInd>
      <DecisionsSubjectToApprovaInd>false</DecisionsSubjectToApprovaInd>
      <MinutesOfGoverningBodyInd>true</MinutesOfGoverningBodyInd>
      <MinutesOfCommitteesInd>true</MinutesOfCommitteesInd>
      <OfficerMailingAddressInd>false</OfficerMailingAddressInd>
      <LocalChaptersInd>false</LocalChaptersInd>
      <Form990ProvidedToGvrnBodyInd>true</Form990ProvidedToGvrnBodyInd>
      <ConflictOfInterestPolicyInd>true</ConflictOfInterestPolicyInd>
      <AnnualDisclosureCoveredPrsnInd>true</AnnualDisclosureCoveredPrsnInd>
      <RegularMonitoringEnfrcInd>true</RegularMonitoringEnfrcInd>
      <WhistleblowerPolicyInd>true</WhistleblowerPolicyInd>
      <DocumentRetentionPolicyInd>true</DocumentRetentionPolicyInd>
      <CompensationProcessCEOInd>true</CompensationProcessCEOInd>
      <CompensationProcessOtherInd>true</CompensationProcessOtherInd>
      <InvestmentInJointVentureInd>false</InvestmentInJointVentureInd>
      <StatesWhereCopyOfReturnIsFldCd>FL</StatesWhereCopyOfReturnIsFldCd>
      <OwnWebsiteInd>X</OwnWebsiteInd>
      <OtherWebsiteInd>X</OtherWebsiteInd>
      <UponRequestInd>X</UponRequestInd>
      <BooksInCareOfDetail>
        <PersonNm>THE ORGANIZATION</PersonNm>
        <PhoneNum>2396894944</PhoneNum>
        <USAddress>
          <AddressLine1Txt>5264 CLAYTON COURT SUITE 1</AddressLine1Txt>
          <CityNm>FORT MYERS</CityNm>
          <StateAbbreviationCd>FL</StateAbbreviationCd>
          <ZIPCd>33907</ZIPCd>
        </USAddress>
      </BooksInCareOfDetail>
      <Form990PartVIISectionAGrp>
        <PersonNm>LOIS HEALY</PersonNm>
        <TitleTxt>CEO</TitleTxt>
        <AverageHoursPerWeekRt>50.00</AverageHoursPerWeekRt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>82000</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>HOWARD ATKIN</PersonNm>
        <TitleTxt>DIRECTOR/VP</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>DARRYL CLARE</PersonNm>
        <TitleTxt>DIRECTOR/SEC</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>GARY DONABED</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MARY DUSSAULT</PersonNm>
        <TitleTxt>DIRECTOR/PRE</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>TONY NEAL</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>GARRITT PANKRATZ</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>82000</TotalReportableCompFromOrgAmt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>HEMMER CONSTRUCTION</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>1960 SEWARD AVENUE</AddressLine1Txt>
            <CityNm>NAPLES</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>34109</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>520469</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>1</CntrctRcvdGreaterThan100KCnt>
      <GovernmentGrantsAmt>931101</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>201875</AllOtherContributionsAmt>
      <NoncashContributionsAmt>21735</NoncashContributionsAmt>
      <TotalContributionsAmt>1132976</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>LOW INCOME HOUSING</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>136223</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>136223</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>GAIN/LOSS ON PROPERTY</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>38420</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>38420</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>HOMEBUYER EDUCATION</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>3182</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>3182</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>177825</TotalProgramServiceRevenueAmt>
      <OtherRevenueMiscGrp>
        <Desc>MISCELLANEOUS</Desc>
        <BusinessCd>453000</BusinessCd>
        <TotalRevenueColumnAmt>2207</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>2207</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>2207</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1313008</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>180032</RelatedOrExemptFuncIncomeAmt>
      </TotalRevenueGrp>
      <GrantsToDomesticIndividualsGrp>
        <TotalAmt>120310</TotalAmt>
        <ProgramServicesAmt>120310</ProgramServicesAmt>
      </GrantsToDomesticIndividualsGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>82000</TotalAmt>
        <ProgramServicesAmt>74543</ProgramServicesAmt>
        <ManagementAndGeneralAmt>6396</ManagementAndGeneralAmt>
        <FundraisingAmt>1061</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>234022</TotalAmt>
        <ProgramServicesAmt>212742</ProgramServicesAmt>
        <ManagementAndGeneralAmt>18253</ManagementAndGeneralAmt>
        <FundraisingAmt>3027</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>2606</TotalAmt>
        <ProgramServicesAmt>1955</ProgramServicesAmt>
        <ManagementAndGeneralAmt>521</ManagementAndGeneralAmt>
        <FundraisingAmt>130</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>26103</TotalAmt>
