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      <Desc>IN 2024, GAHFH FINISHED THE MAJORITY OF THE CIVIL DEVELOPMENT OF HOPE SPRINGS, A LARGE-SCALE AFFORDABLE HOUSING MIX-PRODUCT COMMUNITY WITH THE CITY OF GREELEY AND GAHFH PRIVATE-SECTOR PARTNERS, RICHMARK. HOPE SPRINGS WILL PROVIDE 491 UNITS OF AFFORDABLE AND MIXED-RATE HOUSING TO THE CITY, 174 WILL BE GAHFH HOMES. CONSTRUCTION ON THE 174 HABITAT HOMES IN HOPE SPRINGS BEGAN IN JULY 2024 WITH A NEW GAHFH PARTNERSHIP WITH BAESSLER HOMES BUILDING 30 GAHFH HOMES IN FY24/25. HOPE SPRINGS IS AN INNOVATIVE, CLIMATE-FRIENDLY PARTNERSHIP COMMUNITY WHOSE MODEL HAS ATTRACTED NATIONAL ATTENTION. HOPE SPRINGS IS A COLLABORATION OF PRIVATE SECTOR, NONPROFIT, FEDERAL, STATE, AND LOCAL GOVERNMENTS DELIVERING A 40-ACRE, 491-UNIT, MIXED-PRODUCT, AFFORDABLE COMMUNITY WITH AMENITIES, INCLUDING AN ONSITE CHILDCARE CENTER. THIS PROJECT RECEIVED UNANIMOUS APPROVAL FROM THE GREELEY CITY COUNCIL IN JULY AND AUGUST OF 2022. INFRASTRUCTURE FOR THE DEVELOPMENT WILL BEGIN IN LATE SPRING 2023. MULTIPLE MAJOR DONORS ARE INVESTING IN THE HOPE SPRINGS DEVELOPMENT. RICHMARK COMPANIES DONATED THE LAND AND WATER FOR THE GAHFH DEVELOPMENT, VALUED AT 8,860 MILLION. OTHER CRUCIALLY IMPORTANT INVESTMENTS ARE BEING PLEDGED BY U.S. SENATOR HICKENLOOPER, WHO HAS AWARDED 2.577 MILLION TO THE HOPE SPRINGS PROJECT THROUGH HIS CONGRESSIONAL DISTRICT SPENDING BUDGET. JBS INVESTED 2 MILLION, THE CITY OF GREELEY AND GAHFH WERE AWARDED A HIGHLY COMPETITIVE 990,000 DOLA CATALYST GRANT, AND WAS AWARDED ANOTHER DOLA TRANSFORMATIONAL GRANT FOR 3 MILLION FOR CIVIL INFRASTRUCTURE COSTS. IN 2024 THE WELD TRUST AWARDED GAHFH 2.5 MILLION FOR THE BALANCE OF THE HOPE SPRINGS INFRASTRUCTURE. A NUMBER OF OTHER PRIVATE COMMUNITY INVESTORS ARE HELPING TO MAKE HOPE SPRINGS AN ATTAINABLE COMMUNITY DEVELOPMENT MODEL THAT CAN BE REPLICATED ACROSS THE NATION. GAHFH WILL REINVEST 68,000,000 IN NEW INFRASTRUCTURE AND CONSTRUCTION DOLLARS UPON BUILD OUT. IN THE SPRING OF 2024, GAHFH, IN PARTNERSHIP WITH WELD COUNTY AND ROCHE CONSTRUCTORS, COMPLETED BUILDING A SENIOR CENTER IN HILL N' PARK, A FIRST STEP IN THE REVITALIZATION OF A BLIGHTED AND UNDERSERVED COMMUNITY. GAHFH WAS AWARDED A 1 MILLION CDBG-DR GRANT FROM THE STATE IN 2019. THIS GRANT FUNDED AN INNOVATIVE DEVELOPMENT AND PARTNERSHIP THAT WILL SERVE A COMMUNITY THAT WAS SEVERELY UNDERSERVED AFTER LOSING OVER 200 AFFORDABLE HOMES IN THE 2013 FLOOD. WITH THE AWARDED DISASTER RELIEF FUNDS, GAHFH PARTNERED WITH FOR-PROFIT AFFORDABLE HOUSING DEVELOPER COMMONWEALTH, THE 7TH LARGEST AFFORDABLE HOUSING DEVELOPER IN THE NATION AND LONG-TERM OPERATOR OF MULTI-DENSITY AFFORDABLE RENTAL PROJECTS, TO CREATE THE MISSION SPRINGS DEVELOPMENT. MISSION SPRINGS IS A COMBINATION OF 27 SINGLE FAMILY AND PAIRED HOMES BUILT BY GAHFH TO PROVIDE HOMEOWNERSHIP OPPORTUNITIES FOR HABITAT FAMILIES, MISSION HOMESTEAD, AND 68 AFFORDABLE TOWN HOMES AND COTTAGE RENTALS BUILT BY COMMONWEALTH, MISSION VILLAGE. THIS DEVELOPMENT WILL REPLACE NEARLY HALF OF THE UNITS THAT EVANS, COLORADO, LOST DURING THE SEVERE FLOODS OF 2013. GAHFH COMPLETED 22 HOMES IN MISSION HOMESTEAD IN 2021, INCLUDING THE AFFILIATES FIRST DUPLEXES, ADA COMPLIANT UNITS AND THE FIRST NATURAL GAS AND RENEWALBLE ENERGY ZERO NET ENERGY HOME, WITH A HERS SCORE OF -6 IN PARTNERSHIP WITH ATMOS ENERGY AND THE SCHLESSMAN FAMILY FOUNDATION. IN 2022, CONSTRUCTION ON 10 MORE HOMES BEGAN AND OR WAS COMPLETED. ALL HOMES IN THIS DEVELOPMENT HAVE BEEN BUILT IN PARTNERSHIP WITH OUR JEFFERSON HIGH SCHOOL CONSTRUCTION PATHWAY STUDENTS IN YEAR 6 OF THE INNOVATIVE WORKFORCE DEVELOPMENT PROGRAM. IN 2020, GAHFH WAS ABLE TO COMPLETE CONSTRUCTION ON CRESTVIEW, A FOURTEEN HOME DEVELOPMENT IN GREELEY. ALL OF THE HOMES IN CRESTVIEW WERE ALSO BUILT IN PARTNERSHIP WITH OUR JEFFERSON HIGH SCHOOL CONSTRUCTION PATHWAY PROGRAM, ALLOWING AT-RISK YOUTH THE OPPORTUNITY TO LEARN HIGH IN DEMAND TRADE SKILLS ON AN ACTIVE JOB SITE WHILE EARNING UP TO 27 COLLEGE CREDITS. UPON THE COMPLETION OF CRESTVIEW, GAHFH BEGAN CONSTRUCTION ON NORTHVIEW, A DEVELOPMENT THAT WILL BRING 12 UNITS OF AFFORDABLE HOUSING TO THE GREELEY AREA. THE FIRST 2 HOMES WERE COMPLETED IN 2021. AN ADDITIONAL 6 UNITS BEGAN AND OR WERE COMPLETE IN 2022.</Desc>
