Civic Intelligence

Santa Fe Community Housing Trust

EIN 85-0392520 • 501(c)3 • Santa Fe, NM

View Organization Page

Profile

The stated mission of the housing trust is to help affordable and ecologically sound housing for low and moderate income households become a reality in the city and county of santa fe on a long term basis and to help bring about improved economic opportunities for those receiving services. The housing trust provides education in the form of one-on-one counseling and groip classes in the areas of homebuyer training, home maintenance, and personal finances, including foreclosure avoidance. The housing trust also assist homebuyers in the review of their closing documents and attends the home closing with their clients.

Refreshing map…

6005 Jaguar Dr Suite 101Santa Fe, NM 87507

housingtrustonline.org

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.03x

Higher debt load relative to assets than 22% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

4.07x

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

501(c)3 • $25M-$50M nonprofits • Source year 2024

Net Margin

1st percentile

-1172%

Higher net margin than 1% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

30th percentile

$190,833

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 68.2% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Asset Growth

3rd percentile

-26%

Faster asset growth than 3% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

1st percentile

-90%

Faster revenue growth than 1% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Down

$35,680,766

Down $12,670,325 (-26%) from 2023

Liabilities

Down

$1,139,366

Down $10,736,502 (-90%) from 2023

Net Assets

Down

$34,541,400

Down $1,933,823 (-5.3%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin1st percentile

Revenue

Down

$279,879

Down $2,551,586 (-90%) from 2023

Expenses

Up

$3,560,307

Up $492,783 (+16%) from 2023

Net Income

Down

-$3,280,428

Down $3,044,369 (-1290%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth3rd percentile

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

$60M$40M$20M$0Assets 2010: $32,301,895Liabilities 2010: $3,497,726Net Assets 2010: $28,804,1692010Assets 2011: $37,438,909Liabilities 2011: $11,939,060Net Assets 2011: $25,499,8492011Assets 2012: $37,554,773Liabilities 2012: $11,881,939Net Assets 2012: $25,672,8342012Assets 2013: $37,343,542Liabilities 2013: $12,028,274Net Assets 2013: $25,315,2682013Assets 2014: $38,066,058Liabilities 2014: $11,936,562Net Assets 2014: $26,129,4962014Assets 2015: $38,846,279Liabilities 2015: $11,977,681Net Assets 2015: $26,868,5982015Assets 2016: $40,609,322Liabilities 2016: $13,533,208Net Assets 2016: $27,076,1142016Assets 2017: $43,537,694Liabilities 2017: $12,239,076Net Assets 2017: $31,298,6182017Assets 2018: $37,411,531Liabilities 2018: $11,230,998Net Assets 2018: $26,180,5332018Assets 2019: $44,771,665Liabilities 2019: $12,160,615Net Assets 2019: $32,611,0502019Assets 2020: $44,928,023Liabilities 2020: $11,714,022Net Assets 2020: $33,214,0012020Assets 2021: $45,526,696Liabilities 2021: $11,912,629Net Assets 2021: $33,614,0672021Assets 2022: $46,040,100Liabilities 2022: $11,237,817Net Assets 2022: $34,802,2832022Assets 2023: $48,351,091Liabilities 2023: $11,875,868Net Assets 2023: $36,475,2232023Assets 2024: $35,680,766Liabilities 2024: $1,139,366Net Assets 2024: $34,541,4002024

