﻿<?xml version="1.0" encoding="utf-8"?>
<Return returnVersion="2024v5.2" xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.irs.gov/efile">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2026-02-22T14:18:26-06:00</ReturnTs>
    <TaxPeriodEndDt>2025-06-30</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>853738173</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>Butler Agnew &amp; Associates LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>PO BOX 498</AddressLine1Txt>
        <CityNm>BEAVER</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>15009</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-07-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>251722943</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>HOUSING OPPORTUNITIES INC</BusinessNameLine1Txt>
      </BusinessName>
      <InCareOfNm>% ZABRIAWN SMITH</InCareOfNm>
      <BusinessNameControlTxt>HOUS</BusinessNameControlTxt>
      <PhoneNum>7247287511</PhoneNum>
      <USAddress>
        <AddressLine1Txt>293 PINNEY STREET</AddressLine1Txt>
        <CityNm>ROCHESTER</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>15074</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>ZABRIAWN SMITH</PersonNm>
      <PersonTitleTxt>EXECUTIVE DIRECTOR</PersonTitleTxt>
      <PhoneNum>7247287511</PhoneNum>
      <SignatureDt>2026-02-22</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>KATHERINE M BUTLER</PreparerPersonNm>
      <PTIN>P01986559</PTIN>
      <PhoneNum>4126517363</PhoneNum>
      <PreparationDt>2026-02-22</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990 documentId="IRS990-117-Copy1" referenceDocumentId="IRS990ScheduleO-196-Copy1">
      <PrincipalOfficerNm>ZABRIAWN SMITH</PrincipalOfficerNm>
      <USAddress>
        <AddressLine1Txt>293 PINNEY STREET</AddressLine1Txt>
        <CityNm>ROCHESTER</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>15074</ZIPCd>
      </USAddress>
      <GrossReceiptsAmt>1190137</GrossReceiptsAmt>
      <GroupReturnForAffiliatesInd>false</GroupReturnForAffiliatesInd>
      <Organization501c3Ind>X</Organization501c3Ind>
      <WebsiteAddressTxt>www.housingopps.org</WebsiteAddressTxt>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <FormationYr>1997</FormationYr>
      <LegalDomicileStateCd>PA</LegalDomicileStateCd>
      <ActivityOrMissionDesc>TO ASSIST LOW AND MODERATE INCOME FAMILIES TO SECURE AND MAINTAIN OWNERSHIP OF HOUSING</ActivityOrMissionDesc>
      <VotingMembersGoverningBodyCnt>5</VotingMembersGoverningBodyCnt>
      <VotingMembersIndependentCnt>5</VotingMembersIndependentCnt>
      <TotalEmployeeCnt>7</TotalEmployeeCnt>
      <TotalVolunteersCnt>5</TotalVolunteersCnt>
      <TotalGrossUBIAmt>0</TotalGrossUBIAmt>
      <NetUnrelatedBusTxblIncmAmt>0</NetUnrelatedBusTxblIncmAmt>
      <PYContributionsGrantsAmt>127696</PYContributionsGrantsAmt>
      <CYContributionsGrantsAmt>649710</CYContributionsGrantsAmt>
      <PYProgramServiceRevenueAmt>263905</PYProgramServiceRevenueAmt>
      <CYProgramServiceRevenueAmt>357531</CYProgramServiceRevenueAmt>
      <CYInvestmentIncomeAmt>-54996</CYInvestmentIncomeAmt>
      <PYOtherRevenueAmt>11897</PYOtherRevenueAmt>
      <CYOtherRevenueAmt>59004</CYOtherRevenueAmt>
      <PYTotalRevenueAmt>403498</PYTotalRevenueAmt>
      <CYTotalRevenueAmt>1011249</CYTotalRevenueAmt>
      <CYGrantsAndSimilarPaidAmt>0</CYGrantsAndSimilarPaidAmt>
      <CYBenefitsPaidToMembersAmt>0</CYBenefitsPaidToMembersAmt>
      <PYSalariesCompEmpBnftPaidAmt>155003</PYSalariesCompEmpBnftPaidAmt>
      <CYSalariesCompEmpBnftPaidAmt>321835</CYSalariesCompEmpBnftPaidAmt>
      <CYTotalProfFndrsngExpnsAmt>0</CYTotalProfFndrsngExpnsAmt>
      <CYTotalFundraisingExpenseAmt>25953</CYTotalFundraisingExpenseAmt>
      <PYOtherExpensesAmt>168714</PYOtherExpensesAmt>
      <CYOtherExpensesAmt>334931</CYOtherExpensesAmt>
      <PYTotalExpensesAmt>323717</PYTotalExpensesAmt>
      <CYTotalExpensesAmt>656766</CYTotalExpensesAmt>
      <PYRevenuesLessExpensesAmt>79781</PYRevenuesLessExpensesAmt>
      <CYRevenuesLessExpensesAmt>354483</CYRevenuesLessExpensesAmt>
      <TotalAssetsBOYAmt>670313</TotalAssetsBOYAmt>
      <TotalAssetsEOYAmt>645584</TotalAssetsEOYAmt>
      <TotalLiabilitiesBOYAmt>557877</TotalLiabilitiesBOYAmt>
      <TotalLiabilitiesEOYAmt>178665</TotalLiabilitiesEOYAmt>
      <NetAssetsOrFundBalancesBOYAmt>112436</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>466919</NetAssetsOrFundBalancesEOYAmt>
      <MissionDesc>TO ASSIST LOW AND MODERATE INCOME FAMILIES TO SECURE AND MAINTAIN OWNERSHIP OF HOUSING.</MissionDesc>
      <SignificantNewProgramSrvcInd>false</SignificantNewProgramSrvcInd>
      <SignificantChangeInd>false</SignificantChangeInd>
      <ExpenseAmt>487234</ExpenseAmt>
      <RevenueAmt>397292</RevenueAmt>
