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        <Desc>SELF-HELP HOME IMPROVEMENTS - WITH THE GOAL OF STIMULATING SELF-DIRECTED HOME IMPROVEMENTS AND REPAIRS, HOME REPAIR SERVICES' INSTRUCTORS TAUGHT 61 HOME MAINTENANCE WORKSHOPS TO 1,754 STUDENTS. THE HANDS-ON REPAIR WORKSHOPS EQUIPPED HOMEOWNERS TO COMPLETE DO-IT-YOURSELF PROJECTS IN THEIR HOMES. A TOTAL OF 41 HOMEOWNERS SUCCESSFULLY COMPLETED A DIY REMODEL OF THEIR KITCHEN THROUGH THE SUPPORT OF THE HOME REPAIR SERVICES' REMODELING TOGETHER PROGRAM. A TOTAL OF 68 FREE HOME INSPECTIONS AND ASSESSMENT REPORTS WERE COMPLETED.</Desc>
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        <Desc>HOUSING COUNSELING &amp; EDUCATION - THE PRIMARY FOCUS OF THIS PROGRAM CONTINUES TO BE FORECLOSURE PREVENTION, BUT FINANCIAL LITERACY WORKSHOPS CONTINUE TO GROW AS WELL. HOUSING COUNSELORS CONDUCTED 41 ONE-ON-ONE COACHING SESSIONS AND ASSISTED 28 HOUSEHOLDS TO SUCCESSFULLY APPLY FOR MIHAF RESCUE FUNDS. THE FINANCIAL LITERACY WORKSHOPS' TOPICS INCLUDED: DEBT REDUCTION, SPENDING PLAN, CONSUMER PROTECTION, IMPROVING CREDIT, UNDERSTANDING INSURANCE, AVOIDING SCAMS, REVERSE MORTGAGES, AVOIDING IDENTITY THEFT, AND COST REALITIES OF AGING IN PLACE. TOTAL ATTENDANCE FOR THE YEAR WAS 411 STUDENTS.</Desc>
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            <AddressLine1Txt>491 ARLINGTON</AddressLine1Txt>
            <CityNm>MIDDLEVILLE</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49333</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>PLUMBING</ServicesDesc>
        <CompensationAmt>154060</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>SKYLINE EXTERIORS</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>56757 CASCADE RD SE 267</AddressLine1Txt>
            <CityNm>GRAND RAPIDS</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49546</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>HOME IMPRVMENT</ServicesDesc>
        <CompensationAmt>103995</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>3</CntrctRcvdGreaterThan100KCnt>
      <FundraisingAmt>50555</FundraisingAmt>
      <GovernmentGrantsAmt>844657</GovernmentGrantsAmt>
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      <NoncashContributionsAmt>68364</NoncashContributionsAmt>
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      <ProgramServiceRevenueGrp>
        <Desc>REPAIRS &amp; ACCESSIBILITY</Desc>
        <BusinessCd>811000</BusinessCd>
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        <RelatedOrExemptFuncIncomeAmt>1709176</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SELF-HELP HOME IMPROVEMENTS</Desc>
        <BusinessCd>444100</BusinessCd>
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        <RelatedOrExemptFuncIncomeAmt>66436</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
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        <RealAmt>48868</RealAmt>
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      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>32802</TotalRevenueColumnAmt>
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      <ContriRptFundraisingEventAmt>50555</ContriRptFundraisingEventAmt>
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        <ExclusionAmt>-19429</ExclusionAmt>
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      <OtherRevenueMiscGrp>
        <Desc>SRVS TO ORG - RELATED MISSION</Desc>
        <BusinessCd>811000</BusinessCd>
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        <RelatedOrExemptFuncIncomeAmt>31008</RelatedOrExemptFuncIncomeAmt>
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      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>97850</TotalAmt>
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      <OtherSalariesAndWagesGrp>
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        <ProgramServicesAmt>743904</ProgramServicesAmt>
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      <PensionPlanContributionsGrp>
        <TotalAmt>16012</TotalAmt>
        <ProgramServicesAmt>7485</ProgramServicesAmt>
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        <FundraisingAmt>832</FundraisingAmt>
      </PensionPlanContributionsGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>144006</TotalAmt>
        <ProgramServicesAmt>72561</ProgramServicesAmt>
        <ManagementAndGeneralAmt>54025</ManagementAndGeneralAmt>
        <FundraisingAmt>17420</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>90015</TotalAmt>
        <ProgramServicesAmt>45007</ProgramServicesAmt>
        <ManagementAndGeneralAmt>34206</ManagementAndGeneralAmt>
        <FundraisingAmt>10802</FundraisingAmt>
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        <ManagementAndGeneralAmt>6923</ManagementAndGeneralAmt>
      </FeesForSrvcInvstMgmntFeesGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>216037</TotalAmt>
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        <FundraisingAmt>34566</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <OccupancyGrp>
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        <ProgramServicesAmt>103784</ProgramServicesAmt>
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      <DepreciationDepletionGrp>
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        <ProgramServicesAmt>75636</ProgramServicesAmt>
