2025-12-02T12:09:11-06:00 2025-06-30 393647910 WIPFLI ADVISORY LLC 2725 ROCKY MOUNTAIN AVE STE 400 LOVELAND CO 80538 990 2024-07-01 841066816 LOVELAND HABITAT FOR HUMANITY INC LOVE 9706699769 PO BOX 56 LOVELAND CO 80539 CINDI HAMMOND EXECUTIVE DIRECTOR 9706699769 2025-11-05 1 1 HOLLY SCHMIDT P01867045 3037590089 2025-11-04 2024 2025-03-06 01:10:19Z CINDI HAMMOND PO BOX 56 LOVELAND CO 80539 3960113 0 X WWW.LOVELANDHABITATFORHUMANITY.ORG X 1987 CO THROUGH SHELTER, LOVELAND HABITAT FOR HUMANITY BUILDS STRENGTH, STABILITY AND SELF-RELIANCE FOR INDIVIDUALS AND FAMILIES IN OUR COMMUNITY. WE HAVE A VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. IN PARTNERSHIP WITH DONORS, VOLUNTEERS AND PARTNER FAMILIES, LOVELAND HABITAT BUILDS HOMES TO IMPROVE AND EMPOWER THOSE WE SERVE. OUR AFFILIATE IS AN INDEPENDENTLY OPERATED AND GOVERNED ENTITY RESPONSIBLE FOR RAISING FUNDS TO SUPPORT OUR COMMUNITY. AS AN AFFILIATE OF HABITAT FOR HUMANITY INTERNATIONAL, WE HELP ADVANCE THE MISSION TO PUT GOD'S LOVE INTO ACTION BY BRINGING PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE. WE ADHERE TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT BASE ANY OFFER OF ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE ADHERE OR CONVERT TO A PARTICULAR FAITH. 6 6 36 756 0 0 1369342 665472 2643652 672877 968689 810454 1076223 1213434 6057906 3362237 35000 24000 0 0 1298773 1274663 0 0 128711 4437840 1602323 5771613 2900986 286293 461251 10825604 10943530 1247714 862066 9577890 10081464 X SEEKING TO PUT GOD'S LOVE INTO ACTION, 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. LOVELAND 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. 0 0 1562223 24000 672877 HOME CONSTRUCTION: LOVELAND HABITAT FOR HUMANITY BUILDS SAFE, DECENT, AND AFFORDABLE HOMES FOR QUALIFIED HOMEBUYERS WHO EARN BETWEEN 40%-80% OF THE ANNUAL AREA MEDIAN INCOME AS DEFINED BY HUD. OUR HOME CONSTRUCTION PROGRAM ALLOWS FOR INDIVIDUALS AND FAMILIES TO IMPROVE THEIR LIVING CONDITIONS, STRENGTHEN THE COMMUNITY, AND ENHANCE HEALTH AND EDUCATION OUTCOMES FOR THEMSELVES AND THEIR CHILDREN. SINCE 1987, LHFH HAS SERVED MORE THAN 179 HOMEBUYERS THROUGH THE HOME CONSTRUCTION PROGRAM. BETWEEN JULY 1, 2024, AND JUNE 30, 2025, LHFH COMPLETED AND SOLD 2 HOMES TO QUALIFIED HOMEOWNERS AND HAD 6 ADDITIONAL HOMES UNDER CONSTRUCTION, EACH ASSIGNED TO AN ELIGLBLE HOMEBUYER.HOME FINANCING PROGRAM: LOVELAND HABITAT FOR HUMANITY CURRENTLY SERVICES A MORTGAGE PORTFOLIO OF 25 MORTGAGES. THESE MORTGAGES BELONG TO HOMEOWNERS WHO HAVE PARTICIPATED IN THE HOMEOWNERSHIP EDUCATION PROGRAM. EACH MORTGAGE HOLDER ALSO INVESTS UP TO 200 HOURS OF SWEAT EQUITY AS A PARTICIPANT IN THE HOMEOWNERSHIP PROGRAM BEFORE QUALIFYING TO PURCHASE THEIR HOME. HOMES ARE SOLD TO LOW TO MODERATE INCOME INDIVIDUALS AND FAMILIES WHOSE INCOME QUALIFY FOR THE LHFH PROGRAM. MORTGAGES ARE STRUCTURED SO THAT FAMILIES PAY 30% OF THEIR MONTHLY INCOME TOWARD HOUSING COSTS. LHFH OFFERS A ZERO PERCENT INTEREST ON THESE LOANS. FINANCIAL AND HOMEBUYER EDUCATION PROGRAMS: AS A PART OF THE HOMEOWNERSHIP PROCESS, WE BELIEVE FINANCIAL EDUCATION BUILDS A MORE SOLID FOUNDATION FOR LONG TERM SUCCESS AND HELPS ALLEVIATE ANY CONCERNS OR BARRIERS ON THE PATH TO HOMEOWNERSHIP. DURING THE FINANCIAL EDUCATION CLASSES, WE COVER TOPICS LIKE BUDGETING, UNDERSTANDING AND MANAGING CREDIT, DEBT AND LOANS, SAVINGS, INVESTING AND PLANNING FOR THE FUTURE, AND UNDERSTANDING HABITAT MORTGAGES. A MORE IN-DEPTH UNDERSTANDING OF THESE IMPORTANT CONCEPTS IS A TOOL THAT CAN BE USED TO BUILD A BETTER FUTURE. OVERALL, LOVELAND HABITAT FOR HUMANITY HAS CONDUCTED MORE THAN 40 FINANCIAL AND HOMEBUYER WORKSHOPS IN PERSON AND ONLINE AS OF FY 2025. 