        <ProgramServicesAmt>23729</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2036</ManagementAndGeneralAmt>
        <FundraisingAmt>338</FundraisingAmt>
      </PayrollTaxesGrp>
      <AdvertisingGrp>
        <TotalAmt>328</TotalAmt>
        <ProgramServicesAmt>328</ProgramServicesAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>33551</TotalAmt>
        <ProgramServicesAmt>30196</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3355</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>19140</TotalAmt>
        <ProgramServicesAmt>14355</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4785</ManagementAndGeneralAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>33176</TotalAmt>
        <ProgramServicesAmt>29858</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3318</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>5286</TotalAmt>
        <ProgramServicesAmt>4757</ProgramServicesAmt>
        <ManagementAndGeneralAmt>529</ManagementAndGeneralAmt>
      </TravelGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>808</TotalAmt>
        <ProgramServicesAmt>404</ProgramServicesAmt>
        <ManagementAndGeneralAmt>404</ManagementAndGeneralAmt>
      </ConferencesMeetingsGrp>
      <InterestGrp>
        <TotalAmt>42232</TotalAmt>
        <ProgramServicesAmt>38009</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4223</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>90299</TotalAmt>
        <ProgramServicesAmt>85784</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4515</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>79357</TotalAmt>
        <ProgramServicesAmt>59518</ProgramServicesAmt>
        <ManagementAndGeneralAmt>19839</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>PROPERTY HOLDING COSTS</Desc>
        <TotalAmt>116048</TotalAmt>
        <ProgramServicesAmt>116048</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>CONSULTING</Desc>
        <TotalAmt>43819</TotalAmt>
        <ProgramServicesAmt>39437</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4382</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>LICENSES AND PROFESSIONAL</Desc>
        <TotalAmt>19224</TotalAmt>
        <ProgramServicesAmt>17302</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1922</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>UTILITIES</Desc>
        <TotalAmt>7220</TotalAmt>
        <ProgramServicesAmt>6498</ProgramServicesAmt>
        <ManagementAndGeneralAmt>722</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>12678</TotalAmt>
        <ProgramServicesAmt>9468</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3210</ManagementAndGeneralAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>968207</TotalAmt>
        <ProgramServicesAmt>885241</ProgramServicesAmt>
        <ManagementAndGeneralAmt>78410</ManagementAndGeneralAmt>
        <FundraisingAmt>4556</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>58221</BOYAmt>
        <EOYAmt>35297</EOYAmt>
      </CashNonInterestBearingGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>101656</BOYAmt>
        <EOYAmt>101411</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <AccountsReceivableGrp>
        <BOYAmt>3000</BOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>6548</BOYAmt>
        <EOYAmt>2548</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>128615</BOYAmt>
        <EOYAmt>45663</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <LandBldgEquipCostOrOtherBssAmt>3409220</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>427329</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>2439112</BOYAmt>
        <EOYAmt>2981891</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>29479</BOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>2766631</BOYAmt>
        <EOYAmt>3166810</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>148466</BOYAmt>
        <EOYAmt>142993</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>200551</BOYAmt>
        <EOYAmt>193556</EOYAmt>
      </MortgNotesPyblScrdInvstPropGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>231741</BOYAmt>
        <EOYAmt>299587</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>580758</BOYAmt>
        <EOYAmt>636136</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>2185873</BOYAmt>
        <EOYAmt>2530674</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>2185873</BOYAmt>
        <EOYAmt>2530674</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>2766631</BOYAmt>
        <EOYAmt>3166810</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>344801</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc7">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>609519</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>651636</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>288890</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>805277</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1132976</CurrentTaxYearAmt>