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        <Desc>THE GAHFH RESTORE IS CONTINUING TO GROW AND REACHED ITS GOAL OF BECOMING A 1,000,000 STORE IN 2024. THE RESTORE MOVED TO A NEW LOCATION AT THE GREELEY MALL, ADDING AN ADDITIONAL 10,000 SQ. FT. AND CONSOLIDATING OUR ADMINISTRATIVE OFFICES, MOVING THEM TO THE NEW LOCATION. THE RESTORE IS A UNIQUE RETAIL OUTFIT THAT OBTAINS DONATED HOME CONSTRUCTION/RENOVATION MATERIAL DONATIONS; DONATIONS ARE THEN SOLD TO GENERAL PUBLIC. PROFIT FROM THE RESTORE PROVIDES GENERAL OPERATING SUPPORT TO THE OVERALL ORGANIZATION. THE RESTORE PROVIDES VALUABLE SERVICES FOR DONORS AND PATRONS ALIKE. FOR DONORS, IN-KIND CONTRIBUTIONS ARE TAX DEDUCTIBLE TO THE EXTENT ALLOWED BY LAW AND PATRONS RECEIVE QUALITY MERCHANDISE AT AN AFFORDABLE PRICE. LIKEWISE, THE RESTORE OPERATION PROVIDES A VALUABLE SERVICE FOR THE OVERALL COMMUNITY AND THE ENVIRONMENT BY EFFECTIVELY REDUCING LANDFILL WASTE BY THROUGH THE ENCOURAGEMENT OF REUSE AND REPURPOSE, AND ALSO THROUGH THE RESTORE CARDBOARD/METAL/ELECTRONIC RECYCLING PROGRAM. ANNUALLY, THE RESTORE SAVES APPROXIMATELY 1,000,000 POUNDS OF WASTE FROM REACHING THE LOCAL LANDFILL.</Desc>
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        <Desc>THE FAMILY SERVICES PROGRAM IS COMPRISED OF PROGRAMS AND PRACTICES DESIGNED TO PROVIDE APPLICANTS AND APPROVED HOMEOWNERS WITH THE SKILLS AND SUPPORT THEY NEED TO PROSPER AS LONG-TERM HOMEOWNERS. SUPPORT SERVICES ARE MULTIFACETED AND BEGIN WITH A CONSULTATION WITH THE GAHFH FAMILY SERVICES ASSOCIATE. APPROVED APPLICANTS ARE PAIRED WITH A FAMILY SUPPORT COMMITTEE VOLUNTEER WHO WORK ALONGSIDE THE PARTNER FAMILY THROUGHOUT THE HOMEBUILDING AND CLOSING PROCESSES. SAID VOLUNTEERS WORK WITH THE PARTNER FAMILY TO COMPLETE A SERIES OF SIX WRITTEN LESSONS INCLUDING: OWNERSHIP VS. RENTAL OCCUPANCY, FINANCIAL PLANNING, PROTECTION OF THE INVESTMENT VALUE OF THE HOME, HOMEOWNER'S INSURANCE, EQUITY BUILDING AND INCOME TAX RESPONSIBILITY, AND "YOUR MORTGAGE." IN ADDITION TO THE LESSONS COMPLETED WITH THE FAMILY SUPPORT VOLUNTEER, APPROVED APPLICANTS ARE REQUIRED TO COMPLETE A SERIES OF GROUP WORKSHOPS PRIOR TO CLOSING ON THEIR HOME. GROUP WORKSHOPS INCLUDE: LANDSCAPING, CITY CODES, COVENANTS, HOMEOWNER'S INSURANCE (WORKSHOP), AND HOA. IN 2021, GAHFH HIRED A FAMILY SERVICES SPECIALIST, A HUD CERTIFIED HOUSING COUSELOR, ALLOWING US TO ACCEPT APPLICATIONS YEAR-ROUND. IN GAHFH'S 35-YEAR HISTORY, THERE HAS ONLY BEEN ONE FORECLOSURE, A TESTAMENT TO GAHFH SUCCESSFULLY PREPARING ITS PARTNERS FOR HOMEOWNERSHIP.</Desc>
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        <PersonNm>BOB MCCLEAVE</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>BIANCA FISHER</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>TOMMY BUTLER</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>WARREN YODER</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>TYLER RICHARDSON</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>246368</TotalReportableCompFromOrgAmt>
      <TotalOtherCompensationAmt>8171</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>1</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>true</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>GLH CONSTRUCTION LLC</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>780 E GARDEN DR</AddressLine1Txt>
            <CityNm>WINDSOR</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80550</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>7608192</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>ROCHE CONSTRUCTORS INC</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>361 71ST AVE</AddressLine1Txt>
