Civic Intelligence

Homeownership Oc

EIN 82-3335347 • 501(c)3 • Laguna Hills, CA

Profile

Housing Counseling and Education

23771 FormelloLaguna Hills, CA 92653
Siviq Scores

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

Liabilities / Assets

37th percentile

0.00x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

39th percentile

0.00x

Higher debt load relative to revenue than 39% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

81st percentile

31%

Higher net margin than 81% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

93rd percentile

$94,060

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 23.6% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

81st percentile

28%

Faster asset growth than 81% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2022 to 2024

Revenue Growth

32nd percentile

-3.4%

Faster revenue growth than 32% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$840,824

Up $329,683 (+64%) from 2022

Liabilities

Up

$1,181

Up $1,181 from 2022

Net Assets

Up

$839,643

Up $328,502 (+64%) from 2022

Operations
Liabilities / Revenue39th percentileNet Margin81st percentile

Revenue

Down

$398,009

Down $28,887 (-6.8%) from 2022

Expenses

Up

$274,669

Up $132,312 (+93%) from 2022

Net Income

Down

$123,340

Down $161,199 (-57%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

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

$1.0M$500K$0Assets 2021: $226,602Liabilities 2021: $0Net Assets 2021: $226,6022021Assets 2022: $511,141Liabilities 2022: $0Net Assets 2022: $511,1412022Assets 2024: $840,824Liabilities 2024: $1,181Net Assets 2024: $839,6432024

Highlighted filing

2024

Assets$840,824
Liabilities$1,181
Net Assets$839,643
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$600K$400K$200K$0Revenue 2021: $256,679Expenses 2021: $87,349Net Income 2021: $169,3302021Revenue 2022: $426,896Expenses 2022: $142,357Net Income 2022: $284,5392022Revenue 2024: $398,009Expenses 2024: $274,669Net Income 2024: $123,3402024

Highlighted filing

2024

Revenue$398,009
Expenses$274,669
Net Income$123,340
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
$840,824
Liabilities
$1,181
Net assets
$839,643
Revenue
$398,009
Expenses
$274,669
Net income
$123,340
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.41$0.01$8.40$3.98$2.75$1.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.11$0.00$5.11$4.27$1.42$2.85
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.27$0.00$2.27$2.57$0.87$1.69
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.2
Gross Receipts
$398,009
Mission and Program Overview

Mission

Housing Counseling and Education

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$467,765$440,756▼ $27,009
Savings and Temporary Cash Investments$250,030$400,068▲ $150,038
Total Assets$717,795$840,824▲ $123,029
Liabilities
Other Liabilities$1,491$1,181▼ $310
Total Liabilities$1,491$1,181▼ $310
Net Assets / Fund Balance
Net Assets With Donor Restrictions$716,304$839,643▲ $123,339
Total Net Assets Fund Balance$716,304$839,643▲ $123,339
Total Liabilities and Net Assets / Fund Balance$717,795$840,824▲ $123,029
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleBaseTotal
Constance Der TorossianExecutive Director$94,060$94,060

Board Members and Trustees

NameTitle
Mary Jane CambriaPresident
Alex DiazVice President
Anna GonzalezBoard Member
Jee LeeBoard Member
Ricardo GaribaySecretary
Carlos EscobarTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$391,514
Program Service Revenue
$6,457
Investment Income
$38
Other Revenue
$0
All Other Contributions
$64,000
Change in Net Assets
$123,340
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$200,847
Other Expenses$73,822
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$170,520$14,109-$184,629
Advertising$28,595--$28,595
Information Technology$10,236$9,704-$19,940
Payroll Taxes$13,736$1,137-$14,873
Occupancy-$11,820-$11,820
Fees for Services Accounting-$3,313-$3,313
Fees for Services Other$2,528--$2,528
Office Expenses-$1,781-$1,781
Insurance-$1,638-$1,638
Other Employee Benefits$1,242$103-$1,345
Conferences and Meetings-$724-$724
Travel-$400-$400
Other Expenses$2,823$65-$65
Total Functional Expenses$229,680$44,989$0$274,669
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card Payable$1,181
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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

“A copy of Form 990 was circulated to the Board, with request to approve or comment before the filing date.”

Conflict of interest policy compliance Part VI line 12C

“No Board member has a conflict of interest with transactions of the organization.”

CEO executive director top management comp Part VI line 15A

“The compensation of the Executive Director is determined by the Board.”

Governing documents etc available to public Part VI line 19

“The governing documents of the organization will be made available to a member of the general public only upon request and at their expense.”

Filing and Contact Details

Filer

Filer Name
HomeOwnership OC
EIN
82-3335347
In Care Of
% Mary Jane Cambria
Phone
7142042314
Address
23771 Formello, Laguna Hills, CA 92653

Signing Officer

Name
Mary Jane Cambria
Title
President
Phone
7147497777
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Formed
2017
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
4

Preparer

Firm
David P Lavezzari Inc
Address
12881 Knott Street Suite 112, Garden Grove, CA 92841
Preparer
David P Lavezzari
Phone
7148955925
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Rounding $1”

Part XI response or note to any line in Part XI

“Part XI Other Adjustment Rounding -1”

General explanation attachment

“Homeownership OCs main goal is assisting potential home buyers with the complete process of buying a home from start to finish. We offer Home Buyer Orientation, Boost Your Credit, Budgeting, Savings and Down Payment Assistance, Home Buyer Educational Workshops and one on one coaching to ensure success. We provide a one stop resource to help prepare first time homeowners for the home buying process. Homeownership OC provides an overview of the home buying process; what is needed to purchase a home; an overview of down-payment assistance programs; how to shop for a lender and realtor; and an overview of homeownership educational resources. We also assist clients who need rental, financial, or foreclosure prevention coaching to help ensure housing is achievable and sustainable.”

Raw XML Appendix368 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Homeownership OCs main goal is assisting potential home buyers with the complete process of buying a home from start to finish. We offer Home Buyer Orientation, Boost Your Credit, Budgeting, Savings and Down Payment Assistance, Home Buyer Educational Workshops and one on one coaching to ensure success. We provide a one stop resource to help prepare first time homeowners for the home buying process. Homeownership OC provides an overview of the home buying process; what is needed to purchase a home; an overview of down-payment assistance programs; how to shop for a lender and realtor; and an overview of homeownership educational resources. We also assist clients who need rental, financial, or foreclosure prevention coaching to help ensure housing is achievable and sustainable.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Explanation of other changes in net assets or fund balances Part XI line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part XI response or note to any line in Part XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6General explanation attachment
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0MARY JANE CAMBRIA
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0David P Lavezzari Inc
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ReturnHeader/ReturnTs02025-11-15T15:29:25-05:00
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