884616 1213434 COMMUNITY ENGAGEMENT: WE WORK WITH A WIDE RANGE OF COMMUNITY PARTNERS TO CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOUSING. NUMEROUS VOLUNTEERS CONTRIBUTE TO ALL PHASES OF OUR MISSION WORK. MORE THAN 700 VOLUNTEERS CONTRIBUTED MORE THAN 20,000 HOURS TO OUR PROGRAM THIS PAST YEAR.LOVELAND HABITAT FOR HUMANITY RESTORE: LOVELAND HABITAT RESTORE IS A HOME GOODS STORE SUPPORTED BY LOCAL DONATIONS AND SMALL AMOUNTS OF NEWLY PURCHASED PRODUCT THAT ARE THEN SOLD TO THE PUBLIC AT REDUCED PRICES. BY SELLING MOSTLY GENTLY USED ITEMS, LHFH RESTORE REDUCES LANDFILL BURDEN, PROVIDES EMPLOYMENT OPPORTUNITIES, AND ENCOURAGES VOLUNTEERISM THROUGH ITS STOREFRONT OPERATION. DURING THE FISCAL YEAR, LHFH RESTORE HELPED DIVERT MORE THAN 500 TONS OF WASTE OUT OF THE LANDFILL, EMPLOYED 20 STAFF, HOSTED OVER 250 VOLUNTEERS, AND PROVIDED AFFORDABLE HOME GOODS TO OVER 72,000 SHOPPERS. FUNDS GENERATED THROUGH THE SALE OF DONATED ITEMS TOGETHER WITH OTHER REVENUE GENERATING PROGRAMS HELPED TO BUILD 8 NEW HABITAT HOMES IN FY 2025. 2446839 1 1 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 0 0 0 0 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 27 0 36 1 0 0 0 0 0 0 0 0 0 0 X 6 6 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X X THE ORGANIZATION 9706699769 PO BOX 56 LOVELAND CO 80539 CINDI HAMMOND EXECUTIVE DIRECTOR 7/25-PRESENT 40.00 X 0 0 0 CRYSTAL MOORE EXECUTIVE DIRECTOR 9/24-5/25 40.00 X 34606 0 329 TIM LITTLEJOHN PRESIDENT 5/25-PRESENT, VP 1/24 3.00 X X 0 0 0 PETE LEVINE PRESIDENT 1/25-5/25, VP 2/24-12/24 3.00 X X 0 0 0 JOHN FEENEY PRESIDENT 1/24-12/24 3.00 X X 0 0 0 MARIA CABRERA-GUERRA TREASURER 3.00 X X 0 0 0 DANIELLE FEENEY SECRETARY 1/25-PRESENT 3.00 X X 0 0 0 DR JANE BREWER SECRETARY 7/18-12/24 3.00 X X 0 0 0 BOB CHOATE BOARD MEMBER 1.00 X 0 0 0 ROGER WEDDERBURN BOARD MEMBER 1.00 X 0 0 0 DOUG MANGERIS BOARD MEMBER 1.00 X 0 0 0 SARAH SHIVER BOARD MEMBER 1.00 X 0 0 0 34606 0 329 0 0 0 0 0 127885 537587 55682 665472 HOME SALES 525990 508386 508386 MORTGAGE DISCOUNT 525990 164491 164491 672877 91680 91680 1231299 512525 718774 718774 718774 46849 127885 46849 0 1251936 38502 1213434 1213434 3362237 1886311 0 810454 24000 24000 104055 52192 25931 25932 1027146 868728 101456 56962 11619 9458 1309 852 30154 24486 3434 2234 101689 82780 11455 7454 11688 11688 23000 23000 5978 5978 79239 25139 44221 9879 30068 20239 3074 6755 142257 81947 55491 4819 6113 4663 1058 392 23239 23239 92740 74167 10613 7960 107351 98260 6677 2414 CONSTRUCTION COSTS 593592 593592 MORTGAGE DISCOUNT 315713 315713 UTILITIES 65585 49445 15795 345 VEHICLE EXPENSES 31999 31999 73761 60814 10234 2713 2900986 2446839 325436 128711 2076975 1598093 2661 285021 18150 70000 2065500 1673550 3587400 4125508 94377 97495 2203760 749207 1445840 1454553 1184414 1252517 342681 386296 7606 497 10825604 10943530 268385 114115 33745 20500 945584 727451 1247714 862066 X 9562890 10011464 15000 70000 9577890 10081464 10825604 10943530 461251 42323 0 X X 0 1 X 1 0 X 1114345 1690185 987622 1369342 665472 5826966 1114345 1690185 987622 1369342 665472 5826966 777683 