Civic Intelligence

Northern Homes Community Development Corporation

EIN 38-3395829 • 501(c)3 • Boyne City, MI

Profile

Create housing for low income individuals in six county area.

PO Box 86 1048 E Main StreetBoyne City, MI 49712

www.northernhomes.org

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.57x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

3.23x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

60th percentile

9.6%

Higher net margin than 60% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

44th percentile

2.8%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

6th percentile

-42%

Faster revenue growth than 6% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$5,485,121

Up $151,575 (+2.8%) from 2023

Liabilities

Up

$3,112,862

Up $59,593 (+2.0%) from 2023

Net Assets

Up

$2,372,259

Up $91,982 (+4.0%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin60th percentile

Revenue

Down

$963,046

Down $684,346 (-42%) from 2023

Expenses

Down

$871,064

Down $748,611 (-46%) from 2023

Net Income

Up

$91,982

Up $64,265 (+232%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $1,625,426Liabilities 2010: $982,055Net Assets 2010: $643,3712010Assets 2011: $1,442,713Liabilities 2011: $948,118Net Assets 2011: $494,5952011Assets 2012: $1,532,158Liabilities 2012: $978,385Net Assets 2012: $553,7732012Assets 2013: $1,378,588Liabilities 2013: $936,870Net Assets 2013: $441,7182013Assets 2014: $1,607,571Liabilities 2014: $1,093,893Net Assets 2014: $513,6782014Assets 2015: $1,952,797Liabilities 2015: $1,103,393Net Assets 2015: $849,4042015Assets 2016: $2,152,822Liabilities 2016: $1,074,326Net Assets 2016: $1,078,4962016Assets 2017: $2,305,329Liabilities 2017: $1,011,409Net Assets 2017: $1,293,9202017Assets 2018: $2,365,042Liabilities 2018: $1,204,701Net Assets 2018: $1,160,3412018Assets 2019: $3,109,113Liabilities 2019: $1,490,648Net Assets 2019: $1,618,4652019Assets 2020: $3,044,401Liabilities 2020: $1,614,465Net Assets 2020: $1,429,9362020Assets 2021: $4,359,546Liabilities 2021: $2,275,040Net Assets 2021: $2,084,5062021Assets 2022: $5,128,943Liabilities 2022: $2,876,383Net Assets 2022: $2,252,5602022Assets 2023: $5,333,546Liabilities 2023: $3,053,269Net Assets 2023: $2,280,2772023Assets 2024: $5,485,121Liabilities 2024: $3,112,862Net Assets 2024: $2,372,2592024

Highlighted filing

2024

Assets$5,485,121
Liabilities$3,112,862
Net Assets$2,372,259
Open 2024 Filing

Operations Trend

Revenue Growth6th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $319,7492010Expenses 2011: $603,7442011Expenses 2012: $540,5762012Revenue 2013: $446,912Expenses 2013: $512,404Net Income 2013: -$65,4922013Revenue 2014: $657,212Expenses 2014: $585,252Net Income 2014: $71,9602014Revenue 2015: $904,459Expenses 2015: $548,733Net Income 2015: $355,7262015Revenue 2016: $969,143Expenses 2016: $777,087Net Income 2016: $192,0562016Revenue 2017: $483,023Expenses 2017: $614,023Net Income 2017: -$131,0002017Revenue 2018: $550,701Expenses 2018: $507,765Net Income 2018: $42,9362018Revenue 2019: $940,858Expenses 2019: $602,073Net Income 2019: $338,7852019Revenue 2020: $905,904Expenses 2020: $633,739Net Income 2020: $272,1652020Revenue 2021: $1,524,344Expenses 2021: $651,089Net Income 2021: $873,2552021Revenue 2022: $1,069,277Expenses 2022: $930,755Net Income 2022: $138,5222022Revenue 2023: $1,647,392Expenses 2023: $1,619,675Net Income 2023: $27,7172023Revenue 2024: $963,046Expenses 2024: $871,064Net Income 2024: $91,9822024

Highlighted filing

2024

Revenue$963,046
Expenses$871,064
Net Income$91,982
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$5,485,121
Liabilities
$3,112,862
Net assets
$2,372,259
Revenue
$963,046
Expenses
$871,064
Net income
$91,982
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.49$3.11$2.37$0.96$0.87$0.09
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.33$3.05$2.28$1.65$1.62$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.13$2.88$2.25$1.07$0.93$0.14
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.36$2.28$2.08$1.52$0.65$0.87
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.04$1.61$1.43$0.91$0.63$0.27
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.11$1.49$1.62$0.94$0.60$0.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.37$1.20$1.16$0.55$0.51$0.04
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.31$1.01$1.29$0.48$0.61$0.13
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.15$1.07$1.08$0.97$0.78$0.19
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.95$1.10$0.85$0.90$0.55$0.36
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.61$1.09$0.51$0.66$0.59$0.07
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.38$0.94$0.44$0.45$0.51$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.53$0.98$0.55$0.54
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.44$0.95$0.49$0.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.63$0.98$0.64$0.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$1,038,594
Mission and Program Overview

Mission

Create housing for low income individuals in six county area.