Highlighted filing

2024

Assets$35,680,766
Liabilities$1,139,366
Net Assets$34,541,400
Open 2024 Filing

Operations Trend

Revenue Growth1st percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $937,3482010Expenses 2011: $2,040,4762011Expenses 2012: $2,366,7802012Revenue 2013: $2,601,394Expenses 2013: $3,094,830Net Income 2013: -$493,4362013Revenue 2014: $2,643,802Expenses 2014: $2,068,745Net Income 2014: $575,0572014Revenue 2015: $2,726,046Expenses 2015: $1,986,944Net Income 2015: $739,1022015Revenue 2016: $1,959,158Expenses 2016: $1,873,621Net Income 2016: $85,5372016Revenue 2017: $7,502,440Expenses 2017: $3,279,936Net Income 2017: $4,222,5042017Revenue 2018: $4,042,663Expenses 2018: $4,714,112Net Income 2018: -$671,4492018Revenue 2019: $4,436,912Expenses 2019: $2,875,980Net Income 2019: $1,560,9322019Revenue 2020: $3,771,809Expenses 2020: $3,168,858Net Income 2020: $602,9512020Revenue 2021: $6,534,024Expenses 2021: $6,133,958Net Income 2021: $400,0662021Revenue 2022: $3,615,639Expenses 2022: $2,542,816Net Income 2022: $1,072,8232022Revenue 2023: $2,831,465Expenses 2023: $3,067,524Net Income 2023: -$236,0592023Revenue 2024: $279,879Expenses 2024: $3,560,307Net Income 2024: -$3,280,4282024

Highlighted filing

2024

Revenue$279,879
Expenses$3,560,307
Net Income-$3,280,428
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
$35,680,766
Liabilities
$1,139,366
Net assets
$34,541,400
Revenue
$279,879
Expenses
$3,560,307
Net income
-$3,280,428
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.7$1.14$34.5$0.28$3.56$3.28
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.4$11.9$36.5$2.83$3.07$0.24
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.0$11.2$34.8$3.62$2.54$1.07
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.5$11.9$33.6$6.53$6.13$0.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.9$11.7$33.2$3.77$3.17$0.60
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.8$12.2$32.6$4.44$2.88$1.56
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.4$11.2$26.2$4.04$4.71$0.67
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.5$12.2$31.3$7.50$3.28$4.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.6$13.5$27.1$1.96$1.87$0.09
2015Detailed filing. Detailed filing data is available for this year.$38.8$12.0$26.9$2.73$1.99$0.74
2014Detailed filing. Detailed filing data is available for this year.$38.1$11.9$26.1$2.64$2.07$0.58
2013Detailed filing. Detailed filing data is available for this year.$37.3$12.0$25.3$2.60$3.09$0.49
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.6$11.9$25.7$2.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.4$11.9$25.5$2.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.3$3.50$28.8$0.94
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 28, 2025
Return Version
2024v5.0
Gross Receipts
$5,690,809
Mission and Program Overview

Mission

The stated mission of the housing trust is to help affordable and ecologically sound housing for low and moderate income households become a reality in the city and county of santa fe on a long term basis and to help bring about improved economic opportunities for those receiving services. The housing trust provides education in the form of one-on-one counseling and groip classes in the areas of homebuyer training, home maintenance, and personal finances, including foreclosure avoidance. The housing trust also assist homebuyers in the review of their closing documents and attends the home closing with their clients.

The santa fe community housing trust (sfcht) is a community development organization that helps low-income residents of the santa fe area gain access to capital, economic literacy and affordable housing so that they can improve the quality of their lives and become more economically self- sufficient.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$29,059,047$24,991,417▼ $4,067,630
Land, Buildings, and Equipment, Net$9,661,927$3,568,685▼ $6,093,242
Savings and Temporary Cash Investments$1,468,267$1,511,130▲ $42,863
Cash and Non-Interest-Bearing Accounts$2,920,546$1,409,465▼ $1,511,081
Pledges and Grants Receivable$27,000$262,781▲ $235,781
Investments Other Securities$183,408--
Intangible Assets-$34,327-
Accounts Receivable$270,427$22,259▼ $248,168
Prepaid Expenses and Deferred Charges$29,791$22,164▼ $7,627
Total Assets$48,351,091$35,680,766▼ $12,670,325
Other Assets Total$4,730,678$3,858,538▼ $872,140
Liabilities
Other Liabilities$462,164$481,805▲ $19,641
Mortgage Notes Payable Secured by Investment Property$10,814,053$473,053▼ $10,341,000
Deferred Revenue$293,733--
Accounts Payable and Accrued Expenses$305,918$184,508▼ $121,410
Total Liabilities$11,875,868$1,139,366▼ $10,736,502
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$28,982,804$22,359,728▼ $6,623,076
Net Assets With Donor Restrictions$7,492,419$12,181,672▲ $4,689,253
Total Net Assets Fund Balance$36,475,223$34,541,400▼ $1,933,823
Total Liabilities and Net Assets / Fund Balance$48,351,091$35,680,766▼ $12,670,325

