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        <Desc>HOME-HOW-TO IS A SIX MONTH PROGRAM DESIGNED TO EMPOWER FEMALES BY TEACHING BASIC HOME REPAIRS AND PROVIDING SUFFICIENT HANDS-ON PRACTICE TO BUILD THE SKILLS AND CONFIDENCE NECESSARY FOR WOMEN TO UNDERTAKE REPAIRS ON THEIR OWN. THE PROGRAM IS FUNDED ENTIRELY BY NON-GOVERNMENT SOURCES.</Desc>
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        <FundraisingAmt>4850</FundraisingAmt>
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      <InformationTechnologyGrp>
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      <TravelGrp>
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        <FundraisingAmt>8</FundraisingAmt>
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      <DepreciationDepletionGrp>
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      <InsuranceGrp>
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        <ProgramServicesAmt>5735</ProgramServicesAmt>
        <ManagementAndGeneralAmt>112</ManagementAndGeneralAmt>
        <FundraisingAmt>45</FundraisingAmt>
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      <OtherExpensesGrp>
        <Desc>LOAN DEFAULTS</Desc>
        <TotalAmt>8558</TotalAmt>
        <ProgramServicesAmt>8558</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>MISCELLANEOUS</Desc>
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        <FundraisingAmt>6597</FundraisingAmt>
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      <CashNonInterestBearingGrp>
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      <SavingsAndTempCashInvstGrp>
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      <PledgesAndGrantsReceivableGrp>
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      <AccountsReceivableGrp>
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      <PrepaidExpensesDefrdChargesGrp>
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      <LandBldgEquipCostOrOtherBssAmt>343182</LandBldgEquipCostOrOtherBssAmt>
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      <LandBldgEquipBasisNetGrp>
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        <EOYAmt>765416</EOYAmt>
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      <AccountsPayableAccrExpnssGrp>
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      <GrantsPayableGrp>
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        <EOYAmt>22985</EOYAmt>
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      <OrganizationFollowsSFAS117Ind>X</OrganizationFollowsSFAS117Ind>
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      <TemporarilyRstrNetAssetsGrp>
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      <TotalNetAssetsFundBalanceGrp>
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      <TotLiabNetAssetsFundBalanceGrp>
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        <EOYAmt>765416</EOYAmt>
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      <ReconcilationRevenueExpnssAmt>-26950</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>30644</NetUnrlzdGainsLossesInvstAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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    <IRS990ScheduleA documentId="RetDoc4">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>371082</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>491027</CurrentTaxYearMinus3YearsAmt>
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        <CurrentTaxYearMinus1YearAmt>370363</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>321478</CurrentTaxYearAmt>
        <TotalAmt>1999220</TotalAmt>
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      <TotalCalendarYear170Grp>
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        <CurrentTaxYearMinus3YearsAmt>491027</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>445270</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>370363</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>321478</CurrentTaxYearAmt>
        <TotalAmt>1999220</TotalAmt>
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      <PublicSupportTotal170Amt>1999220</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
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        <CurrentTaxYearMinus3YearsAmt>9625</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>2070</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>5341</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>3761</CurrentTaxYearAmt>
        <TotalAmt>28722</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>2027942</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>31512</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.98580</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.98310</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
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    <IRS990ScheduleB documentId="RetDoc1">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
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        <InvestmentEarningsOrLossesAmt>8</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>194705</EndYearBalanceAmt>
