Civic Intelligence

Veterans Affordable Homeownership Program (Vahop)

EIN 81-2967340 • 501(c)3 • Concord, CA

Profile

Vahop's primary mission is to help veterans close the wealth gap through home ownership and provide funds to other veteran service organizations.

1451 Toyon DriveConcord, CA 94520-0000

vahop.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

9th percentile

-102%

Higher net margin than 9% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

84th percentile

37%

Faster asset growth than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Revenue Growth

11th percentile

-69%

Faster revenue growth than 11% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$357,644

Up $167,253 (+88%) from 2022

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$357,644

Up $167,253 (+88%) from 2022

Operations
Liabilities / RevenueScore unavailableNet Margin9th percentile

Revenue

Down

$4,842

Down $46,981 (-91%) from 2022

Expenses

Down

$9,778

Down $29,977 (-75%) from 2022

Net Income

Down

-$4,936

Down $17,004 (-141%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$600K$400K$200K$0Assets 2020: $274,265Liabilities 2020: $0Net Assets 2020: $274,2652020Assets 2021: $482,054Liabilities 2021: $0Net Assets 2021: $482,0542021Assets 2022: $190,391Liabilities 2022: $0Net Assets 2022: $190,3912022Assets 2024: $357,644Net Assets 2024: $357,6442024

Highlighted filing

2024

Assets$357,644
Liabilities-
Net Assets$357,644
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$300K$200K$100K$0-$100KRevenue 2020: $166,020Expenses 2020: $69,575Net Income 2020: $96,4452020Revenue 2021: $271,217Expenses 2021: $63,428Net Income 2021: $207,7892021Revenue 2022: $51,823Expenses 2022: $39,755Net Income 2022: $12,0682022Revenue 2024: $4,842Expenses 2024: $9,778Net Income 2024: -$4,9362024

Highlighted filing

2024

Revenue$4,842
Expenses$9,778
Net Income-$4,936
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$357,644
Liabilities
-
Net assets
$357,644
Revenue
$4,842
Expenses
$9,778
Net income
-$4,936
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.58$3.58$0.05$0.10$0.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.90$0.00$1.90$0.52$0.40$0.12
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.82$0.00$4.82$2.71$0.63$2.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.74$0.00$2.74$1.66$0.70$0.96
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 8, 2025
Return Version
2024v5.1
Gross Receipts
$4,842
Mission and Program Overview

Mission

Vahop's primary mission is to help veterans close the wealth gap through home ownership and provide funds to other veteran service organizations.

Veterans Affordable HomeOwnership Program Primary mission is to help Veterans close the wealth pag through home ownership and provide funds to other Veteran Service Organizations VSOs

Program Services

DescriptionGrantsExpenses
Donations to support local Veteran Services Organizations$0$3,128
Provide Various Services Information and resources to help Veterans Gold and Blue Star Families the opportunity for Home Ownership$0$1,504
Provide No Cost Line of Credit LOC to Veterans to improve existing home in preparation For Sale$0$0
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jane EtheringtonPresidentPT$0--
Joe SerranoVice President-$0--
Jim EtheringtonSecretary TreasuryPT$0--
Sean PoynerBoard Member-$0--
Bill RidelBoard Member-$0--
JR WilsonBoard Member-$0--
Ed SzkayAdv Board Member-$0--
Scott CassellAdv Board Member-$0--
Nathan JohnsonAdv Board Member-$0--
Filing and Contact Details

Filer

Filer Name
Veterans Affordable Homeownership Program
EIN
81-2967340
Address
1451 TOYON DRIVE, CONCORD, CA 94520-0000

Signing Officer

Name
Jane Etherington
Title
President
Phone
9256870714
Signed
2025-11-08
Supplemental Narrative

Additional Explanations

Part I, line 10

“| Grants And Similar Amounts Paid:, Amount:| See part 3 line 28 and 29, $4632|”

Part I, line 16

“| Other Expenses:, Amount:| Travel $239 Attorney General 2023 $25, $264|”

Part I, line 20

“| Explanation:, Amount:| Stock change in value, $-59531|”

Part II, line 24

“| Explanation:, BOYAmount:, EOYAmount:| Other assets, $194381, $189444|”

Raw XML Appendix205 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
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Jane Etherington
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Joe Serrano
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Jim Etherington
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Sean Poyner
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Bill Ridel
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5JR Wilson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Ed Szkay
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Scott Cassell
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8Nathan Johnson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary Treasury
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Adv Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Adv Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Adv Board Member
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0194381
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0189444
IRS990EZ/OtherChangesInNetAssetsAmt0-59531
IRS990EZ/OtherExpensesTotalAmt0264
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Veterans Affordable HomeOwnership Program Primary mission is to help Veterans close the wealth pag through home ownership and provide funds to other Veteran Service Organizations VSOs
IRS990EZ/PrintingPublicationsPostageAmt021
IRS990EZ/ProgramServiceRevenueAmt01263
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Donations to support local Veteran Services Organizations
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Provide No Cost Line of Credit LOC to Veterans to improve existing home in preparation For Sale
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2Provide Various Services Information and resources to help Veterans Gold and Blue Star Families the opportunity for Home Ownership
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt03128
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt21504
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt09778
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IRS990EZ/TotalRevenueAmt04842
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0VAHOP.ORG
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0| Year:, Amount:, Description:| 2020, 67756, | 2021, 10224| 2023, 25909|
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0436
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IRS990ScheduleA/PublicOrganization170Ind0X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0| Grants And Similar Amounts Paid:, Amount:| See part 3 line 28 and 29, $4632|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1| Other Expenses:, Amount:| Travel $239 Attorney General 2023 $25, $264|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2| Explanation:, Amount:| Stock change in value, $-59531|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3| Explanation:, BOYAmount:, EOYAmount:| Other assets, $194381, $189444|
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part I, line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part II, line 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Jane Etherington
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09256870714
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VETERANS AFFORDABLE HOMEOWNERSHIP PROGRAM
ReturnHeader/Filer/BusinessNameControlTxt0VETE
ReturnHeader/Filer/EIN0812967340
ReturnHeader/Filer/ForeignPhoneNum09256870714
ReturnHeader/Filer/USAddress/AddressLine1Txt01451 TOYON DRIVE
ReturnHeader/Filer/USAddress/CityNm0CONCORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd0945200000
ReturnHeader/ReturnTs02025-11-07T11:54:57-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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