Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 1987.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
91 cents of each dollar spent went to programs.
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
12 people listed on the 990.
Compensation history total reportable pay by year · 1 named individual · Part VII
| Name | FY2021 | FY2020 |
|---|---|---|
| Robyn Bipes-Timm | $117,564 | $132,699 |
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 15aNo
Programs and updates
Helps underserved people buy homes with affordable mortgages.
Questions for Tchfh Lending INC
Your first name shows with your question. Tchfh Lending INC answers here, for everyone.
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Twin cities habitat for humanity is the sole member of the TCHFH lending inc. Corporation; together the two organizations work in partnership to make decent, affordable homeownership possible for low and moderate income households across the twin cities seven-county metro. TCHFH lending, inc.
TCHFH lending, inc. Provides down payment and closing cost assistance grants to eligible low-income homebuyers and facilitates third-party down payment assistance programs and subordinate loans.
TCHFH lending, inc. Services residential mortgages it originates and services existing loans previously originated by its parent entity, twin cities habitat for humanity, inc. The organization serviced 1,450 loans in FY25.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $3.9M | $7.3M |
| InvestmentsLn 11–13 | $0 | $172K |
| Total assetsLn 16 | $11.4M | $19.9M |
| LiabilitiesLn 26 | $6.6M | $8.5M |
| Net assetsLn 32 | $4.8M | $11.4M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $998K | $998K | ||
| Grants to domestic individualsLn 2 | $1.6M | $1.6M | ||
| Pay of current officers, directors and key staffLn 5 | $158K | $78K | $80K | |
| Other salaries and wagesLn 7 | $825K | $668K | $158K | |
| Pension plan contributionsLn 8 | $17K | $14K | $3K | |
| Other employee benefitsLn 9 | $152K | $124K | $28K | |
| Payroll taxesLn 10 | $72K | $55K | $17K | |
| Legal feesLn 11b | $17K | $17K | ||
| Accounting feesLn 11c | $9K | $9K | ||
| Other fees for servicesLn 11g | $95K | $95K | ||
| Office expensesLn 13 | $2K | $2K | ||
| TravelLn 17 | $3K | $3K | ||
| Conferences, conventions and meetingsLn 19 | $6K | $6K | ||
| InterestLn 20 | $220K | $184K | $36K | |
| InsuranceLn 23 | $21K | $21K | ||
| Other expenses (24a–d)Ln 24 | $434K | $365K | $69K | |
| Total functional expensesLn 25 | $4.7M | $4.3M | $401K | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $11.3M | $4.7M | $6.6M | $11.4M | 990 PDF |
| FY2024 | $5.3M | $3.5M | $1.8M | $4.8M | 990 PDF |
| FY2023 | $2.5M | $1.7M | $743K | $3.0M | 990 PDF |
| FY2022 | $2.4M | $1.3M | $1.2M | $2.2M | 990 PDF |
| FY2021 | $900K | $920K | −$21K | $652K | 990 PDF |
| FY2020 | $1.2M | $1.1M | $147K | $672K | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $11,251,491 revenue, 12 lines filed
Part VI · Governance 9 of 9 board members independent, 1 to look at
Part VIII · Statement of revenue $11,251,491 across 9 lines filed
Part IX · Statement of functional expenses $4,659,990 across 16 lines filed
Part X · Balance sheet $19,881,588 assets, 16 lines filed
Part XI · Reconciliation of net assets $11,401,547 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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