            <CityNm>GREELEY</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80634</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>895879</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>STORMWATER LOGISTICS</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>16350 E ARAPAHOE RD</AddressLine1Txt>
            <AddressLine2Txt>SUITE 108-316</AddressLine2Txt>
            <CityNm>FOXFIELD</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>80016</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>306205</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>MUSCO SPORTS LIGHTING LLC</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>PO BOX 200692</AddressLine1Txt>
            <CityNm>DALLAS</CityNm>
            <StateAbbreviationCd>TX</StateAbbreviationCd>
            <ZIPCd>753200692</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>197731</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>MILLER PIPELINE LLC</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>421 EAST INDUSTRIAL BLVD</AddressLine1Txt>
            <CityNm>PUEBLO WEST</CityNm>
            <StateAbbreviationCd>CO</StateAbbreviationCd>
            <ZIPCd>81007</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>180177</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>5</CntrctRcvdGreaterThan100KCnt>
      <FundraisingAmt>341560</FundraisingAmt>
      <GovernmentGrantsAmt>3572129</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>4703280</AllOtherContributionsAmt>
      <NoncashContributionsAmt>868426</NoncashContributionsAmt>
      <TotalContributionsAmt>8616969</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>HOMES SOLD</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>1925019</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1925019</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>RESTORE SALES - DONATED</Desc>
        <BusinessCd>453310</BusinessCd>
        <TotalRevenueColumnAmt>818622</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>818622</UnrelatedBusinessRevenueAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE AMORTIZATION</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>145330</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>145330</RelatedOrExemptFuncIncomeAmt>
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      <ProgramServiceRevenueGrp>
        <Desc>SECOND MORTGAGE RECAPTURE</Desc>
        <TotalRevenueColumnAmt>36168</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>36168</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>2925139</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>258859</TotalRevenueColumnAmt>
        <ExclusionAmt>258859</ExclusionAmt>
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      <RoyaltiesRevenueGrp>
        <TotalRevenueColumnAmt>18106</TotalRevenueColumnAmt>
        <ExclusionAmt>18106</ExclusionAmt>
      </RoyaltiesRevenueGrp>
      <GrossAmountSalesAssetsGrp>
        <OtherAmt>518521</OtherAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <OtherAmt>266198</OtherAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <OtherAmt>252323</OtherAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>252323</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>252323</RelatedOrExemptFuncIncomeAmt>
      </NetGainOrLossInvestmentsGrp>
      <ContriRptFundraisingEventAmt>341560</ContriRptFundraisingEventAmt>
      <FundraisingDirectExpensesAmt>20008</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>-20008</TotalRevenueColumnAmt>
        <ExclusionAmt>-20008</ExclusionAmt>
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      <GrossSalesOfInventoryAmt>221641</GrossSalesOfInventoryAmt>
      <CostOfGoodsSoldAmt>143037</CostOfGoodsSoldAmt>
      <NetIncomeOrLossGrp>