        <TotalAmt>3488298</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>609519</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>651636</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>288890</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>805277</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1132976</CurrentTaxYearAmt>
        <TotalAmt>3488298</TotalAmt>
      </TotalCalendarYear170Grp>
      <PublicSupportTotal170Amt>3488298</PublicSupportTotal170Amt>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>250</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>200</CurrentTaxYearMinus3YearsAmt>
        <TotalAmt>450</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>3488748</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>828855</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.99990</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.99820</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART II, LINE 10</FormAndLineReferenceDesc>
        <ExplanationTxt>450</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc4">
      <LandGrp>
        <OtherCostOrOtherBasisAmt>209466</OtherCostOrOtherBasisAmt>
        <BookValueAmt>209466</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>2951333</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>388091</DepreciationAmt>
        <BookValueAmt>2563242</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>16803</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>12750</DepreciationAmt>
        <BookValueAmt>4053</BookValueAmt>
      </EquipmentGrp>
      <OtherLandBuildingsGrp>
        <OtherCostOrOtherBasisAmt>195833</OtherCostOrOtherBasisAmt>
        <BookValueAmt>195833</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>2972594</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>LINE OF CREDIT</Desc>
        <Amt>294037</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>TENANT DEPOSITS</Desc>
        <Amt>5550</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>299587</TotalLiabilityAmt>
      <FootnoteTextInd>X</FootnoteTextInd>
      <TotalRevEtcAuditedFinclStmtAmt>1313008</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>1313008</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>1313008</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>968207</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>968207</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>968207</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FINANCIAL ACCOUNTING STANDARDS BOARD HAS ISSUED GUIDANCE ON ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES AND THE FOUNDATION HAS ADOPTED THIS GUIDANCE. THE FOUNDATION HAS EVALUATED ITS TAX POSITIONS AND ANY ESTIMATES UTILIZED IN ITS TAX RETURNS, AND CONCLUDED THAT IT HAS TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS TO COMPLY WITH THE PROVISIONS OF THIS GUIDANCE. INTEREST AND PENALTIES ASSOCIATED WITH UNCERTAIN TAX POSITIONS WILL BE RECOGNIZED IN INCOME TAX EXPENSE, IF REQUIRED.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleI documentId="RetDoc5">
      <GrantRecordsMaintainedInd>false</GrantRecordsMaintainedInd>
      <GrantsOtherAsstToIndivInUSGrp>
        <GrantTypeTxt>HOME RESTORATION</GrantTypeTxt>
        <RecipientCnt>2</RecipientCnt>
        <NonCashAssistanceAmt>120310</NonCashAssistanceAmt>
        <ValuationMethodUsedDesc>FMV</ValuationMethodUsedDesc>
        <NonCashAssistanceDesc>CONSTRUCTION</NonCashAssistanceDesc>
      </GrantsOtherAsstToIndivInUSGrp>
    </IRS990ScheduleI>
    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>OUR MISSION IS TO HELP THE ECONOMICALLY VULNERABLE VETERANS, SENIORS, YOUTH AGING OUT OF FOSTER CARE, DISABLED AND HOMELESS INDIVIDUALS IN THE VERY LOW, LOW TO MODERATE INCOME AREA OF OUR REGION ACHIEVE FINANCIAL LITERACY, ATTAIN HOUSING STABILITY AND OR HOMEOWNERSHIP, PARTICIPATE IN THE AMERICAN DREAM, AND CONTRIBUTE TO MORE STABLE, VITAL NEIGHBORHOODS. TO CREATE THIS TRANSITION, WE OFFER ADVOCACY, EDUCATION, COUNSELING, AND WORK TO INCREASE THE AVAILABILITY OF SAFE, DECENT, AFFORDABLE HOUSING OPPORTUNITIES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS PRESENTED, DISCUSSED AND APPROVED AT A BOARD MEETING PRIOR TO FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY, BOARD MEMBERS, EMPLOYEES AND VOLUNTEERS ARE REQUIRED TO SIGN THE CONFLICT OF INTEREST POLICY. THE POLICY IS ENFORCED MONTHLY OR WHENEVER A CONFLICT SHOULD ARISE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>INFORMATION IS REVIEWED BY OUR HR/ACCOUNTANT AND ADVISES THE ORGANIZATION OF COMPARABLE COMPENSATION OF ALL TOP MANAGEMENT AND THE CEO DISCUSSES THIS WITH THE BOARD OF DIRECTORS WHO THEN DETERMINES COMPENSATION PACKAGES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>INFORMATION IS REVIEWED BY OUR HR/ACCOUNTANT AND ADVISES THE ORGANIZATION OF COMPARABLECOMPENSATION OF ALL KEY EMPLOYEES DISCUSSES THIS WITH THE BOARD OF DIRECTORS WHO THEN DETERMINES COMPENSATION PACKAGES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FOUNDATION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>