      <Desc>THE ORGANIZATION FULFILLS ITS MISSION BY OFFERING PROGRAMS AND SERVICES SUCH AS FIRST-TIME HOMEBUYER ASSISTANCE, MORTGAGE DELINQUENCY AND FORECLOSURE PREVENTION, FINANCIAL COUNSELING, AND PRE-PURCHASE ASSISTANCE. ADDITIONALLY, THE ORGANIZATION IS DEVELOPING A REVOLVING LOAN FUND TO HELP LOW- AND MODERATE-INCOME HOMEOWNERS WITH CRITICAL HOME REPAIRS, WHICH WILL BE COMPLETED BY THE ORGANIZATIONS STAFF. THIS INITIATIVE IS UNDERTAKEN IN COLLABORATION WITH ANOTHER LOCAL NONPROFIT SPECIALIZING IN CAREER AND JOB TRAINING, ALLOWING FIELD PROFESSIONALS TO PROVIDE ON-THE-JOB TRAINING AS THESE REPAIRS ARE CARRIED OUT.</Desc>
      <TotalProgramServiceExpensesAmt>487234</TotalProgramServiceExpensesAmt>
      <DescribedInSection501c3Ind referenceDocumentId="IRS990ScheduleA-127-Copy1">true</DescribedInSection501c3Ind>
      <ScheduleBRequiredInd referenceDocumentId="IRS990ScheduleB-127-Copy1">true</ScheduleBRequiredInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>false</LobbyingActivitiesInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
      <ConservationEasementsInd>false</ConservationEasementsInd>
      <CollectionsOfArtInd>false</CollectionsOfArtInd>
      <CreditCounselingInd>false</CreditCounselingInd>
      <DonorRstrOrQuasiEndowmentsInd>false</DonorRstrOrQuasiEndowmentsInd>
      <ReportLandBuildingEquipmentInd referenceDocumentId="IRS990ScheduleD-178-Copy1">true</ReportLandBuildingEquipmentInd>
      <ReportInvestmentsOtherSecInd>false</ReportInvestmentsOtherSecInd>
      <ReportProgramRelatedInvstInd>false</ReportProgramRelatedInvstInd>
      <ReportOtherAssetsInd>false</ReportOtherAssetsInd>
      <ReportOtherLiabilitiesInd referenceDocumentId="IRS990ScheduleD-127-Copy1">true</ReportOtherLiabilitiesInd>
      <IncludeFIN48FootnoteInd>false</IncludeFIN48FootnoteInd>
      <IndependentAuditFinclStmtInd>false</IndependentAuditFinclStmtInd>
      <ConsolidatedAuditFinclStmtInd>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>false</GrantsToOrganizationsInd>
      <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
      <ScheduleJRequiredInd>false</ScheduleJRequiredInd>
      <TaxExemptBondsInd>false</TaxExemptBondsInd>
      <EngagedInExcessBenefitTransInd>false</EngagedInExcessBenefitTransInd>
      <PYExcessBenefitTransInd>false</PYExcessBenefitTransInd>
      <LoanOutstandingInd referenceDocumentId="IRS990ScheduleL-127-Copy1">true</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>25</IRPDocumentCnt>
      <IRPDocumentW2GCnt>0</IRPDocumentW2GCnt>
      <BackupWthldComplianceInd>true</BackupWthldComplianceInd>
      <EmployeeCnt>7</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>5</GoverningBodyVotingMembersCnt>
      <IndependentVotingMemberCnt>5</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>false</RegularMonitoringEnfrcInd>
      <WhistleblowerPolicyInd>true</WhistleblowerPolicyInd>
      <DocumentRetentionPolicyInd>true</DocumentRetentionPolicyInd>
      <CompensationProcessCEOInd>true</CompensationProcessCEOInd>
      <CompensationProcessOtherInd>true</CompensationProcessOtherInd>
      <InvestmentInJointVentureInd>false</InvestmentInJointVentureInd>
      <UponRequestInd>X</UponRequestInd>
      <BooksInCareOfDetail>
        <PersonNm>ZABRIAWN SMITH</PersonNm>
        <PhoneNum>7247287511</PhoneNum>
        <USAddress>
          <AddressLine1Txt>293 PINNEY STREET</AddressLine1Txt>
          <CityNm>ROCHESTER</CityNm>
          <StateAbbreviationCd>PA</StateAbbreviationCd>
          <ZIPCd>15074</ZIPCd>
        </USAddress>
      </BooksInCareOfDetail>
      <Form990PartVIISectionAGrp>
        <PersonNm>ZABRIAWN SMITH</PersonNm>
        <TitleTxt>EXECUTIVE DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>92199</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>TED GEORGE</PersonNm>
        <TitleTxt>CHAIR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>RICHARD MICHAELS</PersonNm>
        <TitleTxt>TREASURER</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>SANDRA CURRY</PersonNm>
        <TitleTxt>SECREATRY</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>ADRIONA WILLIAMS</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>SARA LOWMAN</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>1.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>92199</TotalReportableCompFromOrgAmt>
      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
      <TotalOtherCompensationAmt>0</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>0</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <GovernmentGrantsAmt>474710</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>175000</AllOtherContributionsAmt>
      <TotalContributionsAmt>649710</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>COUNSELING INCOME</Desc>
        <BusinessCd>624200</BusinessCd>
        <TotalRevenueColumnAmt>357531</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>357531</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>357531</TotalProgramServiceRevenueAmt>
      <GrossRentsGrp>
        <RealAmt>19243</RealAmt>
      </GrossRentsGrp>
      <RentalIncomeOrLossGrp>
        <RealAmt>19243</RealAmt>
      </RentalIncomeOrLossGrp>
      <NetRentalIncomeOrLossGrp>
        <TotalRevenueColumnAmt>19243</TotalRevenueColumnAmt>
      </NetRentalIncomeOrLossGrp>
      <GrossAmountSalesAssetsGrp>