        <TotalRevenueColumnAmt>78604</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>78604</UnrelatedBusinessRevenueAmt>
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      <OtherRevenueMiscGrp>
        <Desc>MISCELLANEOUS INCOME</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>26281</TotalRevenueColumnAmt>
        <ExclusionAmt>26281</ExclusionAmt>
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      <OtherRevenueMiscGrp>
        <Desc>HOA</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>8555</TotalRevenueColumnAmt>
        <ExclusionAmt>8555</ExclusionAmt>
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        <UnrelatedBusinessRevenueAmt>897226</UnrelatedBusinessRevenueAmt>
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      <GrantsToDomesticOrgsGrp>
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        <ProgramServicesAmt>21141</ProgramServicesAmt>
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      <CompCurrentOfcrDirectorsGrp>
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        <ProgramServicesAmt>23760</ProgramServicesAmt>
        <ManagementAndGeneralAmt>240809</ManagementAndGeneralAmt>
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        <ProgramServicesAmt>849363</ProgramServicesAmt>
        <ManagementAndGeneralAmt>83825</ManagementAndGeneralAmt>
        <FundraisingAmt>141398</FundraisingAmt>
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      <PensionPlanContributionsGrp>
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        <ProgramServicesAmt>8301</ProgramServicesAmt>
        <FundraisingAmt>1561</FundraisingAmt>
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      <OtherEmployeeBenefitsGrp>
        <TotalAmt>90682</TotalAmt>
        <ProgramServicesAmt>73402</ProgramServicesAmt>
        <ManagementAndGeneralAmt>13628</ManagementAndGeneralAmt>
        <FundraisingAmt>3652</FundraisingAmt>
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      <PayrollTaxesGrp>
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        <ProgramServicesAmt>77634</ProgramServicesAmt>
        <ManagementAndGeneralAmt>22146</ManagementAndGeneralAmt>
        <FundraisingAmt>11989</FundraisingAmt>
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      <FeesForServicesAccountingGrp>
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        <ManagementAndGeneralAmt>40270</ManagementAndGeneralAmt>
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      <AdvertisingGrp>
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        <ProgramServicesAmt>8140</ProgramServicesAmt>
        <ManagementAndGeneralAmt>26750</ManagementAndGeneralAmt>
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      <OfficeExpensesGrp>
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        <ProgramServicesAmt>51447</ProgramServicesAmt>
        <ManagementAndGeneralAmt>37211</ManagementAndGeneralAmt>
        <FundraisingAmt>14029</FundraisingAmt>
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      <OccupancyGrp>
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        <ProgramServicesAmt>109547</ProgramServicesAmt>
        <ManagementAndGeneralAmt>15487</ManagementAndGeneralAmt>
        <FundraisingAmt>11812</FundraisingAmt>
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      <InterestGrp>
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        <ProgramServicesAmt>5000</ProgramServicesAmt>
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      <DepreciationDepletionGrp>
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        <ProgramServicesAmt>45510</ProgramServicesAmt>
        <ManagementAndGeneralAmt>14349</ManagementAndGeneralAmt>
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      <InsuranceGrp>
        <TotalAmt>51135</TotalAmt>
        <ProgramServicesAmt>45745</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5390</ManagementAndGeneralAmt>
