2024-10-24T05:43:29-04:00 2022-12-31 651203044 Jacqueline M Mells CPA 3395 Cypress Mill Road Suite B Brunswick GA 31520 990 2022-01-01 582647162 TOTALLY FREE INC TOTA 84 BUCKINGHAM PLACE STE B Brunswick GA 31525 MILLICENT HARWELL DIRECTOR 9122651515 2024-09-11 false Jacqueline M Mells P00691696 9122423301 2024-10-24 X 2022 2024-10-15 13:58:12Z 243284 false X WWW.TOTALLYFREEINC.ORG X 2001 GA HOMEBUYER EDUCATION AND COUNSELING DETAILING THE HOME OWNERSHIP PROCESS AND PROVIDING KNOWLEDGE OF GOVERNMENT PROGRAMS, HOME EQUITY CONVERSION MORTGAGES, REVERSE MORTGAGE COUNSELING,SPECIAL ASSISTANCE AND LOSS MITIGATION DUE TO FORECLOSURE 5 5 2 2 0 0 199999 167809 75475 0 0 199999 243284 0 0 41341 31699 0 0 190059 168846 231400 200545 -31401 42739 42970 17472 70855 55500 -27885 -38028 HOMEBUYER EDUCATION AND COUNSELING DETAILING THE HOME OWNERSHIP PROCESS AND PROVIDING KNOWLEDGE OF GOVERNMENT PROGRAMS, HOME EQUITY CONVERSION MORTGAGES, REVERSE MORTGAGE COUNSELING,SPECIAL ASSISTANCE AND LOSS MITIGATION DUE TO FORECLOSURE false false 93654 111371 HOUSING STABILITY COUNSELING PROGRAM - SUPPORT HOUSING COUNSELING FOR HOUSEHOLDS FACING HOUSING INSTABILITY, SUCH AS EVICTION, DAFAULT, FORECLOSURE, LOSS OF INCOME OR HOMELESSNESS. PROVIDE INFORMATION FOR HOMEOWNERS AND RESENTING SEEKING ACCESS TO SERVICES AND RESOURCES. 48 CLIENTS FACING MORTGAGE DEFAULT WERE COUNSELED ON FORECLOSURE PREVENTION. HOUSING COUSELING WAS PROVIDED FOR 7 CLIENTS REGARDING NON DELIQUENCY POST PURCHASE FOR REFINANCE, REPAIRS AND EARLY PAYOFFS. 76 CLIENTS WERE ASSISTED WITH RENTAL RESOURCES AND LANDLORD HELP17 PARTICIPANTS RECEIVED HOMELESS COUNSELING RESOURCES. 63573 75475 HOME EQUITY CONVERSION MORTAGES AND REVERSE MORTGAGE COUNSELING - ASSISTED SENIORS WHO SEEK TO CONVERT PART OF THE EQUITY IN THEIR HOME TO CASH. TOTALLY FREE COUNSELED 1,093 CLIENTS IN 2022. 43318 50475 963 HOMEBUYER EDUCATION/COUNSELING - TOTALLY FREE INC PROVIDED EDUCATION AND FINANCIAL LITERACY WORKSHOP EMPOWERING A CLIENTS PURCHASE. 4 WORKSHOPS WERE HELD IN 2022 WITH A TOTAL ATTENDANCE OF 75. 65 CLIENTS RECEIVED A FULL SPECTRUM OF HOUSING COUNSELING, INCLUDING PERSONALIZED PLANS FOR MORTGAGE READINESS. GROUP EDUCATION AND A MORTGAGE DEFAULT WORKSHOP WERE OFFERED. 200545 true true false false false false false false false true false false false false false false false false false false false false false false false false false false false false false false true false false false false false false false false false false false false false true 6 0 true 2 true false false false false false false false false X 5 5 true false false false true true true true true false false true true true true true true true true false X THE ORGANIZATION 9122651515 84 BUCKINGHAM PLACE NO B Brunswick GA 31525 X NED CAPITAN BOARD MEMBER 1.00 