Nonprofit · EIN 77-0545135
HOUSING TRUST SILICON VALLEY
Tax-exempt · SAN JOSE, CA 95113
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| June 30, 2025 | 990 | $56,290,504 | $13,642,259 | $42,648,245 | $313,661,440 | $130,195,269 | $183,466,171 |
| June 30, 2024 | 990 | $16,521,006 | $9,922,102 | $6,598,904 | $276,529,893 | $135,997,410 | $140,532,483 |
| June 30, 2023 | 990 | $23,027,841 | $8,717,922 | $14,309,919 | $244,644,739 | $118,779,685 | $125,865,054 |
Financial details: 990 for the year ended June 30, 2025
Revenue
- Contributions, gifts and grants
- $42,711,903
- of which government grants
- $1,377,612
- Program service revenue
- $9,388,788
- Investment income
- $4,174,151
- Net gain from sales of assets
- $196,521
- Other revenue
- $15,662
Expenses
- Grants and similar amounts paid
- $322,874
- Compensation of officers, directors and key employees
- $1,609,352
- Other salaries and wages
- $3,556,260
- Salaries, compensation and benefits (total)
- $6,028,649
- Professional fundraising fees
- $0
- Legal fees
- $99,156
- Accounting fees
- $155,029
- Occupancy
- $353,721
- Travel
- $63,095
- Depreciation
- $72,738
- Program services (functional)
- $9,722,405
- Management and general (functional)
- $3,166,475
- Fundraising (functional)
- $753,379
Balance sheet and other
- Total assets, start of year
- $276,529,893
- Total assets, end of year
- $313,661,440
- Total liabilities, end of year
- $130,195,269
- Net assets, end of year
- $183,466,171
- Land, buildings and equipment
- $90,986
- Publicly traded securities
- $18,559,365
- Net assets without donor restrictions
- $152,339,011
- Net assets with donor restrictions
- $31,127,160
- Gross receipts
- $81,367,147
- Employees
- 42
- Volunteers
- 21
- Year formed
- 2000
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended June 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANTONIETA RAMOS | CHIEF EXECUTIVE OFFICER Officer | 40 | $444,324 | $21,095 |
| JULIE MAHOWALD | CFO & HEAD OF P'SHIPS & STRATEGY Officer | 40 | $333,938 | $36,108 |
| JULIE QUINN | CHIEF PROGRAM & IMPACT OFFICER Officer | 40 | $242,026 | $31,325 |
| NAZMIN BISHOP | CHIEF DEV. & COM. OFF. (UNTIL 10/24) Officer | 40 | $194,267 | $36,122 |
| GUADALUPE DE LOURDES MEDINA MENDEZ | HUMAN RESOURCES DIRECTOR Highest-paid employee | 40 | $200,888 | $21,285 |
| FATHIA MACAULEY | FORMER CHIEF LENDING OFFICER Former | 40 | $201,693 | $19,405 |
| STEPHANEY KIPPLE | MULTIFAMILY LENDING MANAGER Highest-paid employee | 40 | $189,917 | $16,739 |
| BRENT MALLOY | CONTROLLER Highest-paid employee | 40 | $156,285 | $39,054 |
| MARTHA LOPEZ | MANAGER, LOAN ADMIN Highest-paid employee | 40 | $148,601 | $25,692 |
| VIVIAN VO | ACCOUNTING MANAGER Highest-paid employee | 40 | $159,231 | $12,003 |
| LISA GUTIERREZ | CHAIR Trustee or director, Officer | 4 | $0 | $0 |
| JONATHAN FEARN | FIRST/SECOND VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| KEVIN DEEBLE | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| SHARON LEE | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| JOE ANZALONE | DIRECTOR Trustee or director | 1 | $0 | $0 |
14 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JANA BARSTEN | DIRECTOR Trustee or director | 1 | $0 |
| MIKE BEASLEY | DIRECTOR Trustee or director | 1 | $0 |
| TATIANA BLANK | DIRECTOR Trustee or director | 1 | $0 |
| EMILY DE LA GUERRA | DIRECTOR Trustee or director | 1 | $0 |