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      <OtherExpensesGrp>
        <Desc>COST OF HOMES TRANSFERRED</Desc>
        <TotalAmt>2882871</TotalAmt>
        <ProgramServicesAmt>2882871</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>RESTORE COST OF GOOD SOLD</Desc>
        <TotalAmt>818622</TotalAmt>
        <ProgramServicesAmt>818622</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>DISCOUNT ON MORTGAGES</Desc>
        <TotalAmt>227808</TotalAmt>
        <ProgramServicesAmt>227808</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>UTILTIES</Desc>
        <TotalAmt>71891</TotalAmt>
        <ProgramServicesAmt>66525</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5366</ManagementAndGeneralAmt>
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      <AllOtherExpensesGrp>
        <TotalAmt>125878</TotalAmt>
        <ProgramServicesAmt>49796</ProgramServicesAmt>
        <ManagementAndGeneralAmt>34393</ManagementAndGeneralAmt>
        <FundraisingAmt>41689</FundraisingAmt>
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      <TotalFunctionalExpensesGrp>
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        <ProgramServicesAmt>5364612</ProgramServicesAmt>
        <ManagementAndGeneralAmt>539624</ManagementAndGeneralAmt>
        <FundraisingAmt>226130</FundraisingAmt>
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        <EOYAmt>197908</EOYAmt>
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        <EOYAmt>7540575</EOYAmt>
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        <EOYAmt>50817</EOYAmt>
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        <EOYAmt>1379396</EOYAmt>
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      <InventoriesForSaleOrUseGrp>
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        <EOYAmt>60997</EOYAmt>
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      <PrepaidExpensesDefrdChargesGrp>
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        <EOYAmt>-810</EOYAmt>
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      <LandBldgEquipBasisNetGrp>
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        <EOYAmt>312940</EOYAmt>
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        <EOYAmt>20953690</EOYAmt>
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      <TotalAssetsGrp>
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      <MortgNotesPyblScrdInvstPropGrp>
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      <UnsecuredNotesLoansPayableGrp>
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        <EOYAmt>500884</EOYAmt>
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      <TotalLiabilitiesGrp>
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        <EOYAmt>5988036</EOYAmt>
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        <EOYAmt>22067477</EOYAmt>
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      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>2080000</BOYAmt>
        <EOYAmt>2440000</EOYAmt>
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        <EOYAmt>24507477</EOYAmt>
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      <TotLiabNetAssetsFundBalanceGrp>
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        <EOYAmt>30495513</EOYAmt>
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      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
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      <FederalGrantAuditPerformedInd>true</FederalGrantAuditPerformedInd>
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        <CurrentTaxYearMinus2YearsAmt>2551089</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>3053072</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>2576840</CurrentTaxYearAmt>
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        <CurrentTaxYearMinus1YearAmt>3053072</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>2576840</CurrentTaxYearAmt>
