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.
84¢ of each $1 spent went to programs.
$78K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

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FY2020 · 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
84%
of spending
Looks good: 84% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$78K
to officers and key staff · 15% of spending
Looks good: pay to officers and key staff is 15% of spending; 15% or less.
Pt VII · Sec A
<1 mo
of spending, in cash
Concern: 0.0 months of spending in cash; under 2 weeks.
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
$103K
76% of total assets
Worth a look: liabilities are 76% of assets; over 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
$558K
Spent
$529K
To programs
84%
Net assets
$33K
By yearFY2020–FY2025
Revenue
$558K
FY2020
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
$529K
FY2020
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
$33K
FY2020
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 FY2020 Form 990 · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2025) →

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

84 cents of each dollar spent went to programs.

Program services 84% · $446K Management & general 15% · $79K Fundraising 1% · $4K

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; $78K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Di
$78,100Pt VII · Sec A
President
$0Pt VII · Sec A
Vice Preside
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Trustee/Dire
$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.

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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 · $446K · in their own filed words · FY2020
01

Organization's mission or most significant activites provide pre- and post-purchase homeownership counseling and foreclosure preventino services to low-to-moderate income individuals and families. They also perform financial literacy education and outreach and community engagement to families struggling to stay in their home.

$446Kprogram 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 FY2020 990, line by line.

1The main four
Money inPt VIII
$558K
Ln 12
Fees for servicesLn 2g$452K
Gifts and grantsLn 1h$106K
Other incomeLn 4–11$250
Money outPt IX
$529K
Ln 25
Programscol B$446K
Managementcol C$79K
Fundraisingcol D$4K
Owns and owesPt X
$33K
net assets · Ln 32
Cash and savingsLn 1–2$1K
Total assetsLn 16$137K
LiabilitiesLn 26$103K
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$106K
Government grantsLn 1e$43K
Fees for servicesLn 2g$452K
Other incomeLn 4–11$250
Total revenueLn 12$558K
Assets in detailPt X, end of year
CashLn 1$1K
Cash and savings togetherLn 1–2$1K
Land, buildings, equipmentLn 10c$17K
Other assetsLn 15$3K
Total assetsLn 16$137K
LiabilitiesLn 26$103K
Net assetsLn 32$33K
OperationsPt I, VI
EmployeesI 58
VolunteersI 65
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$33K$1K
Land, buildings, equipmentLn 10c$21K$17K
Total assetsLn 16$81K$137K
LiabilitiesLn 26$77K$103K
Net assetsLn 32$4K$33K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$223K$178K$45K
Other employee benefitsLn 9$1K$960$240
Payroll taxesLn 10$25K$15K$10K
Legal feesLn 11b$79$63$16
Accounting feesLn 11c$8K$7K$2K
Other fees for servicesLn 11g$32K$30K$2K
Advertising and promotionLn 12$8K$8K
Office expensesLn 13$16K$12K$3K
Information technologyLn 14$9K$8K$944
OccupancyLn 16$50K$40K$10K
TravelLn 17$2K$2K$325
Conferences, conventions and meetingsLn 19$493$274$219
InterestLn 20$4K$3K$827
Depreciation, depletion and amortizationLn 22$4K$3K$782
InsuranceLn 23$5K$4K$914
Other expenses (24a–d)Ln 24$131K$128K$3K
All other expensesLn 24e$10K$5K$821$4K
Total functional expensesLn 25$529K$446K$79K$4K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $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 Viewing $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 FY2020 990 (6 parts)
Part I · Summary $558,121 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $86,847$105,815
I-9 Program service revenuePrior year $330,394$452,056
I-10 Investment income$0
I-11 Other revenue$250
I-12 Total revenuePrior year $417,241$558,121
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $222,675$249,620
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $187,386$279,381
I-18 Total expensesPrior year $410,061$529,001
I-19 Revenue less expensesPrior year $7,180$29,120
Part VI · Governance 5 of 5 board members independent, 3 to look at
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $558,121 across 6 lines filed
VIII-1e Government grants$42,770
VIII-1f All other contributions, gifts and grants$63,045
VIII-1h Total contributions, gifts and grants$105,815
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $452,056$452,056
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $250$250
VIII-12 Total revenueRelated to mission $452,306$558,121
Part IX · Statement of functional expenses $529,001 across 17 lines filed
IX-7 Other salaries and wagesPrograms $178,448 · Management $44,612$223,060
IX-9 Other employee benefitsPrograms $960 · Management $240$1,200
IX-10 Payroll taxesPrograms $15,273 · Management $10,087$25,360
IX-11b Legal feesPrograms $63 · Management $16$79
IX-11c Accounting feesPrograms $6,556 · Management $1,639$8,195
IX-11g Other fees for servicesPrograms $30,013 · Management $1,580$31,593
IX-12 Advertising and promotionPrograms $8,481$8,481
IX-13 Office expensesPrograms $12,481 · Management $3,120$15,601
IX-14 Information technologyPrograms $8,494 · Management $944$9,438
IX-16 OccupancyPrograms $40,295 · Management $10,074$50,369
IX-17 TravelPrograms $1,843 · Management $325$2,168
IX-19 Conferences, conventions and meetingsPrograms $274 · Management $219$493
IX-20 InterestPrograms $3,306 · Management $827$4,133
IX-22 Depreciation, depletion and amortizationPrograms $3,128 · Management $782$3,910
IX-23 InsurancePrograms $3,654 · Management $914$4,568
IX-24 Other expenses (24a–d)Programs $127,708 · Management $2,834$130,542
IX-24e All other expensesPrograms $4,929 · Management $821 · Fundraising $4,061$9,811
IX-25 Total functional expensesPrograms $445,906 · Management $79,034 · Fundraising $4,061$529,001
Part X · Balance sheet $136,883 assets, 14 lines filed
X-1 Cash, non-interest-bearingStart of year $33,212$1,278
X-3 Pledges and grants receivableStart of year $21,628$112,727
X-9 Prepaid expenses and deferred chargesStart of year $2,934$3,314
X-10c Land, buildings and equipment, netStart of year $20,903$16,993
X-15 Other assetsStart of year $2,571$2,571
X-16 Total assetsStart of year $81,248$136,883
X-17 Accounts payable and accrued expensesStart of year $32,955$14,024
X-24 Unsecured notes and loans payableStart of year $26,238$29,994
X-25 Other liabilitiesStart of year $17,768$59,458
X-26 Total liabilitiesStart of year $76,961$103,476
X-27 Net assets without donor restrictionsStart of year −$33,213−$81,112
X-28 Net assets with donor restrictionsStart of year $37,500$114,519
X-32 Total net assets or fund balancesStart of year $4,287$33,407
X-33 Total liabilities and net assetsStart of year $81,248$136,883
Part XI · Reconciliation of net assets $33,407 net assets at year end
XI-1 Total revenue$558,121
XI-2 Total expenses$529,001
XI-3 Revenue less expenses$29,120
XI-4 Net assets at start of year$4,287
XI-10 Net assets at end of year$33,407

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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