To create and preserve quality affordable housing options for northern michigan residents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$4,588,409$4,891,567▲ $303,158
Cash and Non-Interest-Bearing Accounts$395,771$171,972▼ $223,799
Accounts Receivable$103,234$110,965▲ $7,731
Prepaid Expenses and Deferred Charges$5,522$24,787▲ $19,265
Pledges and Grants Receivable$9,106$5,920▼ $3,186
Other Notes and Loans Receivable, Net$4,910--
Total Assets$5,333,546$5,485,121▲ $151,575
Other Assets Total$226,594$279,910▲ $53,316
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,636,197$2,623,088▼ $13,109
Other Liabilities$323,125$396,922▲ $73,797
Accounts Payable and Accrued Expenses$90,848$90,442▼ $406
Deferred Revenue$3,099$2,410▼ $689
Total Liabilities$3,053,269$3,112,862▲ $59,593
Net Assets / Fund Balance
Net Assets With Donor Restrictions$1,915,485$1,915,485→ $0
Net Assets Without Donor Restrictions$364,792$456,774▲ $91,982
Total Net Assets Fund Balance$2,280,277$2,372,259▲ $91,982
Total Liabilities and Net Assets / Fund Balance$5,333,546$5,485,121▲ $151,575

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,005,681$596,292$3,601,973
Leasehold Improvements$1,353,013$94,844$1,447,857
Land$469,714-$469,714
Equipment$63,159$63,043$126,202
Other Assets Org$4,910--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jane MackenzieExecutive DirectorFT$86,171$27,000$113,171

Board Members and Trustees

NameTitle
David WhitePresident
Mel MatchettVice President
Dennis KeiserDirector
Sean BaronDirector
Sue ClearyDirector
Tom JohnsonDirector
Shannon FenderSecretary
Bill LorneTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$276,530
Program Service Revenue
$688,877
Investment Income
$-5,491
Other Revenue
$3,130
All Other Contributions
$276,530
Change in Net Assets
$91,982
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$482,036
Salaries, Compensation, and Employee Benefits$389,028
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$190,900$16,945-$207,845
Occupancy$115,332$28,494-$143,826
Current Officers, Directors, Trustees, and Key Employees$86,326$26,845-$113,171
Depreciation Depletion$94,590--$94,590
Fees for Services Other$33,139$19,893-$53,032
Fees for Services Accounting$27,991$16,802-$44,793
Interest$32,427$8,957-$41,384
Insurance$22,222$15,019-$37,241
Payroll Taxes$9,469$26,139-$35,608
Fees for Services Management$21,420$12,858-$34,278
Other Employee Benefits$4,921$13,586-$18,507
Pension Plan Contributions$3,695$10,202-$13,897
Travel$3,521$8,441-$11,962
Office Expenses$3,222$5,296-$8,518
Fees for Services Legal$4,054$2,433-$6,487
Conferences and Meetings$1,391$1,414-$2,805
Other Expenses$287$287-$574
Total Functional Expenses$655,311$215,753$0$871,064
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
Line of Credit$339,000
Deferred Interest Payable$30,268
Deposits and Prepaid Liabilities$27,654
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“There is a management agreement with kmg prestige, inc. To manage the cobble creek i apartments as an agent of northern homes cdc.”

Form 990, Part VI, Section B, Line 11B

“The finance committee will review the form 990 before the tax return is filed.”

Form 990, Part VI, Section B, Line 12C

“Each board member reviews the conflict of interest policy annually and signs an agreement to disclose any conflicts.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top official: annual performance review is performed for the executive director and any salary increases are voted on and authorized by the board of directors. Compensation process for officers: performance reviews are performed annually by the executive director and any salary increases are voted upon by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Northern homes makes its documents available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Northern Homes Community Development
EIN
38-3395829
Phone
2315826244
Address
PO BOX 86 1048 E MAIN STREET, BOYNE CITY, MI 49712
Doing Business As
Northern Homes Cdc

Signing Officer

Name
Jane Mackenzie
Title
Executive Director
Phone
2315826244
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jane Mackenzie
Formed
1998
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
4
Volunteers
12

Preparer

Firm
Maner Costerisan Pc
Address
2425 E GRAND RIVER SUITE 1, LANSING, MI 48912-3291
Preparer
Amber Rathbun CPA
Phone
5173237500
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“In the preparation of tax returns, tax positions are taken based on interpretation of federal, state, and local income tax laws. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts, including interest and penalties, ultimately due or owed. No amounts have been identified, or recorded, as uncertain tax positions. Federal, state, and local tax returns generally remain open for examination by various taxing authorities for a period of three to four years.”