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        <CurrentTaxYearMinus2YearsAmt>63170</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>86070</CurrentTaxYearMinus1YearAmt>
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      <UnrelatedBusinessNetIncm170Grp>
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      <OtherIncome170Grp>
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        <CurrentTaxYearMinus1YearAmt>6912</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>34836</CurrentTaxYearAmt>
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      <GrossReceiptsRltdActivitiesAmt>10371729</GrossReceiptsRltdActivitiesAmt>
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      <PublicSupportPY170Pct>0.91250</PublicSupportPY170Pct>
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      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>SUPPORTING SCHEDULE</FormAndLineReferenceDesc>
        <ExplanationTxt>HOPE SPRINGS FUNDING 2,550,129 HOPE SPRINGS FUNDING 2,500,000 HOPE SPRINGS FUNDING 990,000</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART II, LINE 10</FormAndLineReferenceDesc>
        <ExplanationTxt>RESTORE SALES OF PURCHASED INVENTORY 208,493 HOA -1,582 MISCELLANEOUS 67,898</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
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        <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>
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        <InvestmentEarningsOrLossesAmt>2260</InvestmentEarningsOrLossesAmt>
        <AdministrativeExpensesAmt>430</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>25035</EndYearBalanceAmt>
      </CYEndwmtFundGrp>
      <CYMinus1YrEndwmtFundGrp>
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        <InvestmentEarningsOrLossesAmt>1650</InvestmentEarningsOrLossesAmt>
        <AdministrativeExpensesAmt>404</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>23155</EndYearBalanceAmt>
      </CYMinus1YrEndwmtFundGrp>
      <CYMinus2YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>21006</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>1385</InvestmentEarningsOrLossesAmt>
        <AdministrativeExpensesAmt>585</AdministrativeExpensesAmt>
        <EndYearBalanceAmt>21806</EndYearBalanceAmt>
      </CYMinus2YrEndwmtFundGrp>
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        <ExplanationTxt>TAX PENALTIES AND INTEREST, IF ANY, WOULD BE CLASSIFIED WITH INCOME TAX EXPENSE IN THE FINANCIAL STATEMENTS. NO TAX PENALTIES OR INTEREST HAVE BEEN INCURRED OR ARE RECOGNIZED IN THESE FINANCIAL STATEMENTS. GENERALLY, THREE TAX YEARS REMAIN SUBJECT TO EXAMINATION BY TAX JURISDICTIONS.</ExplanationTxt>
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        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XI, LINE 4B</FormAndLineReferenceDesc>
        <ExplanationTxt>DONATED RESTORE ITEMS 818,622 CONTACT BUILD SVCS 12,702</ExplanationTxt>
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        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XII, LINE 2D</FormAndLineReferenceDesc>
        <ExplanationTxt>SPECIAL EVENT EXPENSES 20,008 COST OF INVENTORY SOLD 143,037</ExplanationTxt>
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        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XII, LINE 4B</FormAndLineReferenceDesc>
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          <CityNm>AMERICUS</CityNm>
          <StateAbbreviationCd>GA</StateAbbreviationCd>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4A</FormAndLineReferenceDesc>
