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      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
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        <ListedInGoverningDoc>true</ListedInGoverningDoc>
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        <OrganizedInUS>true</OrganizedInUS>
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      <OtherLiabilities>
        <Description>SECURITY AND DOWN PAYMENT ESCROWS</Description>
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      </OtherLiabilities>
      <OtherLiabilities>
        <Description>REPAYABLE GRANTS</Description>
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      <TotalRevenue>732677</TotalRevenue>
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      <ExcessOrDeficitForYear>72376</ExcessOrDeficitForYear>
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      <TotalExpensesPerForm990>660301</TotalExpensesPerForm990>
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        <Identifier>LIABILITY UNDER FIN 48 FOOTNOTE</Identifier>
        <ReturnReference>SCHEDULE D, PAGE 3, PART X</ReturnReference>
        <Explanation>TRUENORTH AND ITS AFFILIATED ORGANIZATIONS HAVE EVALUATED UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH EXISTING GENERALLY ACCEPTED ACCOUNTING PRINCIPLES, AND MAKES SUCH ACCRUALS AND DISCLOSURES AS MIGHT BE REQUIRED THEREUNDER. UNDER THAT GUIDANCE, THE ORGANIZATIONS HAVE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS UNDER THE PROVISION OF FSP FIN 48-3, ACCOUNTING FOR INCOME TAXES.</Explanation>
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        <Identifier>ORGANIZATION'S MISSION</Identifier>
        <ReturnReference>FORM 990 - ORGANIZATION'S MISSION</ReturnReference>
        <Explanation>NCCS CNH IS A RURAL NON-PROFIT HOUSING ORGANIZATION COMMITTED TO ASSURING ALL MEMBERS OF OUR COMMUNITY HAVE ACCESS TO QUALITY AFFORDABLE HOUSING. CNH PROVIDES COUNSELING, EDUCATION, AND FINANCIAL ASSISTANCE FOR CLOSING COSTS AND RENOVATIONS TO LOW TO MODERATE INCOME FAMILIES PURCHASING A HOME. CNH ADMINISTERS HOUSING CHOICE VOUCHERS IN MUSKEGON, NEWAYGO, AND OCEANA COUNTIES AND OWNS 114 UNITS OF RENTALS FOR LOW TO MODERATE INCOME FAMILIES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ALL OTHER ACHIEVEMENTS DESCRIPTION</Identifier>
        <ReturnReference>FORM 990, PAGE 2, PART III, LINE 4D</ReturnReference>
        <Explanation>RETIREMENT RENTAL-PROVIDING ELDERLY RENTERS WITH AN AFFORDABLE APARTMENT TO RENT. HOUSING CHOICE VOUCHER-PROVIDES SUBSIDY VOUCHERS FOR RENT PAYMENTS.</Explanation>
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      <GeneralExplanation>
        <Identifier>ORGANIZATION'S PROCESS USED TO REVIEW FORM 990</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 11B</ReturnReference>
        <Explanation>THE AUDITED FINANCIAL STATEMENTS AND THE FORM 990 ARE REVIEWED WITH THE AUDITOR AND THE NCCS BOARD FINANCE AND AUDIT COMMITTEE PRIOR TO THE FILING OF THE FORM 990.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ENFORCEMENT OF CONFLICTS POLICY</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 12C</ReturnReference>
        <Explanation>NCCS BOARD MEMBERS ARE REQUIRED TO COMPLETE THE NCCS BOARD OF DIRECTORS CONFLICT OF INTEREST POLICY FORM ANNUALLY. STAFF ARE REQUIRED TO DISCLOSE ANY INTERESTS ON THE NCCS EMPLOYEE CONFLICT OF INTEREST DISCLOSURE STATEMENT BEFORE ANY TRANSACTION IS CONSUMMATED. THE BOARD REVIEWS ALL NOTED CONFLICT OF INTERESTS.</Explanation>
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      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR TOP OFFICIAL</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15A</ReturnReference>
        <Explanation>AN EVALUATION IS COMPLETED ANNUALLY FOR ALL SENIOR MANAGEMENT STAFF. THE EXECUTIVE DIRECTOR'S EVALUATION IS COMPLETED BY THE BOARD OF DIRECTORS. THE EXECUTIVE COMMITEE IS RESPONSIBLE FOR THE EVALUATION PROCESS. ALL OTHER SENIOR MANAGMENT ANNUAL REVIEWS ARE COMPLETED BY THEIR IMMEDIATE SUPERVISOR.</Explanation>
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      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR OFFICERS</Identifier>
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        <Explanation>AN EVALUATION IS COMPLETED ANNUALLY FOR ALL SENIOR MANAGEMENT STAFF. THE EXECUTIVE DIRECTOR'S EVALUATION IS COMPLETED BY THE BOARD OF DIRECTORS. THE EXECUTIVE COMMITEE IS RESPONSIBLE FOR THE EVALUATION PROCESS. ALL OTHER SENIOR MANAGMENT ANNUAL REVIEWS ARE COMPLETED BY THEIR IMMEDIATE SUPERVISOR.</Explanation>
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      <GeneralExplanation>
        <Identifier>GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 19</ReturnReference>
        <Explanation>ALL DOCUMENTS ARE MADE AVAILABLE UPON REQUEST.</Explanation>
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      <GeneralExplanation>
        <Identifier>OTHER EXPENSES</Identifier>
        <ReturnReference>FORM 990, PART IX, LINE 24F</ReturnReference>
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          <State>MI</State>
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