5049283 10995 5465 34200 69819 91680 212159 6039125 0.83610 0.79740 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 342681 10000 38499 4797 386383 251123 57960 37689 4091 342681 112457 125000 16680 3014 251123 126088 -12074 1557 112457 72275 38000 17009 1196 126088 1.00000 1 0 340000 340000 1661587 630107 1031480 202173 119100 83073 1454553 LONG TERM DEBT 726954 OPERATING LEASE LIABILITY - CURRENT 497 727451 X 3404560 42323 42323 3362237 0 3362237 2900986 0 2900986 0 2900986 PART V, LINE 4: THE ORGANIZATION HAS ESTABLISHED AN ENDOWMENT FUND IN ORDER TO SUPPORT THE LONG-TERM NEEDS OF THE ORGANIZATION. PART X, LINE 2: IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES, ALL ORGANIZATIONS ARE REQUIRED TO DISCLOSE ANY MATERIAL UNCERTAIN TAX POSITIONS THAT MANAGEMENT BELIEVES DOES NOT MEET A "MORE-LIKELY-THAN-NOT" STANDARD OF BEING SUSTAINED UNDER AN INCOME TAX AUDIT, AND TO RECORD A LIABILITY FOR ANY SUCH TAXES INCLUDING PENALTY AND INTEREST. MANAGEMENT OF THE ORGANIZATION HAS NOT IDENTIFIED ANY UNCERTAIN TAX POSITIONS THAT REQUIRE THE RECORDING OF A LIABILITY MENTIONED ABOVE OR FURTHER DISCLOSURE. BUILDERS BALL 122202 83065 39137 39137 EVENTS 52532 44820 7712 7712 174734 127885 46849 46849 46849 0 1 HABITAT FOR HUMANITY INTERNATIONAL 121 HABITAT STREET AMERICUS GA 31709 911914868 501C3 24000 0 TITHE PROGRAM 1 X BLDG MATERIALS AND OTHER 101 55682 FAIR MARKET VALUE 0 1 0 FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED ANNUALLY BY AN INDEPENDENT AUDIT FIRM. A DRAFT OF THE 990 IS THEN PROVIDED TO THE ENTIRE GOVERNING BOARD AS WELL AS TO THE EXECUTIVE DIRECTOR AND DIRECTOR OF FINANCE. THE EXECUTIVE DIRECTOR AND DIRECTOR OF FINANCE REVIEW THE FORM 990 DRAFT WITH THE FINANCE COMMITTEE. ONCE ALL NECESSARY CHANGES ARE MADE AND THE EXECUTIVE DIRECTOR AND DIRECTOR OF FINANCE ARE IN AGREEMENT WITH THE FINANCE COMMITTEE THE 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR FINAL APPROVAL. THE FINISHED FORM 990 WILL BE SIGNED BY THE EXECUTIVE DIRECTOR, DATED AND SUBMITTED BY THE FILING DEADLINE OR IRS APPROVED EXTENDED DEADLINE. A COPY OF THE APPROVED FORM 990 WILL BE PROVIDED TO ALL BOARD MEMBERS. FORM 990, PART VI, SECTION B, LINE 12C ALL BOARD MEMBERS MUST COMPLETE AND SIGN AN ANNUAL CONFLICT OF INTEREST DISCLOSURE QUESTIONNAIRE TO CONFIRM THAT THEY HAVE NO POTENTIAL OR ACTUAL CONFLICTS OF INTEREST THAT AFFECT THEIR ROLE/RESPONSIBILITY. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD PRESIDENT AND EXECUTIVE COMMITTEE ARE RESPONSIBLE FOR CONDUCTING EXTENSIVE RESEARCH TO DETERMINE THE COMPENSATION FOR THE EXECUTIVE DIRECTOR POSITION. RESEARCH ENTAILS USING LOCAL AND NATIONAL DATA RELATED TO COMPENSATION OF SIMILAR TYPE ORGANIZATIONS. THE BOARD OF DIRECTORS CONSIDERS THE SIZE, SCOPE OF WORK AND MISSION OF THE ORGANIZATION IN THEIR DECISION MAKING PROCESS.THE BOARD OF DIRECTORS REVIEWS THE SALARIES AND RECOMMENDS ANY CHANGES IN WAGES. FORM 990, PART VI, SECTION C, LINE 19 LOVELAND HABITAT FOR HUMANITY PROVIDES COPIES OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS TO THE PUBLIC UPON REASONABLE REQUEST. THE PUBLIC CAN MAKE THIS REQUEST TO THE EXECUTIVE DIRECTOR VERBALLY OR IN WRITING. WRITTEN MATERIALS ARE ALSO AVAILABLE IN THE MAIN OFFICE OF THE ORGANIZATION FOR STAFF AND PUBLIC ACCESS. FORM 990, PART XII, LINE 2C: THERE WERE NO CHANGES TO THE FINANCIAL STATEMENT OVERSIGHT PROCESS DURING THE YEAR.