        <ExplanationTxt>IN 2024, GAHFH FINISHED THE MAJORITY OF THE CIVIL DEVELOPMENT OF HOPE SPRINGS, A LARGE-SCALE AFFORDABLE HOUSING MIX-PRODUCT COMMUNITY WITH THE CITY OF GREELEY AND GAHFH PRIVATE-SECTOR PARTNERS, RICHMARK. HOPE SPRINGS WILL PROVIDE 491 UNITS OF AFFORDABLE AND MIXED-RATE HOUSING TO THE CITY, 174 WILL BE GAHFH HOMES. CONSTRUCTION ON THE 174 HABITAT HOMES IN HOPE SPRINGS BEGAN IN JULY 2024 WITH A NEW GAHFH PARTNERSHIP WITH BAESSLER HOMES BUILDING 30 GAHFH HOMES IN FY24/25. HOPE SPRINGS IS AN INNOVATIVE, CLIMATE-FRIENDLY PARTNERSHIP COMMUNITY WHOSE MODEL HAS ATTRACTED NATIONAL ATTENTION. HOPE SPRINGS IS A COLLABORATION OF PRIVATE SECTOR, NONPROFIT, FEDERAL, STATE, AND LOCAL GOVERNMENTS DELIVERING A 40-ACRE, 491-UNIT, MIXED-PRODUCT, AFFORDABLE COMMUNITY WITH AMENITIES, INCLUDING AN ONSITE CHILDCARE CENTER. THIS PROJECT RECEIVED UNANIMOUS APPROVAL FROM THE GREELEY CITY COUNCIL IN JULY AND AUGUST OF 2022. INFRASTRUCTURE FOR THE DEVELOPMENT WILL BEGIN IN LATE SPRING 2023. MULTIPLE MAJOR DONORS ARE INVESTING IN THE HOPE SPRINGS DEVELOPMENT. RICHMARK COMPANIES DONATED THE LAND AND WATER FOR THE GAHFH DEVELOPMENT, VALUED AT 8,860 MILLION. OTHER CRUCIALLY IMPORTANT INVESTMENTS ARE BEING PLEDGED BY U.S. SENATOR HICKENLOOPER, WHO HAS AWARDED 2.577 MILLION TO THE HOPE SPRINGS PROJECT THROUGH HIS CONGRESSIONAL DISTRICT SPENDING BUDGET. JBS INVESTED 2 MILLION, THE CITY OF GREELEY AND GAHFH WERE AWARDED A HIGHLY COMPETITIVE 990,000 DOLA CATALYST GRANT, AND WAS AWARDED ANOTHER DOLA TRANSFORMATIONAL GRANT FOR 3 MILLION FOR CIVIL INFRASTRUCTURE COSTS. IN 2024 THE WELD TRUST AWARDED GAHFH 2.5 MILLION FOR THE BALANCE OF THE HOPE SPRINGS INFRASTRUCTURE. A NUMBER OF OTHER PRIVATE COMMUNITY INVESTORS ARE HELPING TO MAKE HOPE SPRINGS AN ATTAINABLE COMMUNITY DEVELOPMENT MODEL THAT CAN BE REPLICATED ACROSS THE NATION. GAHFH WILL REINVEST 68,000,000 IN NEW INFRASTRUCTURE AND CONSTRUCTION DOLLARS UPON BUILD OUT. IN THE SPRING OF 2024, GAHFH, IN PARTNERSHIP WITH WELD COUNTY AND ROCHE CONSTRUCTORS, COMPLETED BUILDING A SENIOR CENTER IN HILL N' PARK, A FIRST STEP IN THE REVITALIZATION OF A BLIGHTED AND UNDERSERVED COMMUNITY. GAHFH WAS AWARDED A 1 MILLION CDBG-DR GRANT FROM THE STATE IN 2019. THIS GRANT FUNDED AN INNOVATIVE DEVELOPMENT AND PARTNERSHIP THAT WILL SERVE A COMMUNITY THAT WAS SEVERELY UNDERSERVED AFTER LOSING OVER 200 AFFORDABLE HOMES IN THE 2013 FLOOD. WITH THE AWARDED DISASTER RELIEF FUNDS, GAHFH PARTNERED WITH FOR-PROFIT AFFORDABLE HOUSING DEVELOPER COMMONWEALTH, THE 7TH LARGEST AFFORDABLE HOUSING DEVELOPER IN THE NATION AND LONG-TERM OPERATOR OF MULTI-DENSITY AFFORDABLE RENTAL PROJECTS, TO CREATE THE MISSION SPRINGS DEVELOPMENT. MISSION SPRINGS IS A COMBINATION OF 27 SINGLE FAMILY AND PAIRED HOMES BUILT BY GAHFH TO PROVIDE HOMEOWNERSHIP OPPORTUNITIES FOR HABITAT FAMILIES, MISSION HOMESTEAD, AND 68 AFFORDABLE TOWN HOMES AND COTTAGE RENTALS BUILT BY COMMONWEALTH, MISSION VILLAGE. THIS DEVELOPMENT WILL REPLACE NEARLY HALF OF THE UNITS THAT EVANS, COLORADO, LOST DURING THE SEVERE FLOODS OF 2013. GAHFH COMPLETED 22 HOMES IN MISSION HOMESTEAD IN 2021, INCLUDING THE AFFILIATES FIRST DUPLEXES, ADA COMPLIANT UNITS AND THE FIRST NATURAL GAS AND RENEWALBLE ENERGY ZERO NET ENERGY HOME, WITH A HERS SCORE OF -6 IN PARTNERSHIP WITH ATMOS ENERGY AND THE SCHLESSMAN FAMILY FOUNDATION. IN 2022, CONSTRUCTION ON 10 MORE HOMES BEGAN AND OR WAS COMPLETED. ALL HOMES IN THIS DEVELOPMENT HAVE BEEN BUILT IN PARTNERSHIP WITH OUR JEFFERSON HIGH SCHOOL CONSTRUCTION PATHWAY STUDENTS IN YEAR 6 OF THE INNOVATIVE WORKFORCE DEVELOPMENT PROGRAM. IN 2020, GAHFH WAS ABLE TO COMPLETE CONSTRUCTION ON CRESTVIEW, A FOURTEEN HOME DEVELOPMENT IN GREELEY. ALL OF THE HOMES IN CRESTVIEW WERE ALSO BUILT IN PARTNERSHIP WITH OUR JEFFERSON HIGH SCHOOL CONSTRUCTION PATHWAY PROGRAM, ALLOWING AT-RISK YOUTH THE OPPORTUNITY TO LEARN HIGH IN DEMAND TRADE SKILLS ON AN ACTIVE JOB SITE WHILE EARNING UP TO 27 COLLEGE CREDITS. UPON THE COMPLETION OF CRESTVIEW, GAHFH BEGAN CONSTRUCTION ON NORTHVIEW, A DEVELOPMENT THAT WILL BRING 12 UNITS OF AFFORDABLE HOUSING TO THE GREELEY AREA. THE FIRST 2 HOMES WERE COMPLETED IN 2021. AN ADDITIONAL 6 UNITS BEGAN AND OR WERE COMPLETE IN 2022.