The mission of Housing Consultants Group is to support individuals and families to enhance financial wellness through education, counseling, financial relationships, and sustainable homeownership.

501(c)(3) charity; gifts are tax-deductible.
81¢ of each $1 spent went to programs.
Run by 5 volunteers and 8 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 6
filings with a surplus
Average deficit $5K a year · under 1% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
81%
of spending
Looks good: 81% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$11K
to officers and key staff · 2% of spending
Looks good: pay to officers and key staff is 2% of spending; 15% or less.
Pt VII · Sec A
4 mo
of spending, in cash
Looks good: 4.4 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
4
named funders · $157K
Looks good: 4 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$232K
57% of total assets
Fine: liabilities are 57% of assets; 50% to 65%.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$601K
+17% vs prior year
Spent
$684K
To programs
81%
Net assets
$178K
By yearFY2020–FY2025
Revenue
$601K
FY2025▲ +17%
Tap a bar for its year
Revenue by fiscal year
FY2020$558K
FY2021$2.7M
FY2022$1.8M
FY2023$1.1M
FY2024$512K
FY2025$601K
Expenses
$684K
FY2025▲ +0.9%
Tap a bar for its year
Expenses by fiscal year
FY2020$529K
FY2021$2.6M
FY2022$1.8M
FY2023$961K
FY2024$678K
FY2025$684K
Net assets
$178K
FY2025▼ -24%
Tap a bar for its year
Net assets by fiscal year
FY2020$33K
FY2021$103K
FY2022$283K
FY2023$401K
FY2024$235K
FY2025$178K

From the FY2025 Form 990 · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Aug 2005.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

81 cents of each dollar spent went to programs.

Program services 81% · $552K Management & general 19% · $131K Fundraising 0% · $718

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

6 people listed on the 990; $11K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$11,478Pt VII · Sec A
Chairperson
$0Pt VII · Sec A
Secretary
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A

Sofia Crisp’s $11K as Executive Director is at the 5th percentile of top reported officer pay among 2167 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Sofia Crisp$11,478$103,264$101,769$103,884$80,541$78,100

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Housing Consultants Group executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Helps families buy homes, stay in them, and improve financial literacy.

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Provided by the organization

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1 program · $552K · in their own filed words · FY2025
01

Provide pre- and post-purchase homeownership counseling and foreclosure prevention services to low-to-moderate income individuals and families, and perform financial literacy education and outreach and community engagement to families struggling to stay in their home.

$552Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2024
See all 4 funders →
Grants paid · 3 grants · $3.5M · 2021–2023
Unitemized GrantFY2023$274,024
Unitemized GrantFY2022$1,136,430
Unitemized GrantFY2021$2,104,865

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$601K
Ln 12
Gifts and grantsLn 1h$486K
Fees for servicesLn 2g$51K
Investment incomeLn 3$34K
Money outPt IX
$684K
Ln 25
Programscol B$552K
Managementcol C$131K
Fundraisingcol D$718
Owns and owesPt X
$178K
net assets · Ln 32
Cash and savingsLn 1–2$250K
Total assetsLn 16$410K
LiabilitiesLn 26$232K
PeoplePt VI, VII
6
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$486K
Government grantsLn 1e$185K
Fundraising eventsLn 1c$2K
Fees for servicesLn 2g$51K
Investment incomeLn 3$34K
Other incomeLn 4–11$30K
Gains on assetsLn 7$29K
Total revenueLn 12$601K
Assets in detailPt X, end of year
CashLn 1$156K
SavingsLn 2$94K
Cash and savings togetherLn 1–2$250K
Land, buildings, equipmentLn 10c$10K
Other assetsLn 15$67K
Total assetsLn 16$410K
LiabilitiesLn 26$232K
Net assetsLn 32$178K
OperationsPt I, VI
EmployeesI 58
VolunteersI 65
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$287K$250K
Land, buildings, equipmentLn 10c$12K$10K
Total assetsLn 16$412K$410K
LiabilitiesLn 26$178K$232K
Net assetsLn 32$235K$178K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$20K$16K$4K
Other salaries and wagesLn 7$424K$340K$85K
Pension plan contributionsLn 8$2K$2K$500
Payroll taxesLn 10$34K$27K$7K
Accounting feesLn 11c$21K$17K$4K
Other fees for servicesLn 11g$20K$17K$3K
Advertising and promotionLn 12$15K$12K$3K
Office expensesLn 13$12K$10K$2K
Information technologyLn 14$14K$13K$1K
OccupancyLn 16$25K$20K$5K
TravelLn 17$4K$3K$612
Conferences, conventions and meetingsLn 19$12K$9K$3K
InterestLn 20$2K$2K$410
Depreciation, depletion and amortizationLn 22$2K$2K$399
InsuranceLn 23$11K$9K$2K
Other expenses (24a–d)Ln 24$62K$54K$9K
All other expensesLn 24e$3K$1K$718$718
Total functional expensesLn 25$684K$552K$131K$718

