2025-11-13T21:21:29-06:00 2024-12-31 203557677 KELLER AND ASSOCIATES LLP 18645 SHERMAN WAY SUITE 110 RESEDA CA 91335 990 2024-01-01 811791167 A-1 COMMUNITY HOUSING SERVICES A-1C 5106749227 22320 FOOTHILL BOULEVARD 200 HAYWARD CA 94541 JOANNE BAKER PRESIDENT 5106749227 2025-11-13 1 0 DAVID KELLER P00227750 8183833079 X 2024 2025-03-06 01:10:19Z JOANNE BAKER 22320 FOOTHILL BOULEVARD 200 HAYWARD CA 94541 2677028 0 X WWW.A1CHS.ORG X 2016 CA TO EDUCATE AND EMPOWER THE PUBLIC ON SUBJECTS USEFUL TO INDIVIDUAL HOUSEHOLDS, AS WELL AS BEING BENEFICIAL TO THE OVERALL COMMUNITY. THIS HOUSING RELATED EDUCATION IS DESIGNED TO ASSIST HOUSEHOLDS IN MAKING INFORMED DECISIONS REGARDING THEIR HOUSING OPTIONS. 8 8 9 12 0 0 1118124 2434227 61816 205601 0 0 20110 31395 1200050 2671223 0 0 0 0 450470 473766 0 0 0 286292 1855947 736762 2329713 463288 341510 2352263 1240188 1455307 1722 896956 1238466 X TO EDUCATE AND EMPOWER THE PUBLIC ON SUBJECTS USEFUL TO INDIVIDUAL HOUSEHOLDS, AS WELL AS BEING BENEFICIAL TO THE OVERALL COMMUNITY. THIS HOUSING RELATED EDUCATION IS DESIGNED TO ASSIST HOUSEHOLDS IN MAKING INFORMED DECISIONS REGARDING THEIR HOUSING OPTIONS. 0 0 1788604 2671223 ALL OF PROGRAMS LISTED BELOW ARE DESIGNED TO IMPROVE THE CALIFORNIA HOUSING MARKET AND ARE BEING PROVIDED BY THE ORGANIZATION AS FOLLOWS:A-1 COMMUNITY HOUSING SERVICES WORKS WITH INDIVIDUALS AND FAMILIES IN CALIFORNIA THROUGH VARIOUS PROGRAMS TARGETING THE ISSUES OF HOMELESSNESS, FINANCIAL EDUCATION, FIRST-TIME HOMEBUYER EDUCATION, RENTAL COUNSELING, FORECLOSURE PREVENTION, AND CREDIT MANAGEMENT. COUNSELING AND EDUCATION SERVICES ARE PROVIDED FREE OF CHARGE.DEVELOPING HOMEOWNERSHIP - FIRST TIME HOME BUYER WORKSHOPSWORKING WITH INDIVIDUALS AND HOUSEHOLDS WHOM ARE BUYING THEIR FIRST HOME OR THOSE WHO ARE RETURNING BACK INTO HOMEOWNERSHIP, AND HAVE THE DESIRE TO EDUCATE THEMSELVES, IN THE PROCESS AND IMPORTANCE OF PLANNING AHEAD IN ORDER TO MANAGE THEIR FINANCES AND BECOME SUCCESSFUL HOMEOWNERS. OUR HUD APPROVED WORKSHOPS COVER THE FOLLOWING:PREPARING FOR HOMEOWNERSHIPMANAGING FINANCESUNDERSTANDING THE IMPORTANCE OF GOOD CREDITTHE PROCESS OF QUALIFYING FOR A MORTGAGEAVAILABLE DOWN PAYMENT AND CLOSING COSTS PROGRAMSIMPORTANCE OF PROTECTING INVESTMENTS.MAINTAINING HOMEOWNERSHIP - FORECLOSURE PREVENTIONEDUCATING HOMEOWNERS ABOUT THE MORTGAGE PROCESS WE OFFER GROUP AND ONE ON ONE COUNSELING SESSIONS SO THAT INDIVIDUALS MAY BETTER UNDERSTAND THE OPTIONS AVAILABLE AND HOW TO MAKE IT THROUGH A FINANCIAL HARDSHIP. THROUGH THE PROCESS THEY WILL LEARN ABOUT GOVERNMENT PROGRAMS THAT MAY OFFER RELIEF. THEY WILL ALSO BE INFORMED ABOUT ALTERNATIVES OPTIONS; REPAYMENT PLANS, FORBEARANCE, DEED-IN-LIEU AND LIQUIDATION. OUR HOUSING ADVISERS WORK WITH HOMEOWNERS AND THEIR FINANCIAL INSTITUTION IN ORDER TO PROVIDE THE BEST POSSIBLE OUTCOME. HOUSING COUNSELORS ALSO WORK 1:1 WITH HOMEOWNERS EXPERIENCING FINANCIAL HARDSHIP TO HELP NAVIGATE THE LOSS MITIGATION OPTIONS WITH THEIR LENDER.FINANCIAL LITERACY EDUCATION - MONEY MANAGEMENTOUR FINANCIAL LITERACY WORKSHOPS INCLUDE THE FOLLOWING:CREATING A BUDGETSTRATEGIES ON HOW TO MANAGE FINANCESCONSEQUENCES ON FALLING BEHIND ON DEBTMANAGING PERSONAL ASSETSCREDIT MANAGEMENTWE OFFER CREDIT REPAIR ASSISTANCE WORKSHOPS OR ONE ON ONE COUNSELING TO CONSUMERS INTERESTED IN CLEANING UP THEIR CREDIT REPORT ISSUES. THE RESULT WILL CAUSE THE CONSUMER TO HAVE A BETTER CREDIT (FICO) SCORE. OUR CREDIT REPAIR ASSISTANCE WORKSHOPS OR COUNSELING INCLUDES THE FOLLOWING:REVIEW OF THE CREDIT REPORTPRIORITIZING DEBTSCREATING A BUDGETHOW TO REDUCE DEBTS AND EXPENSESSTRATEGIES TO REBUILD CREDITHOW TO AVOID IDENTITY