0.00 X 0 0 0 GARY A CROSS BOARD MEMBER 25.00 0.00 X 0 0 0 BRAD BROWN BOARD MEMBER 1.00 0.00 X 0 0 0 MILLICENT HARWELL CROSS DIRECTOR 40.00 0.00 X 0 0 0 DOROTHY LEE MELTON SECRETARYTREASURER 2.00 0.00 X 0 0 0 ABRA REED PRESIDENT 1.00 0.00 X 0 0 0 0 0 0 0 false false false 162809 5000 167809 HECM CLOSING FEES 531390 75475 75475 75475 243284 75475 0 0 29124 29124 2575 2575 118268 118268 1400 1400 857 857 9016 9016 2513 2513 11477 11477 358 358 90 90 UTILITIES 10891 10891 13976 13976 200545 200545 0 0 572 42870 100 15600 1300 7388 7388 42970 17472 39502 42735 10225 3478 9567 9287 11561 70855 55500 X -27885 -38028 -27885 -38028 42970 17472 X 42739 -52882 X false false true true X 132243 169646 146827 194999 243029 886744 132243 169646 146827 194999 243029 886744 886744 886744 1.00000 1.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 7388 7388 CASH DEFICIT GARY CROSS BOARD MEMBER OPERATING EXPENSES X 1100 false false true HOWARD NICKLAUS HECM COUNSELOR OPERATING EXPENSES X 2183 2183 false false true DONOVAN OPERATING EXPENSES X 195 195 false true false 3478 Supplemental Information for Schedule L LOANS FROM INTERESTED PARTIES - AS IDENTIFIED ON SCHEDULE L Officer directors etc family relationship Part VI line 2 GARY A CROSS BOARD MEMBER IS THE SPOUSE OF THE DIRECTOR MILLICENT HARWELL CROSS Members or stockholder classes and rights Part VI line 6 THE GOVERNING BODY OF TOTALLY FREE INC CONSISTS OF A PRESIDENT, SECRETARY, TREASURER AND THREE BOARD MEMBERS. Member election for additional members Part VI line 7a MEMBERS MAY ELECT TO HAVE ADDITIONAL MEMBERS BY MAJORITY VOTE. Governing body decisions Part VI line 7b GOVERNING BODY DECISIONS ARE APPROVED BY MAJORITY VOTE. Form 990 governing body review Part VI line 11 GOVERNING BODY REVIEWS COMPLETED 990 RETURN PRIOR TO SUBMISSION. Conflict of interest policy compliance Part VI line 12c ORGANIZATION HAS CONFLICT OF INTEREST POLICY IDENTIFYING WHAT ACTIONS CONSTITUTE A CONFLICT OF INTEREST. CEO executive director top management comp Part VI line 15a COMPENSATION FOR TOP MANAGEMENT OFFICIALS ARE DETERMINED BY EXPERIENCE AND COMPARING COMPENSATION OF WORK PERFORMED IN A SIMILAR FIELD. Other officer or key employee compensation Part VI line 15b COMPENSATION FOR KEY EMPLOYEES AND OFFICERS ARE DETERMINED BY EXPERIENCE AND COMPARING COMPENSATION OF WORK PERFORMED IN A SIMILAR FIELD. Governing documents etc available to public Part VI line 19 GOVERNING DOCUMENTS OF ORGANIZATION ARE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. Explanation of other changes in net assets or fund balances Part XI line 9 OTHER CHANGES IN NET ASSETS IS DUE TO AN IDENTIFIED ERROR OF $31,909 IN PAYROLL THAT HAS NOT BEEN CORRECTED. THE REMAINING ADJUSTMENT OF $20,973 HAS NOT BEEN IDENTIFIED BUT MAY BE RELATED TO A PRIOR PERIOD.