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE GAHFH RESTORE IS CONTINUING TO GROW AND REACHED ITS GOAL OF BECOMING A 1,000,000 STORE IN 2024. THE RESTORE MOVED TO A NEW LOCATION AT THE GREELEY MALL, ADDING AN ADDITIONAL 10,000 SQ. FT. AND CONSOLIDATING OUR ADMINISTRATIVE OFFICES, MOVING THEM TO THE NEW LOCATION. THE RESTORE IS A UNIQUE RETAIL OUTFIT THAT OBTAINS DONATED HOME CONSTRUCTION/RENOVATION MATERIAL DONATIONS; DONATIONS ARE THEN SOLD TO GENERAL PUBLIC. PROFIT FROM THE RESTORE PROVIDES GENERAL OPERATING SUPPORT TO THE OVERALL ORGANIZATION. THE RESTORE PROVIDES VALUABLE SERVICES FOR DONORS AND PATRONS ALIKE. FOR DONORS, IN-KIND CONTRIBUTIONS ARE TAX DEDUCTIBLE TO THE EXTENT ALLOWED BY LAW AND PATRONS RECEIVE QUALITY MERCHANDISE AT AN AFFORDABLE PRICE. LIKEWISE, THE RESTORE OPERATION PROVIDES A VALUABLE SERVICE FOR THE OVERALL COMMUNITY AND THE ENVIRONMENT BY EFFECTIVELY REDUCING LANDFILL WASTE BY THROUGH THE ENCOURAGEMENT OF REUSE AND REPURPOSE, AND ALSO THROUGH THE RESTORE CARDBOARD/METAL/ELECTRONIC RECYCLING PROGRAM. ANNUALLY, THE RESTORE SAVES APPROXIMATELY 1,000,000 POUNDS OF WASTE FROM REACHING THE LOCAL LANDFILL.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FAMILY SERVICES PROGRAM IS COMPRISED OF PROGRAMS AND PRACTICES DESIGNED TO PROVIDE APPLICANTS AND APPROVED HOMEOWNERS WITH THE SKILLS AND SUPPORT THEY NEED TO PROSPER AS LONG-TERM HOMEOWNERS. SUPPORT SERVICES ARE MULTIFACETED AND BEGIN WITH A CONSULTATION WITH THE GAHFH FAMILY SERVICES ASSOCIATE. APPROVED APPLICANTS ARE PAIRED WITH A FAMILY SUPPORT COMMITTEE VOLUNTEER WHO WORK ALONGSIDE THE PARTNER FAMILY THROUGHOUT THE HOMEBUILDING AND CLOSING PROCESSES. SAID VOLUNTEERS WORK WITH THE PARTNER FAMILY TO COMPLETE A SERIES OF SIX WRITTEN LESSONS INCLUDING: OWNERSHIP VS. RENTAL OCCUPANCY, FINANCIAL PLANNING, PROTECTION OF THE INVESTMENT VALUE OF THE HOME, HOMEOWNER'S INSURANCE, EQUITY BUILDING AND INCOME TAX RESPONSIBILITY, AND "YOUR MORTGAGE." IN ADDITION TO THE LESSONS COMPLETED WITH THE FAMILY SUPPORT VOLUNTEER, APPROVED APPLICANTS ARE REQUIRED TO COMPLETE A SERIES OF GROUP WORKSHOPS PRIOR TO CLOSING ON THEIR HOME. GROUP WORKSHOPS INCLUDE: LANDSCAPING, CITY CODES, COVENANTS, HOMEOWNER'S INSURANCE (WORKSHOP), AND HOA. IN 2021, GAHFH HIRED A FAMILY SERVICES SPECIALIST, A HUD CERTIFIED HOUSING COUSELOR, ALLOWING US TO ACCEPT APPLICATIONS YEAR-ROUND. IN GAHFH'S 35-YEAR HISTORY, THERE HAS ONLY BEEN ONE FORECLOSURE, A TESTAMENT TO GAHFH SUCCESSFULLY PREPARING ITS PARTNERS FOR HOMEOWNERSHIP.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FINANCE COMMITTEE AND BOARD OF DIRECTORS WERE PROVIDED A DRAFT COPY OF THE FORM 990 FOR REVIEW PRIOR TO FILING. THE DRAFT FORM 990 ARE ALSO REVIEWED BY THE EXECUTIVE DIRECTOR AND DIRECTOR OF FINANCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>NEW BOARD MEMBERS AND NEW EMPLOYEES ACKNOWLEDGE IN WRITING THEIR RECEIPT AND UNDERSTANDING OF THE CONFLICT OF INTEREST POLICY WHEN APPOINTED OR HIRED. COMPLIANCE WITH THE POLICY IS MONITORED BY MANAGEMENT AND THE BOARD ON AN ON-GOING BASIS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS COMPARATIVE DATA FOR RELATED JOB TITLES AND RESPONSIBILITIES IN SETTING THE EXECUTIVE DIRECTORS' COMPENSATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE DIRECTOR CONSIDERS COMPARATIVE COMPENSATION DATA IN SETTING COMPENSATION FOR OTHER POSITIONS WITHIN THE ORGANIZATION. THE BOARD OF DIRECTORS APPROVES THE FINANCIAL BUDGET WITHIN WHICH OTHER COMPENSATION DECISIONS ARE MADE.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>SPECIAL EVENT EXPENSES 20,008 COST OF INVENTORY SOLD 143,037 DONATED RESTORE ITEMS -818,622 CONTACT BUILD SVCS -12,702 SPECIAL EVENT EXPENSES -20,008 COST OF INVENTORY SOLD -143,037 DONATED RESTORE ITEMS 818,622 CONTRACT BUILD SVCS 12,702</ExplanationTxt>
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