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        <BeginningYearBalanceAmt>194597</BeginningYearBalanceAmt>
        <EndYearBalanceAmt>194597</EndYearBalanceAmt>
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        <ContributionsAmt>75</ContributionsAmt>
        <EndYearBalanceAmt>194597</EndYearBalanceAmt>
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      <CYMinus4YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>193885</BeginningYearBalanceAmt>
        <ContributionsAmt>625</ContributionsAmt>
        <EndYearBalanceAmt>194510</EndYearBalanceAmt>
      </CYMinus4YrEndwmtFundGrp>
      <PrmnntEndowmentBalanceEOYPct>1.00000</PrmnntEndowmentBalanceEOYPct>
      <EndowmentsHeldUnrelatedOrgInd>false</EndowmentsHeldUnrelatedOrgInd>
      <EndowmentsHeldRelatedOrgInd>false</EndowmentsHeldRelatedOrgInd>
      <LandGrp>
        <OtherCostOrOtherBasisAmt>41000</OtherCostOrOtherBasisAmt>
        <BookValueAmt>41000</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>275028</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>157122</DepreciationAmt>
        <BookValueAmt>117906</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>8953</OtherCostOrOtherBasisAmt>
        <BookValueAmt>8953</BookValueAmt>
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      <OtherLandBuildingsGrp>
        <OtherCostOrOtherBasisAmt>18201</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>21825</DepreciationAmt>
        <BookValueAmt>-3624</BookValueAmt>
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      <TotalBookValueLandBuildingsAmt>164235</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>INVESTMENTS</Desc>
        <BookValueAmt>310450</BookValueAmt>
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      <TotalBookValueOtherAssetsAmt>310450</TotalBookValueOtherAssetsAmt>
      <TotalRevEtcAuditedFinclStmtAmt>387395</TotalRevEtcAuditedFinclStmtAmt>
      <NetUnrealizedGainsInvstAmt>30644</NetUnrealizedGainsInvstAmt>
      <RevenueNotReportedAmt>30644</RevenueNotReportedAmt>
      <RevenueSubtotalAmt>356751</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>356751</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>383701</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>383701</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>383701</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>HRRC COMPLIES WITH FASB ASC 740-ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. FASB ASC 740 DETAILS HOW COMPANIES SHOULD RECOGNIZE, MEASURE, PRESENT AND DISCLOSE UNCERTAIN TAX POSITIONS THAT HAVE BEEN OR ARE EXPECTED TO BE TAKEN. AS SUCH, THE FINANCIAL STATEMENTS WOULD REFLECT EXPECTED FUTURE TAX CONSEQUENCES OF UNCERTAIN TAX POSITIONS PRESUMING THE TAXING AUTHORITIES' FULL KNOWLEDGE OF THE POSITION AND ALL RELEVANT FACTS, IF THEY EXISTED. MANAGEMENT BELIEVES THAT THERE ARE NO UNCERTAIN TAX POSITIONS. THE ORGANIZATION'S TAX YEARS THAT REMAIN SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE ARE JUNE 30, 2011, 2012 AND 2013.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>TO EMPOWER HOMEOWNERS TO MAINTAIN THEIR HOMES FOR SUSTAINABLE AND DIVERSE COMMUNITIES. THE ORGANIZATION FOCUSES ON OWNER-OCCUPIED, ONE- AND TWO-FAMILY HOMES. HRRC'S PROGRAMS RECOGNIZE THE SPECIAL NEEDS OF LOW-MODERATE INCOME (LMI) HOMEOWNERS AND PROVIDE INCENTIVES TO ENCOURAGE AND ENABLE THEIR PARTICIPATION. PROGRAMS ARE DESIGNED TO PREVENT DETERIORATION AND BLIGHT AND TO ENCOURAGE REHABILITION, IN ORDER TO MAINTAIN THE CONDITION AND VALUE OF HOUSING IN THE COMMUNITY. HRRC ALSO SERVES AS A HUD-APPROVED COUNSELING AGENCY TO PROVIDE HOUSING COUNSELING (INCLUDING FINANCIAL EDUCATION AND HOME BUYER EDUCATION) AND FORECLOSURE INTERVENTION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 1, PART I, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>VOLUNTEERS PROVIDE INSTRUCTION FOR HOME REPAIR EDUCATION, ASSIST WITH OFFICE WORK, PROVIDE PRESENTATIONS AND ASSISTANCE FOR THE HOME REMODELING FAIR AND SENIOR EXPO, AND ASSIST WITH OUTREACH AND FUNDRAISING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>FEDERAL FORM 990 WAS PROVIDE TO THE FINANCE COMMITTEE FOR REVIEW PRIOR TO FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY EACH BOARD MEMBER READS AND SUBMITS A STATEMENT THAT THEY DO NOT HAVE ANY CONFLICT.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE COMMITTEE DETERMINES THE EXECUTIVE DIRECTOR'S SALARY. THE COMMITTEE USES INFORMATION FOUND IN OTHER SIMILAR ORGANIZATIONS' FEDERAL FORM 990S, THE CURRENT ECONOMIC ENVIRONMENT AND THE LIMITED RESOURCES OF THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>STAFF SALARIES ARE VOTED ON BY THE BOARD DURING THE BUDGET PROCESS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>CONSISTENT WITH THE REQUIREMENTS OF SECTION 6104(D) OF THE IRC AND THE REGULATIONS THEREUNDER, COPIES OF THE ORGANIZATION'S FORM 990 AND GOVERNING DOCUMENTS SHALL BE MADE AVAILABLE UPON REQUEST, IN A TIMELY MANNER, AND SUBJECT TO THE CHARGES PERMITTED BY LAW TO ANY INDIVIDUALS WHO REQUEST IT.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>