Civic Intelligence

Housing Opportunites Made Easier

EIN 20-4616988 • 501(c)3 • Camarillo, CA

Profile

Promote fair, accessible housing for all levels of affordability through advocacy, education and support

PO Box 191Camarillo, CA 93011

www.vchome.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

64th percentile

0.00x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

67th percentile

0.01x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

27th percentile

-15%

Higher net margin than 27% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

94th percentile

$55,520

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 58.8% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

40th percentile

-9.9%

Faster asset growth than 40% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

49th percentile

-2.9%

Faster revenue growth than 49% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets64th percentile

Assets

Down

$125,600

Down $13,868 (-9.9%) from 2024

Liabilities

Flat

$490

Flat from 2024

Net Assets

Down

$125,110

Down $13,868 (-10.0%) from 2024

Operations
Liabilities / Revenue67th percentileNet Margin27th percentile

Revenue

Down

$94,372

Down $2,864 (-2.9%) from 2024

Expenses

Down

$108,240

Down $3,307 (-3.0%) from 2024

Net Income

Up

-$13,868

Up $443 (+3.1%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth40th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300K$200K$100K$0Assets 2011: $63,813Liabilities 2011: $2072011Assets 2012: $266,230Liabilities 2012: $29,674Net Assets 2012: $236,5562012Assets 2013: $235,894Liabilities 2013: $2,180Net Assets 2013: $233,7142013Assets 2014: $240,873Liabilities 2014: $4,680Net Assets 2014: $236,1932014Assets 2015: $221,356Liabilities 2015: $2,180Net Assets 2015: $219,1762015Assets 2016: $222,814Liabilities 2016: $2,180Net Assets 2016: $220,6342016Assets 2017: $211,242Liabilities 2017: $0Net Assets 2017: $211,2422017Assets 2018: $115,403Liabilities 2018: $02018Assets 2019: $132,652Net Assets 2019: $132,6522019Assets 2020: $141,068Liabilities 2020: $1,6602020Assets 2021: $143,867Liabilities 2021: $35Net Assets 2021: $143,8322021Assets 2022: $139,948Liabilities 2022: $47Net Assets 2022: $139,9012022Assets 2023: $153,588Liabilities 2023: $299Net Assets 2023: $153,2892023Assets 2024: $139,468Liabilities 2024: $490Net Assets 2024: $138,9782024Assets 2025: $125,600Liabilities 2025: $490Net Assets 2025: $125,1102025

Highlighted filing

2025

Assets$125,600
Liabilities$490
Net Assets$125,110
Open 2025 Filing

Operations Trend

Revenue Growth49th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KRevenue 2011: $124,370Expenses 2011: $129,703Net Income 2011: -$5,3332011Expenses 2012: $135,1492012Revenue 2013: $66,164Expenses 2013: $69,006Net Income 2013: -$2,8422013Revenue 2014: $65,199Expenses 2014: $62,720Net Income 2014: $2,4792014Revenue 2015: $54,786Expenses 2015: $71,803Net Income 2015: -$17,0172015Revenue 2016: $70,179Expenses 2016: $68,721Net Income 2016: $1,4582016Revenue 2017: $54,992Expenses 2017: $64,384Net Income 2017: -$9,3922017Revenue 2018: $56,796Expenses 2018: $59,859Net Income 2018: -$3,0632018Revenue 2019: $62,268Expenses 2019: $45,019Net Income 2019: $17,2492019Revenue 2020: $45,851Expenses 2020: $39,095Net Income 2020: $6,7562020Revenue 2021: $59,704Expenses 2021: $55,280Net Income 2021: $4,4242021Revenue 2022: $64,871Expenses 2022: $68,802Net Income 2022: -$3,9312022Revenue 2023: $96,139Expenses 2023: $82,751Net Income 2023: $13,3882023Revenue 2024: $97,236Expenses 2024: $111,547Net Income 2024: -$14,3112024Revenue 2025: $94,372Expenses 2025: $108,240Net Income 2025: -$13,8682025