        <ManagementAndGeneralAmt>31120</ManagementAndGeneralAmt>
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      <OtherExpensesGrp>
        <Desc>MATERIALS/SUBCONTRACTING</Desc>
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        <ProgramServicesAmt>1363967</ProgramServicesAmt>
        <ManagementAndGeneralAmt>72</ManagementAndGeneralAmt>
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      <TotalFunctionalExpensesGrp>
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        <ProgramServicesAmt>2593512</ProgramServicesAmt>
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      </SavingsAndTempCashInvstGrp>
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      <PrepaidExpensesDefrdChargesGrp>
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        <EOYAmt>59573</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>3051457</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>2181672</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>868830</BOYAmt>
        <EOYAmt>869785</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsPubTradedSecGrp>
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      <AccountsPayableAccrExpnssGrp>
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        <EOYAmt>253675</EOYAmt>
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      <DeferredRevenueGrp>
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        <EOYAmt>266527</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>1861662</BOYAmt>
        <EOYAmt>1922292</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>546870</BOYAmt>
        <EOYAmt>546870</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
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        <EOYAmt>2469162</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>2680444</BOYAmt>
        <EOYAmt>2735689</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
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      <NetUnrlzdGainsLossesInvstAmt>-20995</NetUnrlzdGainsLossesInvstAmt>
      <OtherChangesInNetAssetsAmt>-8169</OtherChangesInNetAssetsAmt>
      <InfoInScheduleOPartXIIInd>X</InfoInScheduleOPartXIIInd>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>true</FederalGrantAuditRequiredInd>
      <FederalGrantAuditPerformedInd>false</FederalGrantAuditPerformedInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc7">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
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        <CurrentTaxYearMinus3YearsAmt>1484490</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>1877012</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2113649</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1909941</CurrentTaxYearAmt>
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      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
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        <CurrentTaxYearMinus2YearsAmt>1877012</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2113649</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1909941</CurrentTaxYearAmt>
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      <SubstantialContributorsTotAmt>19201</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>8888233</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>22496</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>21182</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>19236</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>22080</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>26297</CurrentTaxYearAmt>
        <TotalAmt>111291</TotalAmt>
      </GrossInvestmentIncome170Grp>
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        <CurrentTaxYearMinus4YearsAmt>6450</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>4960</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus1YearAmt>4590</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>5245</CurrentTaxYearAmt>
        <TotalAmt>21245</TotalAmt>
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      <GrossReceiptsRltdActivitiesAmt>7043221</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.98320</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.98060</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART II, LINE 10</FormAndLineReferenceDesc>
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    <IRS990ScheduleB documentId="RetDoc1">
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        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc3">
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      <InclEscrowCustodialAcctLiabInd>false</InclEscrowCustodialAcctLiabInd>
      <LandGrp>
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        <BookValueAmt>88165</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>2456720</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>1810462</DepreciationAmt>
        <BookValueAmt>646258</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>506572</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>371210</DepreciationAmt>
        <BookValueAmt>135362</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>869785</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>BENEFICIAL INTEREST IN PERPETUAL END</Desc>