| KATIE FERRICK | DIRECTOR Trustee or director | 1 | $0 |
| FIONA HSU | DIRECTOR Trustee or director | 1 | $0 |
| WELTON JORDAN | DIRECTOR Trustee or director | 1 | $0 |
| MEG MCGRAW-SCHERER | DIRECTOR Trustee or director | 1 | $0 |
| SINDY SPIVAK | DIRECTOR Trustee or director | 1 | $0 |
| TIM STEELE | DIRECTOR Trustee or director | 1 | $0 |
| DANA STRANZ | DIRECTOR Trustee or director | 1 | $0 |
| AHMAD THOMAS | DIRECTOR Trustee or director | 1 | $0 |
| SEAN CALLUM | CHIEF CREDIT & RISK OFF. (BEG 01/25) Officer | 40 | $0 |
| NICHOLAS FRIEND | CHIEF LENDING OFF. (BEG 02/25) Officer | 40 | $0 |
990 for the year ended June 30, 2024: 28 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANTONIETA RAMOS | CHIEF EXECUTIVE OFFICER Officer | 40 | $429,813 | $20,290 |
| JULIE MAHOWALD | CFO & HEAD OF P'SHIPS AND STRATEGY Officer | 40 | $299,491 | $32,085 |
| FATHIA MACAULEY | CHIEF LENDING OFF. (UNTIL 06/18/24) Officer | 40 | $225,277 | $25,572 |
| NAZMIN BISHOP | CHIEF DEV. & COM. OFFICER Officer | 40 | $170,407 | $37,410 |
| PRATHIT THAKER | CHIEF CREDIT OFFICER (UNTIL 10/20/23) Officer | 40 | $173,051 | $33,423 |
| GUADALUPE DE LOURDES MEDINA MENDEZ | HUMAN RESOURCES DIRECTOR Highest-paid employee | 40 | $175,699 | $19,200 |
| BRENT MALLOY | CONTROLLER Highest-paid employee | 40 | $158,099 | $34,989 |
| VIVIAN VO | ACCOUNTING MANAGER Highest-paid employee | 40 | $149,112 | $18,696 |
| MARTHA LOPEZ | MANAGER, LOAN ADMIN Highest-paid employee | 40 | $140,284 | $24,468 |
| STEPHANEY KIPPLE | MULTIFAMILY LENDING MANAGER Highest-paid employee | 40 | $148,618 | $15,012 |
| JOE ANZALONE | CHAIR Trustee or director, Officer | 4 | $0 | $0 |
| LISA GUTIERREZ | FIRST/SECOND VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| KEVIN DEEBLE | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| SHARON LEE | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| JANA BARSTEN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MIKE BEASLEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TATIANA BLANK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ART FATUM | DIRECTOR (UNTIL 02/01/24) Trustee or director | 1 | $0 | $0 |
| JONATHAN FEARN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATIE FERRICK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FIONA HSU | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MEG MCGRAW-SCHERER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| HILDA RAMIREZ | DIRECTOR (UNTIL 02/01/24) Trustee or director | 1 | $0 | $0 |
| CRAIG ROBINSON | DIRECTOR (UNTIL 02/01/24) Trustee or director | 1 | $0 | $0 |
| DANA STRANZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TIM STEELE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| AHMAD THOMAS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JULIE QUINN | CHIEF PROG & IMPACT OFF. (BEG 01/24) Officer | 40 | $0 | $0 |
990 for the year ended June 30, 2023: 27 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANTONIETA RAMOS | CHIEF EXECUTIVE OFFICER Officer | 40 | $408,789 | $19,048 |
| JULIE MAHOWALD | CHIEF FINANCIAL OFFICER Officer | 40 | $289,968 | $30,713 |
| FATHIA MACAULEY | CHIEF LENDING OFFICER Officer | 40 | $198,143 | $24,328 |
| PRATHIT THAKER | CHIEF CREDIT OFFICER Officer | 40 | $190,142 | $22,250 |
| NAZMIN BISHOP | CHIEF DEV. & COM. OFFICER Officer | 40 | $164,220 | $31,010 |
| BRENT MALLOY | CONTROLLER Highest-paid employee | 40 | $145,208 | $29,776 |