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,788,932$345,160$2,134,092
Land$1,451,614-$354,360
Equipment$328,139$8,414$336,553
Other Land Buildings-$69,161$21,875
Other Assets Org$1,473,800--
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Roman AbeytaCEOFT$174,348$16,485$190,833

Board Members and Trustees

NameTitle
Rose Marie GonzalezPresident
Cynthia SanchezDirector
Dave GuruleDirector
Jim SiebertDirector
John-paul GranilloDirector
Riesha FiorinaDirector
Santiago DeloraDirector
Alba BlondisSecretary
Alan OvertonTreasurer
Estevan TrujilloVice Preside

Highest Paid Contractors

ContractorServicesLocationCompensation
Robets Sons LLCConstruction1000 CORDOVA PLACE 357, Santa Fe, NM 87505$1,785,512
Revenue and Support

Revenue Composition

Contributions and Grants
$1,837,747
Program Service Revenue
$1,156,518
Investment Income
$-2,921,785
Other Revenue
$207,399
All Other Contributions
$5,049
Change in Net Assets
$-3,280,428

Audited Revenue Reconciliation

Revenue per Audited Statements
$279,879
Revenue Not Reported on Form 990
$1,981,574
Total Revenue per Audited Statements
$2,261,453
Total Revenue per Form 990
$279,879
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,026,009
Salaries, Compensation, and Employee Benefits$1,472,120
Grants and Similar Amounts Paid$62,178
Total Fundraising Expense$23,058
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$625,830$404,207$9,624$1,039,661
Depreciation Depletion$293,689$79,249-$372,938
Fees for Services Other$217,355$117,987$2,809$338,151
Current Officers, Directors, Trustees, and Key Employees$115,568$73,515$1,750$190,833
Occupancy$144,256$14,488$216$158,960
All Other Expenses$105,526$50,608$1,206$157,340
Interest$99,531$20,058$478$120,067
Other Employee Benefits$64,919$35,039$834$100,792
Payroll Taxes$60,109$38,775$923$99,807
Other Expenses$70,940$82,200$858$82,200
Insurance$64,314$9,429$225$73,968
Grants to Domestic Individuals$62,178--$62,178
Pension Plan Contributions$26,425$14,262$340$41,027
Conferences and Meetings$19,215$14,158$337$33,710
Office Expenses$22,367$10,584$252$33,203
Travel$17,289$12,740$303$30,332
Advertising$8,505$6,237$149$14,891
Total Functional Expenses$2,200,426$1,336,823$23,058$3,560,307

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,560,307
Total Expenses per Form 990$3,560,307
Total Expenses per Audited Statements$2,736,334
Expenses Not Reported on Form 990$-823,973
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
Due to Grantor$455,014
Lease Liability$26,791
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
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Form 990 is presented to the executive committee of the board of directors for review and approval prior to submission to the irs.”

Form 990, Page 6, Part VI, Line 12C

“The board engages in self monitoring procedures with the requirement that all potential and actual conflicts are to be disclosed in a timely manner. The board annually performs a conflict of interest assessment and provides signed documentation attesting to the absence of conflicts.”

Form 990, Page 6, Part VI, Line 15A

“Compensation review is performed and approved annually by action of the board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Compensation review is performed and approved annually by action of the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Information is made available on the organizations website, on the guidestar website, and upon request.”

Filing and Contact Details

Filer

Filer Name
Santa Fe Community Housing Trust
EIN
85-0392520
Phone
5059893960
Address
6005 JAGUAR DR SUITE 101, SANTA FE, NM 87507

Signing Officer

Name
Roman Abeyta
Title
CEO
Phone
5059893960
Signed
2025-10-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Roman Abeyta
Formed
1992
Legal Domicile
Nm
Voting Board Members
10
Independent Board Members
10
Employees
19

Preparer

Firm
Hinkle Landers Pc
Address
2500 9TH ST NW, ALBUQUERQUE, NM 87102-1055
Preparer
Farley Vener
Phone
5058838788
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The santa fe community housing trust (sfcht) is a community development organization that helps low-income residents of the santa fe area gain access to capital, economic literacy and affordable housing so that they can improve the quality of their lives and become more economically self- sufficient.”