THEFT AND CREDIT SCAMSRENTAL COUNSELINGA-1 COMMUNITY HOUSING SERVICES PROVIDES FREE ONE-ON-ONE COUNSELING SESSIONS WITH A CERTIFIED HOUSING COUNSELOR TO ASSIST INDIVIDUALS AND FAMILIES ASSESS THEIR FINANCES AND PROVIDE TOOLS AND RESOURCES.RENTAL COUNSELING SESSIONS COVER:- DEVELOPING A BUDGET- STRATEGIES ON HOW TO MANAGE FINANCES- CONSEQUENCES ON FALLING BEHIND ON DEBT- REVIEW OF THE CREDIT REPORT- PRIORITIZING DEBTS AND REDUCING EXPENSES- RESOURCES TO ASSIST WITH UTILITY BILL AND OTHER RENTAL SUPPORT- STRATEGIES TO REBUILD CREDIT- TENANT RIGHTS AND FAIR HOUSING RIGHTS- AFFORDABLE HOUSING RESOURCESFPP ALAMEDA COUNTYFORECLOSURE PREVENTION PROGRAM FOR SMALL , LOW-INCOME PROPERTY OWNERS (FPP)FPP SEEKS TO ENSURE THAT AFFECTED PROPERTY OWNERS RETAIN OWNERSHIP OF THEIR RENTAL PROPERTY, THEREBY DECREASING THE LIKELIHOOD OF DISPLACEMENT OF RESIDENTIAL TENANTS, PARTICULARLY LOWER INCOME TENANTS WHO HAVE BEEN DISPROPORTIONATELY IMPACTED BY THE COVID-19 PANDEMIC.FPP PROVIDED FINANCIAL ASSISTANCE TO ELIGIBLE SMALL, LOW-INCOME PROPERTY OWNERS, WHO ARE AT RISK OF FORECLOSURE, OR ARE IN FORECLOSURE, BECAUSE OF NONPAYMENT OF RENTS DURING THE COVID-19 PANDEMIC AND DURING THE PERIOD OF THE ALAMEDA COUNTY EVICTION MORATORIUM, WHICH ENDED ON APRIL 29, 2023.THE PROGRAM LAUNCHED NOVEMBER 2022 AND CLOSED ON 6/30/2024. 1788604 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 32 0 1 9 1 0 0 0 0 0 0 0 0 0 0 X 8 8 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X THE ORGANIZATION 5106749227 22320 FOOTHILL BOULEVARD SUITE 200 HAYWARD CA 94541 SHARON BAKER BOARD MEMBER 2.00 X 0 0 0 OLGA GUTIERREZ BOARD MEMBER 2.00 X 0 0 0 SILVIA RIVAS BOARD MEMBER 1.00 X 0 0 0 NANCY RIVERA EXECUTIVE DIRECTOR 59.00 X 96177 0 0 JOANNE BAKER PRESIDENT 56.00 X 74145 0 0 ANDRES ROSALES VICE PRESIDENT 6.00 X 0 0 0 ALEX RAJO-DURAN BOARD CHAIR 6.00 X 0 0 0 ANGEL SWEET TREASURER/SECRETARY 6.00 X 0 0 0 170322 0 0 0 0 0 0 0 2430851 3376 2434227 INCOME FROM ONLINE ACT 205561 205561 OTHER INCOME 40 40 205601 37200 5805 31395 31395 2671223 205601 0 31395 170322 83156 87166 267218 44392 222826 2581 2581 33645 7721 25924 13539 10411 3128 44213 26982 17231 14427 7776 6651 32729 2137 30592 10342 7348 2994 55004 3771 51233 8823 700 8123 453 453 2160 2160 28136 28136 REINSTATE DISBURSEMENTS 1574479 1574479 OTHER ADMINISTRATIVE EX 19860 8502 11358 MEALS 14432 14432 TELEPHONE AND INTERNET 9357 9357 27993 11229 16764 2329713 1788604 541109 0 2273384 1103449 64131 124651 11502 8390 5272 3112 9476 8976 2352263 1240188 13483 1722 1441824 1455307 1722 X 896956 1238466 896956 1238466 2352263 1240188 341510 0 X 0 1 X 1 0 X 336482 581012 666478 1207340 2677028 5468340 336482 581012 666478 1207340 2677028 5468340 0 0 0 5468340 336482 581012 666478 1207340 2677028 5468340 1.00000 1.00000 0.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 10101 7760 2341 1401 630 771 3112 2677028 5805 5805 2671223 0 2671223 2335518 5805 5805 2329713 0 2329713 PART XI, LINE 2D - OTHER ADJUSTMENTS: FUNDRAISING EXPENSES NETTED WITH REVENUES PART XII, LINE 2D - OTHER ADJUSTMENTS: FUNDRAISING EXPENSES NETTED WITH REVENUES X X X ANNUAL HOUSING FAIR 37200 37200 2005 470 3330 37200 37200 2005 470 3330 5805 31395 FORM 990, PART VI, SECTION B, LINE 11B THE ENTIRE BAORD IS PROVIDED A COPY OF THE FORM 990 FOR APPROVAL PRIOR TO FILING IT WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C THE CONFLICT OF INTEREST POLICY IS UPDATED ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD AS A GROUP REVIEWS AND APPROVES ALL COMPENSATION ANNUALLY. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS DOCUMENTS AVAILABLE FOR REVIEW UPON REQUEST.