        <OtherAmt>123892</OtherAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <OtherAmt>178888</OtherAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <OtherAmt>-54996</OtherAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>-54996</TotalRevenueColumnAmt>
      </NetGainOrLossInvestmentsGrp>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>0</TotalRevenueColumnAmt>
      </NetIncmFromFundraisingEvtGrp>
      <OtherRevenueMiscGrp>
        <Desc>OTHER INCOME</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>39761</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>39761</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>39761</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1011249</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>397292</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </TotalRevenueGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>92199</TotalAmt>
        <ProgramServicesAmt>69149</ProgramServicesAmt>
        <ManagementAndGeneralAmt>18440</ManagementAndGeneralAmt>
        <FundraisingAmt>4610</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>210277</TotalAmt>
        <ProgramServicesAmt>157708</ProgramServicesAmt>
        <ManagementAndGeneralAmt>42055</ManagementAndGeneralAmt>
        <FundraisingAmt>10514</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>445</TotalAmt>
        <ProgramServicesAmt>334</ProgramServicesAmt>
        <ManagementAndGeneralAmt>89</ManagementAndGeneralAmt>
        <FundraisingAmt>22</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>18914</TotalAmt>
        <ProgramServicesAmt>14185</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3783</ManagementAndGeneralAmt>
        <FundraisingAmt>946</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>7321</TotalAmt>
        <ProgramServicesAmt>5491</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1464</ManagementAndGeneralAmt>
        <FundraisingAmt>366</FundraisingAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>14954</TotalAmt>
        <ProgramServicesAmt>11215</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2991</ManagementAndGeneralAmt>
        <FundraisingAmt>748</FundraisingAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>26839</TotalAmt>
        <ProgramServicesAmt>20129</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5368</ManagementAndGeneralAmt>
        <FundraisingAmt>1342</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <OfficeExpensesGrp>
        <TotalAmt>36816</TotalAmt>
        <ProgramServicesAmt>27612</ProgramServicesAmt>
        <ManagementAndGeneralAmt>7363</ManagementAndGeneralAmt>
        <FundraisingAmt>1841</FundraisingAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>28329</TotalAmt>
        <ProgramServicesAmt>21247</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5666</ManagementAndGeneralAmt>
        <FundraisingAmt>1416</FundraisingAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>6724</TotalAmt>
        <ProgramServicesAmt>5043</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1345</ManagementAndGeneralAmt>
        <FundraisingAmt>336</FundraisingAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>10256</TotalAmt>
        <ProgramServicesAmt>10256</ProgramServicesAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>49516</TotalAmt>
        <ProgramServicesAmt>37137</ProgramServicesAmt>
        <ManagementAndGeneralAmt>9903</ManagementAndGeneralAmt>
        <FundraisingAmt>2476</FundraisingAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>19179</TotalAmt>
        <ProgramServicesAmt>14384</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3836</ManagementAndGeneralAmt>
        <FundraisingAmt>959</FundraisingAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>PROGRAMMING FEES</Desc>
        <TotalAmt>94137</TotalAmt>
        <ProgramServicesAmt>94137</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>FIRST TIME HOMEBUYERS EXP</Desc>
        <TotalAmt>33118</TotalAmt>
        <ProgramServicesAmt>33118</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>TELEPHONE &amp; COMMUNICATION</Desc>
        <TotalAmt>7537</TotalAmt>
        <ProgramServicesAmt>5653</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1507</ManagementAndGeneralAmt>
        <FundraisingAmt>377</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MISCELLANEOUS</Desc>
        <TotalAmt>205</TotalAmt>
        <ProgramServicesAmt>205</ProgramServicesAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>656766</TotalAmt>
        <ProgramServicesAmt>527003</ProgramServicesAmt>
        <ManagementAndGeneralAmt>103810</ManagementAndGeneralAmt>
        <FundraisingAmt>25953</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>71799</BOYAmt>
        <EOYAmt>390</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <EOYAmt>280</EOYAmt>
      </AccountsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>1681</BOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>714081</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>71776</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>589107</BOYAmt>