Raw XML AppendixShowing 400 of 581 raw XML fields

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/AccountantCompileOrReviewInd00
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO CREATE AND PRESERVE QUALITY AFFORDABLE HOUSING OPTIONS FOR NORTHERN MICHIGAN RESIDENTS.
IRS990/AllOtherContributionsAmt0276530
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IRS990/BooksInCareOfDetail/USAddress/CityNm0BOYNE CITY
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
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IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0276530
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IRS990/CYInvestmentIncomeAmt0-5491
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IRS990/DepreciationDepletionGrp/TotalAmt094590
IRS990/Desc0THE ORGANIZATION MANAGES MULTI AND SINGLE FAMILY AFFORDABLE HOUSING PROJECTS. NORTHERN HOMES CONTINUES TO MANAGE 172 APARTMENTS, AND A COMMUNITY LAND TRUST PROGRAM IN NORTHERN MICHIGAN.
IRS990/DescribedInSection501c3Ind01
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8EXECUTIVE DIRECTOR
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IRS990/GrantsToOrganizationsInd00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt015019
IRS990/InsuranceGrp/ProgramServicesAmt022222
IRS990/InsuranceGrp/TotalAmt037241
IRS990/InterestGrp/ManagementAndGeneralAmt08957
IRS990/InterestGrp/ProgramServicesAmt032427
IRS990/InterestGrp/TotalAmt041384
IRS990/InvestmentIncomeGrp/ExclusionAmt02821
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02821
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt012
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0754179
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04588409
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04891567
IRS990/LandBldgEquipCostOrOtherBssAmt05645746
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt075548
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO CREATE AND PRESERVE QUALITY AFFORDABLE HOUSING OPTIONS FOR NORTHERN MICHIGAN RESIDENTS THROUGH EDUCATION, DEVELOPMENT, AND PARTNERING WITH LOCAL COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02636197
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02623088
IRS990/NetAssetsOrFundBalancesBOYAmt02280277
IRS990/NetAssetsOrFundBalancesEOYAmt02372259
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-8312
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-8312
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0364792
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0456774
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt028494
IRS990/OccupancyGrp/ProgramServicesAmt0115332
IRS990/OccupancyGrp/TotalAmt0143826
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt05296
IRS990/OfficeExpensesGrp/ProgramServicesAmt03222
IRS990/OfficeExpensesGrp/TotalAmt08518
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0226594
IRS990/OtherAssetsTotalGrp/EOYAmt0279910
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt013586
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt04921
IRS990/OtherEmployeeBenefitsGrp/TotalAmt018507
IRS990/OtherExpensesGrp/Desc0DUES & SUBSCRIPTIONS, B
IRS990/OtherExpensesGrp/Desc1BAD DEBT
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02142
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1287
IRS990/OtherExpensesGrp/ProgramServicesAmt0404
IRS990/OtherExpensesGrp/ProgramServicesAmt1287
IRS990/OtherExpensesGrp/TotalAmt02546
IRS990/OtherExpensesGrp/TotalAmt1574
IRS990/OtherLiabilitiesGrp/BOYAmt0323125
IRS990/OtherLiabilitiesGrp/EOYAmt0396922
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03130
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03130
IRS990/OtherRevenueTotalAmt03130
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt016945
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0190900
IRS990/OtherSalariesAndWagesGrp/TotalAmt0207845
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04910
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt026139
IRS990/PayrollTaxesGrp/ProgramServicesAmt09469
IRS990/PayrollTaxesGrp/TotalAmt035608
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt010202
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt03695
IRS990/PensionPlanContributionsGrp/TotalAmt013897
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt09106
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt05920
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05522
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt024787
IRS990/PrincipalOfficerNm0JANE MACKENZIE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0531110
IRS990/ProgramServiceRevenueGrp/BusinessCd1561700
IRS990/ProgramServiceRevenueGrp/BusinessCd2230000
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0RENTAL REVENUE
IRS990/ProgramServiceRevenueGrp/Desc1SITE MANAGEMENT FEES
IRS990/ProgramServiceRevenueGrp/Desc2CONSTRUCTION INCOME/OTHER
IRS990/ProgramServiceRevenueGrp/Desc3GROUND LEASE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0394516
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1209832
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt279099
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt35430
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0394516
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1209832
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt279099
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35430
IRS990/ProgSrvcAccomActy2Grp/Desc0SINGLE-FAMILY HOUSING: IN 2024, NORTHERN HOMES COMPLETED THE REHABILITATION AND SALE OF ONE AFFORDABLE HOME IN GAYLORD. THE ORGANIZATION ALSO PURCHASED A HOME IN ALBA FOR REHABILITATION AND ACQUIRED A VACANT LOT IN HARBOR SPRINGS WHERE A NEW AFFORDABLE HOME WILL BE CONSTRUCTED. MULTI-FAMILY HOUSING: NORTHERN HOMES BEGAN REHABILITATION OF 48 BRIDGE STREET, A DUPLEX IN PETOSKEY, AND INITIATED CONSTRUCTION OF THE LOFTS AT LUMBER SQUARE, A 60-UNIT AFFORDABLE HOUSING COMMUNITY IN DOWNTOWN PETOSKEY. IN ADDITION, THE ORGANIZATION SECURED GRANT FUNDING FOR PINEBRIDGE PLACE, A NEW 6-UNIT APARTMENT DEVELOPMENT IN CHARLEVOIX. THESE EFFORTS ADVANCE THE ORGANIZATION'S MISSION TO CREATE AND PRESERVE AFFORDABLE HOUSING OPPORTUNITIES ACROSS NORTHERN MICHIGAN THROUGH BOTH NEW CONSTRUCTION AND REHABILITATION OF EXISTING HOUSING STOCK.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0231626