| GUADALUPE DE LOURDES MEDINA MENDEZ | HUMAN RESOURCES DIRECTOR Highest-paid employee | 40 | $156,433 | $17,375 |
| VIVIAN VO | ACCOUNTING MANAGER Highest-paid employee | 40 | $137,072 | $26,029 |
| STEPHANEY KIPPLE | SENIOR LOAN OFFICER Highest-paid employee | 40 | $137,305 | $13,681 |
| MARTHA LOPEZ | MANAGER, LOAN ADMIN Highest-paid employee | 40 | $123,478 | $22,610 |
| JOE ANZALONE | CHAIR Trustee or director, Officer | 4 | $0 | $0 |
| LISA GUTIERREZ | FIRST/SECOND VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| KEVIN DEEBLE | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| SHARON LEE | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| MIKE BEASLEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARY CHANDLER | DIRECTOR (UNTIL 2/1/23) Trustee or director | 1 | $0 | $0 |
| ART FATUM | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JONATHAN FEARN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATIE FERRICK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAPIA GAMBELIN | DIRECTOR (UNTIL 2/1/23) Trustee or director | 1 | $0 | $0 |
| FIONA HSU | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATIA KAMANGAR | DIRECTOR (UNTIL 2/1/23) Trustee or director | 1 | $0 | $0 |
| MEG MCGRAW-SCHERER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| HILDA RAMIREZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CRAIG ROBINSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TIM STEELE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| AHMAD THOMAS | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 75 E SANTA CLARA ST STE 1350, SAN JOSE, CA 95113-1838
- Principal officer (990 for 2024)
- ANTONIETA RAMOS, 75 E SANTA CLARA STREET 1350, SAN JOSE, CA 95113
- Signed the 990
- ANTONIETA RAMOS, CHIEF EXECUTIVE OFFICER
- Phone
- (408) 703-3837
- Website
- WWW.HOUSINGTRUSTSV.ORG
- Return prepared by
- RSM US LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 77-0545135 or by the name HOUSING TRUST SILICON VALLEY.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
OUR MISSION AT HOUSING TRUST SILICON VALLEY, IS TO USE TRANSFORMATIVE HOUSING FINANCE AND PUBLIC AND PRIVATE PARTNERSHIPS TO CREATE MORE EQUITABLE AND AFFORDABLE COMMUNITIES.
Program accomplishments
- THE COMPETITIVE REAL ESTATE MARKET IN THE GREATER BAY AREA CREATES A CHALLENGING ENVIRONMENT FOR AFFORDABLE HOUSING DEVELOPMENT. SINCE 2000, HOUSING TRUST HAS MADE LOANS TO 208 AFFORDABLE HOUSING PROJECTS, TOTALING OVER $620 MILLION IN FUNDING AND RESULTING IN 18,945 AFFORDABLE RENTAL HOMES. OUR BORROWERS ARE TYPICALLY COMMUNITY-BASED, NON-PROFIT AND MISSION ALIGNED FOR-PROFIT AFFORDABLE HOUSING DEVELOPERS WHOSE COLLECTIVE MISSION IS TO INCREASE AND PRESERVE THE AFFORDABLE HOUSING STOCK IN THE COMMUNITIES THEY SERVE, AND BY SO DOING, REVITALIZE SUCH COMMUNITIES. WE LEND IN THE GREATER BAY AREA INCLUDING ALAMEDA, CONTRA COSTA, MARIN, MONTEREY, NAPA, SACRAMENTO, SAN BENITO, SAN FRANCISCO, SAN JOAQUIN, SAN MATEO, SANTA CLARA, SANTA CRUZ, SOLANO, AND SONOMA COUNTIES.Expenses $6,583,202 · grants $297,874 · revenue $8,591,579