        <BookValueAmt>158022</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>158022</TotalBookValueOtherAssetsAmt>
      <FootnoteTextInd>X</FootnoteTextInd>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C) (3) OF THE INTERNAL REVENUE CODE. HOWEVER, INCOME FROM CERTAIN ACTIVITIES NOT DIRECTLY RELATED TO THE ORGANIZATIONS TAX-EXEMPT PURPOSE MAY BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. SINCE THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES, NO PROVISION FOR INCOME TAXES IS INCLUDED IN THE ACCOMPANYING FINANCIAL STATEMENTS. GENERALLY, TAX YEARS FROM 2019 THROUGH THE CURRENT YEAR REMAIN OPEN TO EXAMINATION. THE ORGANIZATION DOES NOT BELIEVE THAT THE RESULTS FROM ANY EXAMINATION OF THESE OPEN YEARS WOULD HAVE A MATERIAL ADVERSE EFFECT ON THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleG documentId="RetDoc4">
      <FundraisingEventInformationGrp>
        <Event1Nm>RESOURCEFUL HOM</Event1Nm>
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        <CharitableContriEvent1Amt>50555</CharitableContriEvent1Amt>
        <GrossRevenueEvent1Amt>5245</GrossRevenueEvent1Amt>
        <RentFacilityCostsEvent1Amt>21878</RentFacilityCostsEvent1Amt>
        <FoodAndBeverageEvent1Amt>178</FoodAndBeverageEvent1Amt>
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        <GrossReceiptsTotalAmt>55800</GrossReceiptsTotalAmt>
        <CharitableContributionsTotAmt>50555</CharitableContributionsTotAmt>
        <GrossRevenueTotalEventsAmt>5245</GrossRevenueTotalEventsAmt>
        <RentFcltyCostsTotalEventsAmt>21878</RentFcltyCostsTotalEventsAmt>
        <FoodAndBeverageTotalEventsAmt>178</FoodAndBeverageTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>2618</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>24674</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>-19429</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleM documentId="RetDoc5">
      <SecuritiesPubliclyTradedGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <ContributionCnt>2</ContributionCnt>
        <NoncashContributionsRptF990Amt>20604</NoncashContributionsRptF990Amt>
        <MethodOfDeterminingRevenuesTxt>FAIR MARKET VALUE</MethodOfDeterminingRevenuesTxt>
      </SecuritiesPubliclyTradedGrp>
      <OtherNonCashContriTableGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <Desc>REPAIR SUPPLIES</Desc>
        <ContributionCnt>8</ContributionCnt>
        <NoncashContributionsRptF990Amt>47760</NoncashContributionsRptF990Amt>
        <MethodOfDeterminingRevenuesTxt>FAIR MARKET VALUE</MethodOfDeterminingRevenuesTxt>
      </OtherNonCashContriTableGrp>
      <AnyPropertyThatMustBeHeldInd>false</AnyPropertyThatMustBeHeldInd>
      <ReviewProcessUnusualNCGiftsInd>false</ReviewProcessUnusualNCGiftsInd>
      <ThirdPartiesUsedInd>false</ThirdPartiesUsedInd>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE M, PAGE 2, PART II</FormAndLineReferenceDesc>
        <ExplanationTxt>ORGANIZATION IS REPORTING NUMBER OF CONTRIBUTIONS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleM>
    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL LINES LEFT BLANK ARE NOT APPLICABLE TO THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>PRIOR TO FILING, FORM 990 IS EMAILED TO BOARD MEMBERS FOR REVIEW, AND IS OPEN FOR DISCUSSION AT THE BOARD MEETING THAT FOLLOWS DISTRIBUTION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS HAS IN PLACE A CONFLICT OF INTEREST POLICY THAT COVERS ALL BOARD MEMBERS. EACH BOARD MEMBER FILLS OUT A QUESTIONNAIRE DISCLOSING FAMILY AND BUSINESS RELATIONSHIPS THAT MAY GIVE RISE TO A CONFLICT OF INTEREST. THESE QUESTIONNAIRES ARE PROVIDED TO AND REVIEWED BY ALL BOARD MEMBERS. ADDITIONALLY, WHEN A POTENTIAL CONFLICT OF INTEREST EXISTS RELATED TO A MATTER REQUIRING BOARD ACTION, THE INTERESTED BOARD MEMBER IS TO CALL IT TO THE ATTENTION OF THE BOARD, AND IS RESTRICTED FROM VOTING ON THE MATTER.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE DIRECTOR'S PERFORMANCE AND SALARY ARE REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS ACCORDING TO THE CALENDAR SET EACH YEAR. FOLLOWING A SURVEY OF BOARD MEMBERS OF PERFORMANCE ACROSS ALL POLICIES, THE BOARD MEETS PRIVATELY TO DISCUSS THE RESULTS. SALARY REVIEW FOLLOWS THIS PROCESS AND INCLUDES A REVIEW OF DATA FROM THE EMPLOYERS' ASSOCIATION AND HISTORIC SALARY DATA FOR THE EXECUTIVE DIRECTOR. THE MEETING IS DOCUMENTED IN BOARD MINUTES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>AUDITED FINANCIAL STATEMENTS ARE AVAILABLE ON THE ORGANIZATION'S WEBSITE, OR ARE AVAILBABLE FOR INSPECTION AT THE ORGANIZATION'S OFFICES. COPIES OF THE ORGANIZATION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST, OR ARE AVAILABLE FOR INSPECTION AT THE ORGANIZATION'S OFFICES. A WRITTEN REQUEST MAY BE SUBMITTED TO THE ORGANIZATION AT THE ORGANIZATION'S WEBSITE, BY EMAIL, OR BY US MAIL.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>CHANGE IN BENEFICIAL INTEREST IN ENDOWMENT -8,169</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 12, PART XII, LINE 3B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION IS IN THE PROCESS OF UNDERGOING A FINANCIAL AND A SINGLE AUDIT, HOWEVER, THESE AUDITS WERE NOT COMPLETE BY THE FORM 990 EXTENDED DUE DATE.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
