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        <Description>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.</Description>
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        <Fundraising>1541</Fundraising>
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      <FeesForServicesAccounting>
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        <Fundraising>138</Fundraising>
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      <Advertising>
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        <ManagementAndGeneral>478</ManagementAndGeneral>
        <Fundraising>235</Fundraising>
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        <ProgramServices>12328</ProgramServices>
        <ManagementAndGeneral>1895</ManagementAndGeneral>
        <Fundraising>6408</Fundraising>
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      <InformationTechnology>
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        <ProgramServices>3410</ProgramServices>
        <ManagementAndGeneral>931</ManagementAndGeneral>
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        <Fundraising>463</Fundraising>
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        <Description>MISCELLANEOUS</Description>
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        <ManagementAndGeneral>715</ManagementAndGeneral>
        <Fundraising>30</Fundraising>
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        <EOY>16065</EOY>
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        <EOY>16879</EOY>
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      <FollowSFAS117>X</FollowSFAS117>
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      <TotalNetAssetsFundBalances>
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        <EOY>738737</EOY>
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      <TotalLiabNetAssetsFundBalances>
        <BOY>772543</BOY>
        <EOY>755616</EOY>
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      <ReconcilationRevenueExpenses>-11778</ReconcilationRevenueExpenses>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>true</AccountantCompileOrReview>
      <AccountantCompileOrReviewBasis>
        <FinancialStatementSeparate>X</FinancialStatementSeparate>
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      <FSAudited>true</FSAudited>
      <FSAuditedBasis>
        <FinancialStatementSeparate>X</FinancialStatementSeparate>
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      <AuditCommittee>true</AuditCommittee>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
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    <IRS990ScheduleA documentId="RetDoc3">
      <PubliclySupportedOrg170b1Avi>X</PubliclySupportedOrg170b1Avi>
      <GiftsGrantsContribReceived170>
        <CurrentTaxYearMinus4Years>420823</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>371082</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>491027</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>445270</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>370363</CurrentTaxYear>
        <Total>2098565</Total>
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      <Total170>
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        <CurrentTaxYearMinus2Years>491027</CurrentTaxYearMinus2Years>
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        <CurrentTaxYear>370363</CurrentTaxYear>
        <Total>2098565</Total>
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      <GrossInvestmentIncome170>
        <CurrentTaxYearMinus4Years>11021</CurrentTaxYearMinus4Years>
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        <CurrentTaxYearMinus1Year>2070</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>5341</CurrentTaxYear>
        <Total>35982</Total>
      </GrossInvestmentIncome170>
      <TotalSupport>2134547</TotalSupport>
      <GrossReceiptsFromAdmissionsEtc>26756</GrossReceiptsFromAdmissionsEtc>
      <PublicSupportPertcentage170>0.98310</PublicSupportPertcentage170>
      <PublicSupportPertcentPriorYear>0.97950</PublicSupportPertcentPriorYear>
      <ThirtyThreePercntTestsCY170>X</ThirtyThreePercntTestsCY170>
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      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
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          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
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        <AggregateContributions>RESTRICTED</AggregateContributions>
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        <Contributions>100</Contributions>
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        <EndOfYearBalance>194705</EndOfYearBalance>
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        <BeginningOfYearBalance>194510</BeginningOfYearBalance>
        <Contributions>75</Contributions>
        <EndOfYearBalance>194597</EndOfYearBalance>
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      <CurrentYearMinus3Years>
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        <Contributions>625</Contributions>
        <EndOfYearBalance>194510</EndOfYearBalance>
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      <PermanentEndowmentEOYBalance>1.00000</PermanentEndowmentEOYBalance>
      <EndowmentsHeldByUnrelatedOrgs>false</EndowmentsHeldByUnrelatedOrgs>
      <EndowmentsHeldByRelatedOrgs>false</EndowmentsHeldByRelatedOrgs>
      <Land>
        <OtherCostOrOtherBasis>41000</OtherCostOrOtherBasis>
        <BookValue>41000</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>273134</OtherCostOrOtherBasis>
        <Depreciation>149340</Depreciation>
        <BookValue>123794</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>5041</OtherCostOrOtherBasis>
        <Depreciation>3661</Depreciation>
        <BookValue>1380</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <OtherCostOrOtherBasis>18201</OtherCostOrOtherBasis>
        <Depreciation>18201</Depreciation>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>166174</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>INVESTMENTS</Description>
        <BookValue>209690</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>209690</TotalBookValueOtherAssets>
      <TotRevenueEtcAuditedFinclStmt>402460</TotRevenueEtcAuditedFinclStmt>
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      <ExpensesSubtotal>414238</ExpensesSubtotal>
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      <GeneralExplanation>
        <Identifier>ORGANIZATION'S MISSION</Identifier>
        <ReturnReference>FORM 990 - ORGANIZATION'S MISSION</ReturnReference>
        <Explanation>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.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS</Identifier>
        <ReturnReference>FORM 990, PAGE 1, PART I, LINE 6</ReturnReference>
        <Explanation>VOLUNTEERS HELP WITH HOUSING REHABILITATION, OFFICE WORK, THE HOME REMODELING FAIR AND FUNDRAISING</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ORGANIZATION'S PROCESS USED TO REVIEW FORM 990</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 11B</ReturnReference>
        <Explanation>FEDERAL FORM 990 WAS PROVIDE TO THE FINANCE COMMITTEE FOR REVIEW PRIOR TO FILING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ENFORCEMENT OF CONFLICTS POLICY</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 12C</ReturnReference>
        <Explanation>ANNUALLY EACH BOARD MEMBER READS AND SUBMITS A STATEMENT THAT THEY DO NOT HAVE ANY CONFLICT.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR TOP OFFICIAL</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15A</ReturnReference>
        <Explanation>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.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR OFFICERS</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15B</ReturnReference>
        <Explanation>STAFF SALARIES ARE VOTED ON BY THE BOARD DURING THE BUDGET PROCESS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 19</ReturnReference>
        <Explanation>GOVERNING DOCUMENTS ARE PROVIDED WITHIN 30 DAYS OF WRITTEN REQUEST.</Explanation>
      </GeneralExplanation>
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</Return>