Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
EIN 36-3770757 • 501(c)3 • Wheaton, IL
Profile
Promote responsible sustainable homeownership, with an emphasis on serving first time homebuyers, low and moderate income households and homeowners in crisis.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
Liabilities / Revenue
82nd percentile
Higher debt load relative to revenue than 82% of similar nonprofits.
Net Margin
16th percentile
Higher net margin than 16% of similar nonprofits.
Top Officer Pay
81st percentile
Higher top officer pay than 81% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
22nd percentile
Faster revenue growth than 22% of similar nonprofits.
Assets
Up$650,561
Up $18,911 (+3.0%) from 2023
Liabilities
Up$62,132
Up $30,051 (+94%) from 2023
Net Assets
Down$588,429
Down $11,140 (-1.9%) from 2023
Revenue
Down$658,260
Down $5,890 (-0.9%) from 2023
Expenses
Up$669,400
Up $45,254 (+7.3%) from 2023
Net Income
Down-$11,140
Down $51,144 (-128%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
Promote responsible sustainable homeownership, with an emphasis on serving first time homebuyers, low and moderate income households and homeowners in crisis.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $192,071 | $351,616 | ▲ $159,545 |
| Cash and Non-Interest-Bearing Accounts | $27,223 | $232,066 | ▲ $204,843 |
| Savings and Temporary Cash Investments | $422,438 | $82,244 | ▼ $340,194 |
| Prepaid Expenses and Deferred Charges | $13,947 | $1,877 | ▼ $12,070 |
| Land, Buildings, and Equipment, Net | $1,770 | $851 | ▼ $919 |
| Other Notes and Loans Receivable, Net | - | $0 | - |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Other Securities | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $631,650 | $650,561 | ▲ $18,911 |
| Other Assets Total | $-25,799 | $-18,093 | ▲ $7,706 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $31,346 | $51,632 | ▲ $20,286 |
| Deferred Revenue | $735 | $10,500 | ▲ $9,765 |
| Total Liabilities | $32,081 | $62,132 | ▲ $30,051 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $599,569 | $588,429 | ▼ $11,140 |
| Total Net Assets Fund Balance | $599,569 | $588,429 | ▼ $11,140 |
| Total Liabilities and Net Assets / Fund Balance | $631,650 | $650,561 | ▲ $18,911 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $851 | $51,736 | $52,587 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Anne O'Dell | President | FT | $78,524 | $78,524 |
| Name | Title |
|---|---|
| Amy Robey | Chairman |
| Frank Binetti | Vice President |
| Annette Fox | Director |
| Bill Ware | Director |
| Bobby Horvath | Director |
| Celina Arteaga | Director |
| Omar Espinosa | Director |
| Ryan Horvath | Director |
| Tina Abbatecola | Director |
| Tina Tzinares | Director |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $449,023 |
| Other Expenses | $220,377 |
| Total Fundraising Expense | $22,731 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $279,425 | $19,152 | $12,768 | $311,345 |
| Current Officers, Directors, Trustees, and Key Employees | $78,524 | $4,711 | $3,141 | $86,376 |
| Fees for Services Accounting | - | $49,476 | - | $49,476 |
| Occupancy | $36,256 | $2,417 | $1,611 | $40,284 |
| Payroll Taxes | $29,067 | $1,938 | $1,292 | $32,297 |
| Fees for Services Legal | - | $28,200 | - | $28,200 |
| Other Employee Benefits | $17,105 | $1,140 | $760 | $19,005 |
| All Other Expenses | $14,479 | $1,094 | $229 | $15,802 |
| Travel | $9,509 | $634 | $423 | $10,566 |
| Insurance | $9,171 | $611 | $408 | $10,190 |
| Other Expenses | $4,057 | $270 | $180 | $4,507 |
| Fees for Services Other | - | $2,600 | - | $2,600 |
| Advertising | $1,183 | $79 | $53 | $1,315 |
| Depreciation Depletion | $828 | $55 | $37 | $920 |
| Total Functional Expenses | $531,547 | $115,122 | $22,731 | $669,400 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $669,400 |
| Total Expenses per Audited Statements | $669,400 |
| Total Expenses per Form 990 | $669,400 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
“Board is provided a copy”
“Discussed at board meetings”
“The finance committee reviews all salaries and compares them to other comparable organizations in the area. The finance committee reviews compensation of all positions each year and makes a budget recommendation for salaries and benefits to the board. The board reviews and approves this recommendation.”