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $601K$684K−$83K$178K 990 PDF
FY2024 $512K$678K−$166K$235K 990 PDF
FY2023 $1.1M$961K$118K$401K 990 PDF
FY2022 $1.8M$1.8M$5K$283K 990 PDF
FY2021 $2.7M$2.6M$69K$103K 990 PDF
FY2020 $558K$529K$29K$33K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $600,814 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $430,578$485,928
I-9 Program service revenuePrior year $53,590$51,239
I-10 Investment incomePrior year $7,812$33,855
I-11 Other revenuePrior year $20,053$29,792
I-12 Total revenuePrior year $512,033$600,814
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $468,380$480,482
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $209,763$203,825
I-18 Total expensesPrior year $678,143$684,307
I-19 Revenue less expensesPrior year −$166,110−$83,493
Part VI · Governance 5 of 5 board members independent, no flags
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $600,814 across 11 lines filed
VIII-1a Federated campaigns$51,352
VIII-1c Fundraising events$1,554
VIII-1e Government grants$185,372
VIII-1f All other contributions, gifts and grants$247,650
VIII-1h Total contributions, gifts and grants$485,928
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $51,239$51,239
VIII-3 Investment incomeExcluded from tax $4,513$4,513
VIII-7 Net gain or loss on sales of assetsRelated to mission $30,263 · Excluded from tax −$921$29,342
VIII-8 Net income from fundraising eventsExcluded from tax $22,029$22,029
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $681 · Excluded from tax $7,082$7,763
VIII-12 Total revenueRelated to mission $82,183 · Unrelated business $0 · Excluded from tax $32,703$600,814
Part IX · Statement of functional expenses $684,307 across 17 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $15,672 · Management $3,918$19,590
IX-7 Other salaries and wagesPrograms $339,572 · Management $84,893$424,465
IX-8 Pension plan contributionsPrograms $2,000 · Management $500$2,500
IX-10 Payroll taxesPrograms $27,142 · Management $6,785$33,927
IX-11c Accounting feesPrograms $16,800 · Management $4,200$21,000
IX-11g Other fees for servicesPrograms $16,802 · Management $3,273$20,075
IX-12 Advertising and promotionPrograms $12,391 · Management $3,098$15,489
IX-13 Office expensesPrograms $9,946 · Management $2,486$12,432
IX-14 Information technologyPrograms $12,609 · Management $1,401$14,010
IX-16 OccupancyPrograms $20,297 · Management $5,074$25,371
IX-17 TravelPrograms $3,468 · Management $612$4,080
IX-19 Conferences, conventions and meetingsPrograms $8,641 · Management $2,880$11,521
IX-20 InterestPrograms $1,641 · Management $410$2,051
IX-22 Depreciation, depletion and amortizationPrograms $1,598 · Management $399$1,997
IX-23 InsurancePrograms $8,620 · Management $2,155$10,775
IX-24 Other expenses (24a–d)Programs $53,954 · Management $8,501$62,455
IX-24e All other expensesPrograms $1,133 · Management $718 · Fundraising $718$2,569
IX-25 Total functional expensesPrograms $552,286 · Management $131,303 · Fundraising $718$684,307
Part X · Balance sheet $410,267 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $49,204$156,350
X-2 Savings and temporary cash investmentsStart of year $237,765$93,868
X-4 Accounts receivableStart of year $24,746$78,456
X-9 Prepaid expenses and deferred chargesStart of year $3,563$4,206
X-10c Land, buildings and equipment, netStart of year $11,891$10,293
X-15 Other assetsStart of year $85,209$67,094
X-16 Total assetsStart of year $412,378$410,267
X-17 Accounts payable and accrued expensesStart of year $15,523$25,042
X-19 Deferred revenueStart of year $77,358$140,650
X-25 Other liabilitiesStart of year $84,646$66,674
X-26 Total liabilitiesStart of year $177,527$232,366
X-27 Net assets without donor restrictionsStart of year $139,458$106,995
X-28 Net assets with donor restrictionsStart of year $95,393$70,906
X-32 Total net assets or fund balancesStart of year $234,851$177,901
X-33 Total liabilities and net assetsStart of year $412,378$410,267
Part XI · Reconciliation of net assets $177,901 net assets at year end
XI-1 Total revenue$600,814
XI-2 Total expenses$684,307
XI-3 Revenue less expenses−$83,493
XI-4 Net assets at start of year$234,851
XI-8 Prior period adjustments$26,543
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$177,901

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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