        <EOYAmt>642305</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>7726</BOYAmt>
        <EOYAmt>2609</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>670313</BOYAmt>
        <EOYAmt>645584</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>20748</BOYAmt>
        <EOYAmt>34718</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <BOYAmt>175000</BOYAmt>
      </DeferredRevenueGrp>
      <LoansFromOfficersDirectorsGrp>
        <EOYAmt>5333</EOYAmt>
      </LoansFromOfficersDirectorsGrp>
      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>330169</BOYAmt>
        <EOYAmt>65196</EOYAmt>
      </MortgNotesPyblScrdInvstPropGrp>
      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>24022</BOYAmt>
        <EOYAmt>70717</EOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>7938</BOYAmt>
        <EOYAmt>2701</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>557877</BOYAmt>
        <EOYAmt>178665</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>112436</BOYAmt>
        <EOYAmt>466919</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>112436</BOYAmt>
        <EOYAmt>466919</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>670313</BOYAmt>
        <EOYAmt>645584</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>354483</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>true</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>false</FSAuditedInd>
      <AuditCommitteeInd>false</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="IRS990ScheduleA-164-Copy1">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>101696</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>22435</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>138056</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>127696</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>649710</CurrentTaxYearAmt>
        <TotalAmt>1039593</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>101696</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>22435</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>138056</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>127696</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>649710</CurrentTaxYearAmt>
        <TotalAmt>1039593</TotalAmt>
      </TotalCalendarYear170Grp>
      <SubstantialContributorsTotAmt>175000</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>864593</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>150</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>10</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>27</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>10843</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>19243</CurrentTaxYearAmt>
        <TotalAmt>30273</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>397</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus1YearAmt>1054</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>39761</CurrentTaxYearAmt>
        <TotalAmt>41212</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>1111078</TotalSupportAmt>
      <PublicSupportCY170Pct>0.77820</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.91984</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="IRS990ScheduleB-175-Copy1">
      <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="IRS990ScheduleD-178-Copy1">
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>70680</OtherCostOrOtherBasisAmt>
        <BookValueAmt>70680</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>36820</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>28527</DepreciationAmt>
        <BookValueAmt>8293</BookValueAmt>
      </EquipmentGrp>
      <OtherLandBuildingsGrp>
        <OtherCostOrOtherBasisAmt>606581</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>43249</DepreciationAmt>
        <BookValueAmt>563332</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>642305</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>OPERATING LEASE LIABILITY</Desc>
        <Amt>2701</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>2701</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="IRS990ScheduleL-192-Copy1">
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>ZABRIAWN SMITH</PersonNm>
        <RelationshipWithOrgTxt>EXECUTIVE DIRECTOR</RelationshipWithOrgTxt>
        <LoanPurposeTxt>WITHDRAWAL</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>5333</OriginalPrincipalAmt>
        <BalanceDueAmt>5333</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>false</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <TotalBalanceDueAmt>5333</TotalBalanceDueAmt>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="IRS990ScheduleO-197-Copy1">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 IS REVIEWED BY THE BOARD PRIOR TO BEING FILED.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 15a or b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE EACH YEAR.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 15a or b</FormAndLineReferenceDesc>
        <ExplanationTxt>SALARY RAISES ARE BASED ON THIS REVIEW.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>