“All availabe from organization office upon request”
“All availabe from organization office upon request”
“The organization is tax exempt under Internal Revenue code Section 501 (c)(3), is classifed as a public charity and has no unrelted business income. Accodringly, no provisions for income tax is reported.The Financial statements effecs of a tax position taken or expected to be taken are recongnized when it is more likely than not, based on techincal merits, that the postions will be sustained upon examination. As of June 30, 2024, the oganization had no uncertain positions that qualify for recognition or disclosure in the Financial statements.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 31346 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 51632 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 192071 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 351616 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Promote responsible sustainable homeownership, with an emphasis on serving first time homebuyers, low and moderate income households and homeowners in crisis. |
| IRS990/AdvertisingGrp/FundraisingAmt | 0 | 53 |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 79 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 1183 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1315 |
| IRS990/AllOtherContributionsAmt | 0 | 232559 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 229 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1094 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 14479 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 15802 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Anne O'Dell |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7085943838 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1600 E Roosevelt Road |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Wheaton |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 60187 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 27223 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 232066 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 3141 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 4711 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 78524 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 86376 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 623354 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 14734 |
| IRS990/CYOtherExpensesAmt | 0 | 220377 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 20172 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -11140 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 449023 |
| IRS990/CYTotalExpensesAmt | 0 | 669400 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 22731 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 658260 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 735 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 10500 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 37 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 55 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 828 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 920 |
| IRS990/Desc | 0 | Homeownership preservation services - free workshops and individual counseling to help homeowners in financial crisis prevent foreclosure, as well as free reverse mortgage counseling to help senior homeowners objectively explore options to increase cash flow and maintain independence. |
| IRS990/DescribedInSection501c3Ind | 0 | true |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 8 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | false |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 419923 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 49476 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 49476 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 28200 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 28200 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 2600 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 2600 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form1098CFiledInd | 0 | false |
| IRS990/Form8282FiledCnt | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | false |
| IRS990/Form8899Filedind | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 20.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 10.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Anne O'Dell |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Amy Robey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Frank Binetti |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Tina Abbatecola |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Celina Arteaga |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Omar Espinosa |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Annette Fox |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Ryan Horvath |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Bobby Horvath |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Bill Ware |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Tina Tzinares |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 78524 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1991 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 14 |
| IRS990/GovernmentGrantsAmt | 0 | 390795 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 658260 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 14 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 408 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 611 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 9171 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 10190 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 14734 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 14734 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 51736 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1770 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 851 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 52587 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Promote responsible sustainable homeownership, with an emphasis on serving first time homebuyers, low and moderate income households and homeowners in crisis. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 599569 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 588429 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 599569 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 588429 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 1611 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 2417 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 36256 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 40284 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | -25799 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | -18093 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 760 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 1140 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 17105 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 19005 |
| IRS990/OtherExpensesGrp/Desc | 0 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/Desc | 1 | Copier Lease and Maintenance |
| IRS990/OtherExpensesGrp/Desc | 2 | Telephone and Internet |
| IRS990/OtherExpensesGrp/Desc | 3 | Supplies |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 1140 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 369 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 320 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 3 | 180 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1710 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 554 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 481 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 270 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 25657 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 19076 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 7210 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 4057 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 28507 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 19999 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 8011 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 4507 |
| IRS990/OtherInd | 0 | X |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 12768 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 19152 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 279425 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 311345 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/OwnWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 1292 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 1938 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 29067 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 32297 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 13947 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1877 |
| IRS990/PrincipalOfficerNm | 0 | Maria Luengas |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Credit Report Fees |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Program Fees |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 15239 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 4933 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 15239 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 4933 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Prepurchase and financial literacy services - free education classes and individual counseling to help first time homebuyers and renters (particularly low income housheolds and other traditionally underserved populations) improve their financial management skills, make informed consumer choices and become responsible homeowners or renters. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 95678 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Community education and outreach - community education, outreach and collaboration on affordable housing issues, including coordination of the affordable housing breakfast group three times each year in cooperation with Wheaton College. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 15946 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 646144 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 7841 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 159047 |
| IRS990/PYOtherRevenueAmt | 0 | 930 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 9235 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 40004 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 465099 |
| IRS990/PYTotalExpensesAmt | 0 | 624146 |
| IRS990/PYTotalRevenueAmt | 0 | 664150 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -11140 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | true |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 422438 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 82244 |
| IRS990ScheduleA/First5Years170Ind | 0 | X |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 612586 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 646144 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 355394 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 644847 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 2258971 |
| IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 4310 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 2789 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 8190 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 15289 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.00000 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 2258971 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 0 |
| IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 612586 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 646144 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 355394 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 644847 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 2258971 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 2274260 |
| IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt | 0 | 0 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 669400 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 851 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 51736 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 52587 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 658260 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | The organization is tax exempt under Internal Revenue code Section 501 (c)(3), is classifed as a public charity and has no unrelted business income. Accodringly, no provisions for income tax is reported.The Financial statements effecs of a tax position taken or expected to be taken are recongnized when it is more likely than not, based on techincal merits, that the postions will be sustained upon examination. As of June 30, 2024, the oganization had no uncertain positions that qualify for recognition or disclosure in the Financial statements. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part X : FIN48 Footnote |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 851 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 669400 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 658260 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 658260 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 669400 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Board is provided a copy |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Discussed at board meetings |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The finance committee reviews all salaries and compares them to other comparable organizations in the area. The finance committee reviews compensation of all positions each year and makes a budget recommendation for salaries and benefits to the board. The board reviews and approves this recommendation. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | All availabe from organization office upon request |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | All availabe from organization office upon request |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section B, Line 12c |
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