Form 990, Page 2, Part III, Line 4A

“In 2024, the housing trust operated a homebuyer training and counseling program under three contracts with the city of santa fe. Activities included management of city homebuyer programs, completion of income certifications for city housing initiatives, and administration of two city-funded down payment assistance pools. A total of 62 families were assisted in financing and purchasing homes in santa fe and santa fe county. The housing trust sold three apartment complexessolares station, village sage, and stage coach apartmentsto the santa fe civic housing authority. The organization also provided housing services and down payment assistance to individuals with hiv/aids through a multi-year federal grant.”

Financial Statement Notes

Schedule D, Page 3, Part X

“The housing trust files a form 990 tax return with the internal revenue services. The 990 is also filed with the new mexico department of justices online charitable registration. The housing trust is not currently under audit nor has the organization been contacted by any of these jurisdictions. Management believes it is operating within their tax-exempt purpose.”

Schedule D, Page 4, Part XI, Line 2D

“Soleras station 1,024,979 stage coach 683,715 deconsolidation -2,437,995 loss on investment in affiliates -55 loss on sale of affilliates 2,710,930”

Schedule D, Page 4, Part XII, Line 2D

“Soleras station 1,443,271 stage coach 853,183 eliminations -148,726 deconsolidation -2,971,701”

Raw XML AppendixShowing 400 of 637 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0305918
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IRS990/AccountsReceivableGrp/EOYAmt022259
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE SANTA FE COMMUNITY HOUSING TRUST (SFCHT) IS A COMMUNITY DEVELOPMENT ORGANIZATION THAT HELPS LOW-INCOME RESIDENTS OF THE SANTA FE AREA GAIN ACCESS TO CAPITAL, ECONOMIC LITERACY AND AFFORDABLE HOUSING SO THAT THEY CAN IMPROVE THE QUALITY OF THEIR LIVES AND BECOME MORE ECONOMICALLY SELF- SUFFICIENT.
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IRS990/BooksInCareOfDetail/PhoneNum05059893960
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IRS990/BooksInCareOfDetail/USAddress/CityNm0SANTA FE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NM
IRS990/BooksInCareOfDetail/USAddress/ZIPCd087507
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02920546
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IRS990/ChangeToOrgDocumentsInd0false
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0NM
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IRS990/ContractorCompensationGrp/ContractorName/PersonNm0ROBETS SONS LLC
IRS990/ContractorCompensationGrp/ServicesDesc0CONSTRUCTION
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt01837747
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IRS990/Desc0IN 2024, THE HOUSING TRUST OPERATED A HOMEBUYER TRAINING AND COUNSELING PROGRAM UNDER THREE CONTRACTS WITH THE CITY OF SANTA FE. ACTIVITIES INCLUDED MANAGEMENT OF CITY HOMEBUYER PROGRAMS, COMPLETION OF INCOME CERTIFICATIONS FOR CITY HOUSING INITIATIVES, AND ADMINISTRATION OF TWO CITY-FUNDED DOWN PAYMENT ASSISTANCE POOLS. A TOTAL OF 62 FAMILIES WERE ASSISTED IN FINANCING AND PURCHASING HOMES IN SANTA FE AND SANTA FE COUNTY. THE HOUSING TRUST SOLD THREE APARTMENT COMPLEXESSOLARES STATION, VILLAGE SAGE, AND STAGE COACH APARTMENTSTO THE SANTA FE CIVIC HOUSING AUTHORITY. THE ORGANIZATION ALSO PROVIDED HOUSING SERVICES AND DOWN PAYMENT ASSISTANCE TO INDIVIDUALS WITH HIV/AIDS THROUGH A MULTI-YEAR FEDERAL GRANT.
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IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt019
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
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IRS990/FederalGrantAuditPerformedInd0true
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