- SIX-FIGURE DOWN PAYMENTS CAN PUT THE DREAM OF HOMEOWNERSHIP OUT OF REACH. HOUSING TRUST OFFERS FIRST TIME HOMEBUYERS THE EDUCATION AND COUNSELING AND DEFERRED INTEREST LOANS. HOUSING TRUST'S HOMEBUYER TEAM OFFERS ONE-ON-ONE SESSIONS THAT COVER TOPICS INCLUDING SAVING FOR A DOWN PAYMENT AND RESERVES, HOW TO SELECT AND WORK WITH REALTORS AND MORTGAGE LOAN OFFICERS AND WHAT TO EXPECT UPON CLOSING ON A NEW HOME. HOUSING TRUST'S FINANCIAL PRODUCTS REDUCE THE BURDEN OF 20% DOWN PAYMENT REQUIREMENTS AND BRIDGE THE GAP BETWEEN WHAT LOW- TO MIDDLE-INCOME BUYERS CAN AFFORD TO BORROW AND THE EQUITY REQUIRED TO DO SO. SINCE 2000 WE HAVE OFFERED HOMEBUYER DOWN PAYMENT ASSISTANCE AS DEFERRED, AMORTIZING AND EQUITY SHARE LOANS, DEPENDING ON INCOME LEVEL AND NEEDS OF THE BORROWER. OUR LOANS UNDER THESE PROGRAMS RANGE FROM $6,500 TO $250,000. WE HAVE MADE 2,635 DOWN PAYMENT ASSISTANCE LOANS TOTALING OVER $66 MILLION SINCE OUR FOUNDING. IN FY25, HOUSING TRUST PROVIDED EDUCATION AND COUNSELING TO 382 HOPEFUL HOMEBUYERS, MADE TWENTY DOWN PAYMENT ASSISTANCE LOANS.Expenses $1,005,517 · revenue $779,754
- POLICY AND EDUCATION: HOUSING TRUST ENGAGES IN POLICY AND EDUCATION EFFORTS TO STRENGTHEN THE AFFORDABLE HOUSING MARKET IN OUR REGION. THIS INCLUDES SUPPORTING LOCAL AND STATE INITIATIVES THAT PROMOTE AFFORDABLE HOUSING DEVELOPMENT AND ADVOCATING FOR POLICIES THAT ADDRESS HOUSING AFFORDABILITY.Expenses $197,187 · grants $25,000
- OTHER PROGRAMSExpenses $1,936,499 · revenue $17,455
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | 990 on file |
| 2023 | June 30, 2024 | November 15, 2024 | 990 on file |
IRS record
- EIN
- 77-0545135
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2000
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Housing and shelter (L800)
- Assets (IRS master file)
- $313,661,440
- Income (IRS master file)
- $81,367,147
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | June 2025 | $56,290,504 | $13,642,259 | $313,661,440 | XML |
| 990 | June 2024 | $16,521,006 | $9,922,102 | $276,529,893 | XML |
| 990 | June 2023 | $23,027,841 | $8,717,922 | $244,644,739 | XML |
| 990 | June 2022 | $26,012,346 | $20,047,859 | $240,898,899 | IRS |
| 990 | June 2021 | – | – | – | IRS |
| 990 | June 2020 | – | – | – | IRS |
| 990 | June 2019 | – | – | – | IRS |
| 990 | June 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 77-0545135).
Questions about HOUSING TRUST SILICON VALLEY
- What is the EIN of HOUSING TRUST SILICON VALLEY?
- The employer identification number (EIN) of HOUSING TRUST SILICON VALLEY is 77-0545135.
- Is HOUSING TRUST SILICON VALLEY tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2000.
- Are donations to HOUSING TRUST SILICON VALLEY tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does HOUSING TRUST SILICON VALLEY file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of HOUSING TRUST SILICON VALLEY due?
- The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did HOUSING TRUST SILICON VALLEY last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended June 2025.
- Who is the principal officer of HOUSING TRUST SILICON VALLEY?
- The 990 for the year ended June 30, 2025 names ANTONIETA RAMOS.
- Who are the officers and directors of HOUSING TRUST SILICON VALLEY?
- The 990 for the year ended June 30, 2025 lists 29 people; 10 received compensation from the organization, the highest $444,324 (ANTONIETA RAMOS, CHIEF EXECUTIVE OFFICER).
- How much revenue does HOUSING TRUST SILICON VALLEY have?
- On its 990 for the year ended June 30, 2025 it reported revenue of $56,290,504, expenses of $13,642,259 and total assets of $313,661,440 at year end.
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All nonprofits in SAN JOSE · California · Housing and shelter