Highlighted filing

2025

Revenue$94,372
Expenses$108,240
Net Income-$13,868
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$125,600
Liabilities
$490
Net assets
$125,110
Revenue
$94,372
Expenses
$108,240
Net income
-$13,868
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.26$0.00$1.25$0.94$1.08$0.14
2024Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39$0.97$1.12$0.14
2023Detailed filing. Detailed filing data is available for this year.$1.54$0.00$1.53$0.96$0.83$0.13
2022Detailed filing. Detailed filing data is available for this year.$1.40$0.00$1.40$0.65$0.69$0.04
2021Detailed filing. Detailed filing data is available for this year.$1.44$0.00$1.44$0.60$0.55$0.04
2020Summary only. Only limited summary data is available for this year.$1.41$0.02$0.46$0.39$0.07
2019Detailed filing. Detailed filing data is available for this year.$1.33$1.33$0.62$0.45$0.17
2018Summary only. Only limited summary data is available for this year.$1.15$0.00$0.57$0.60$0.03
2017Detailed filing. Detailed filing data is available for this year.$2.11$0.00$2.11$0.55$0.64$0.09
2016Detailed filing. Detailed filing data is available for this year.$2.23$0.02$2.21$0.70$0.69$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.21$0.02$2.19$0.55$0.72$0.17
2014Detailed filing. Detailed filing data is available for this year.$2.41$0.05$2.36$0.65$0.63$0.02
2013Detailed filing. Detailed filing data is available for this year.$2.36$0.02$2.34$0.66$0.69$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.66$0.30$2.37$1.35
2011Summary only. Only limited summary data is available for this year.$0.64$0.00$1.24$1.30$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 12, 2026
Return Version
2025v4.0
Gross Receipts
$94,372
Mission and Program Overview

Mission

Promote fair, accessible housing for all levels of affordability through advocacy, education and support

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$16,085$123,910▲ $107,825
Cash and Non-Interest-Bearing Accounts$123,258--
Accounts Receivable-$500-
Total Assets$139,468$125,600▼ $13,868
Other Assets Total$125$1,190▲ $1,065
Liabilities
Other Liabilities$490$490→ $0
Total Liabilities$490$490→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$124,496$110,628▼ $13,868
Net Assets With Donor Restrictions$14,482$14,482→ $0
Total Net Assets Fund Balance$138,978$125,110▼ $13,868
Total Liabilities and Net Assets / Fund Balance$139,468$125,600▼ $13,868
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Karen FraserExecutive DirectorPT$55,520$55,520

Board Members and Trustees

NameTitle
Silvia Munoz SchnoppPresident Chair
James MasonVice President Chair
Andrea PalmerDirector
Felipe FloresDirector
Ken MelvinDirector
Mary Grosswendt PerdueDirector
Rachel McIverDirector
Rena SepulvedaDirector
Rob LeatherwoodDirector
Ryan OrtizSecretary
Luis A HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$5,254
Program Service Revenue
$86,525
Investment Income
$2,593
Other Revenue
$0
All Other Contributions
$2,554
Change in Net Assets
$-13,868
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$59,767
Other Expenses$48,473
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$55,520-$55,520
Information Technology-$7,168-$7,168
Advertising-$5,484-$5,484
Payroll Taxes-$4,247-$4,247
Insurance-$3,034-$3,034
Fees for Services Accounting-$1,050-$1,050
Fees for Services Other-$1,000-$1,000
Office Expenses-$931-$931
Conferences and Meetings-$756-$756
Other Expenses$23,012$438-$438
Total Functional Expenses$23,012$85,228$0$108,240
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll Tax Payable$490
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

“Directors review before filing”

Governing documents etc available to public Part VI line 19

“Documents available on organization website. Public can contact and request printed or digital copy.”

Filing and Contact Details

Filer

Filer Name
Housing Opportunites Made Easier
EIN
20-4616988
In Care Of
% Karen Fraser
Phone
8053236534
Address
PO Box 191, Camarillo, CA 93011

Signing Officer

Name
Karen Fraser
Title
Executive Director
Phone
8053236534
Signed
2026-02-12
Discuss with paid preparer
Yes

Organization Details

Formed
2008
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
11
Employees
1
Volunteers
11

Preparer

Firm
White & Associates
Address
400 Mobil Ave Suite B14, Camarillo, CA 93010
Preparer
J Gregory White Ii
Phone
8054843436
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt06365
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt02436
IRS990/PYOtherExpensesAmt045132
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IRS990/PYRevenuesLessExpensesAmt0-14311
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IRS990/PYTotalExpensesAmt0111547
IRS990/PYTotalRevenueAmt097236
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Directors review before filing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Documents available on organization website. Public can contact and request printed or digital copy.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Governing documents etc available to public Part VI line 19
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt089118
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt094372
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IRS990/WebsiteAddressTxt0www.vchome.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KAREN FRASER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/PhoneNum08053236534
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Housing Opportunites Made Easier
ReturnHeader/Filer/BusinessNameControlTxt0HOUS
ReturnHeader/Filer/EIN0204616988
ReturnHeader/Filer/InCareOfNm0% Karen Fraser
ReturnHeader/Filer/PhoneNum08053236534
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 191
ReturnHeader/Filer/USAddress/CityNm0Camarillo
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd093011
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0611914819
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0White & Associates
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0400 Mobil Ave Suite B14
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Camarillo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd093010
ReturnHeader/PreparerPersonGrp/PhoneNum08054843436
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0J GREGORY WHITE II
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-04T08:24:13-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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