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0417745
IRS990/ProgSrvcAccomActy3Grp/Desc0THE ORGANIZATION PROVIDES HOMEBUYER EDUCATION AND FINANCIAL COUNSELLING. NORTHERN HOMES PROVIDED EDUCATION AND COUNSELING SERVICES TO OVER 60 HOUSEHOLDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt041285
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt064430
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0319656
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-27941
IRS990/PYOtherExpensesAmt01098397
IRS990/PYOtherRevenueAmt0605
IRS990/PYProgramServiceRevenueAmt01355072
IRS990/PYRevenuesLessExpensesAmt027717
IRS990/PYSalariesCompEmpBnftPaidAmt0521278
IRS990/PYTotalExpensesAmt01619675
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01647392
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt091982
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0209832
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER INCOME - 2020 AMOUNT: $ 451,444. 2022 AMOUNT: $ 602,811. 2023 AMOUNT: $ 605. 2024 AMOUNT: $ 3,130.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0276530
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0319656
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0420358
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0897377
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0443971
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02357892
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt02821
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt01827
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0321761
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0264283
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0282627
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0873319
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt02043949
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt03130
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt0605
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0602811
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt0451444
IRS990ScheduleA/OtherIncome170Grp/TotalAmt01057990
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.54870
IRS990ScheduleA/PublicSupportPY170Pct00.54600
IRS990ScheduleA/PublicSupportTotal170Amt02353676
IRS990ScheduleA/SubstantialContributorsTotAmt04216
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0276530
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0319656
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0420358
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0897377
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0443971
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02357892
IRS990ScheduleA/TotalSupportAmt04289201
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt03005681
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0596292
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03601973
IRS990ScheduleD/EquipmentGrp/BookValueAmt063159
IRS990ScheduleD/EquipmentGrp/DepreciationAmt063043
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0126202
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0469714
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0469714
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01353013
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt094844
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01447857
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt027564
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1400
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2221135
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt325901
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt44910
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0TENANT SECURITY DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OPERATING RESERVE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2RESERVE FOR REPLACEMENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3RESERVE FOR TAXES AND INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4DUE FROM MM NP HOUSING CORP
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030268
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1339000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt227654
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEFERRED INTEREST PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LINE OF CREDIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2DEPOSITS AND PREPAID LIABILITIES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN THE PREPARATION OF TAX RETURNS, TAX POSITIONS ARE TAKEN BASED ON INTERPRETATION OF FEDERAL, STATE, AND LOCAL INCOME TAX LAWS. MANAGEMENT PERIODICALLY REVIEWS AND EVALUATES THE STATUS OF UNCERTAIN TAX POSITIONS AND MAKES ESTIMATES OF AMOUNTS, INCLUDING INTEREST AND PENALTIES, ULTIMATELY DUE OR OWED. NO AMOUNTS HAVE BEEN IDENTIFIED, OR RECORDED, AS UNCERTAIN TAX POSITIONS. FEDERAL, STATE, AND LOCAL TAX RETURNS GENERALLY REMAIN OPEN FOR EXAMINATION BY VARIOUS TAXING AUTHORITIES FOR A PERIOD OF THREE TO FOUR YEARS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04891567
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0279910
IRS990ScheduleD/TotalLiabilityAmt0396922
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THERE IS A MANAGEMENT AGREEMENT WITH KMG PRESTIGE, INC. TO MANAGE THE COBBLE CREEK I APARTMENTS AS AN AGENT OF NORTHERN HOMES CDC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FINANCE COMMITTEE WILL REVIEW THE FORM 990 BEFORE THE TAX RETURN IS FILED.

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