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        </ContractorAddress>
        <ServicesDesc>Home Construction</ServicesDesc>
        <CompensationAmt>916739</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>Gevron Construction LLC</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>4509 NW 23rd Avenu Suite 17</AddressLine1Txt>
            <CityNm>Gainesville</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32606</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Home Construction</ServicesDesc>
        <CompensationAmt>256008</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>Certifed Roofing and Construction</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>PO Box 1673</AddressLine1Txt>
            <CityNm>Newberry</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32669</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>Home Repair</ServicesDesc>
        <CompensationAmt>109010</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>4</CntrctRcvdGreaterThan100KCnt>
      <GovernmentGrantsAmt>1361775</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>39619</AllOtherContributionsAmt>
      <TotalContributionsAmt>1401394</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>Residential Rent</Desc>
        <BusinessCd>532000</BusinessCd>
        <TotalRevenueColumnAmt>360817</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>360817</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>Homebuyer Education Fee</Desc>
        <BusinessCd>561000</BusinessCd>
        <TotalRevenueColumnAmt>5796</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>5796</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>Contract Administration</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>13015</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>13015</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>Interest-Program Loans</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>3701</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>3701</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>383329</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>6354</TotalRevenueColumnAmt>
        <ExclusionAmt>6354</ExclusionAmt>
      </InvestmentIncomeGrp>
      <GrossSalesOfInventoryAmt>1195000</GrossSalesOfInventoryAmt>
      <CostOfGoodsSoldAmt>1313522</CostOfGoodsSoldAmt>
      <NetIncomeOrLossGrp>
        <TotalRevenueColumnAmt>-118522</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>-118522</RelatedOrExemptFuncIncomeAmt>
      </NetIncomeOrLossGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1672555</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>264807</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>6354</ExclusionAmt>
      </TotalRevenueGrp>
      <GrantsToDomesticIndividualsGrp>
        <TotalAmt>9346</TotalAmt>
        <ProgramServicesAmt>9346</ProgramServicesAmt>
      </GrantsToDomesticIndividualsGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>191151</TotalAmt>
        <ProgramServicesAmt>40706</ProgramServicesAmt>
        <ManagementAndGeneralAmt>140887</ManagementAndGeneralAmt>
        <FundraisingAmt>9558</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>319582</TotalAmt>
        <ProgramServicesAmt>271971</ProgramServicesAmt>
        <ManagementAndGeneralAmt>11731</ManagementAndGeneralAmt>
        <FundraisingAmt>35880</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <PensionPlanContributionsGrp>
        <TotalAmt>19322</TotalAmt>
        <ProgramServicesAmt>16712</ProgramServicesAmt>
        <ManagementAndGeneralAmt>459</ManagementAndGeneralAmt>
        <FundraisingAmt>2151</FundraisingAmt>
      </PensionPlanContributionsGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>26596</TotalAmt>
        <ProgramServicesAmt>23109</ProgramServicesAmt>
        <ManagementAndGeneralAmt>461</ManagementAndGeneralAmt>
        <FundraisingAmt>3026</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>36574</TotalAmt>
        <ProgramServicesAmt>23163</ProgramServicesAmt>
        <ManagementAndGeneralAmt>10086</ManagementAndGeneralAmt>
        <FundraisingAmt>3325</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>1490</TotalAmt>
        <ManagementAndGeneralAmt>1490</ManagementAndGeneralAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>25697</TotalAmt>
        <ManagementAndGeneralAmt>25697</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>14655</TotalAmt>
        <ProgramServicesAmt>11821</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2834</ManagementAndGeneralAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>17024</TotalAmt>
        <ProgramServicesAmt>10780</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4696</ManagementAndGeneralAmt>
        <FundraisingAmt>1548</FundraisingAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>31773</TotalAmt>
        <ProgramServicesAmt>20120</ProgramServicesAmt>
        <ManagementAndGeneralAmt>8764</ManagementAndGeneralAmt>
        <FundraisingAmt>2889</FundraisingAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>1270</TotalAmt>
        <ProgramServicesAmt>804</ProgramServicesAmt>
        <ManagementAndGeneralAmt>350</ManagementAndGeneralAmt>
        <FundraisingAmt>116</FundraisingAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>18850</TotalAmt>
        <ProgramServicesAmt>11937</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5199</ManagementAndGeneralAmt>
        <FundraisingAmt>1714</FundraisingAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>13263</TotalAmt>
        <ProgramServicesAmt>8399</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3658</ManagementAndGeneralAmt>
        <FundraisingAmt>1206</FundraisingAmt>
      </TravelGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>93290</TotalAmt>
        <ProgramServicesAmt>68012</ProgramServicesAmt>
        <ManagementAndGeneralAmt>25278</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>41643</TotalAmt>
        <ProgramServicesAmt>26370</ProgramServicesAmt>
        <ManagementAndGeneralAmt>11486</ManagementAndGeneralAmt>
        <FundraisingAmt>3787</FundraisingAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>Construction Repairs &amp; Maint</Desc>
        <TotalAmt>493307</TotalAmt>
        <ProgramServicesAmt>493307</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Equipment and Furnishings</Desc>
        <TotalAmt>17013</TotalAmt>
        <ProgramServicesAmt>10773</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4693</ManagementAndGeneralAmt>
        <FundraisingAmt>1547</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Other</Desc>
        <TotalAmt>11248</TotalAmt>
        <ProgramServicesAmt>7123</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3102</ManagementAndGeneralAmt>
        <FundraisingAmt>1023</FundraisingAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>1383094</TotalAmt>
        <ProgramServicesAmt>1054453</ProgramServicesAmt>
        <ManagementAndGeneralAmt>260871</ManagementAndGeneralAmt>
        <FundraisingAmt>67770</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>5</BOYAmt>
        <EOYAmt>15000</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>2996167</BOYAmt>
        <EOYAmt>1899788</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>267536</BOYAmt>
        <EOYAmt>295209</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <AccountsReceivableGrp>
        <EOYAmt>165</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>40012</BOYAmt>
        <EOYAmt>38468</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>217391</BOYAmt>
        <EOYAmt>1158521</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <LandBldgEquipCostOrOtherBssAmt>4327221</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>970456</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>2922327</BOYAmt>
        <EOYAmt>3356765</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>1354283</BOYAmt>
        <EOYAmt>1471496</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>7797721</BOYAmt>
        <EOYAmt>8235412</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>150950</BOYAmt>
        <EOYAmt>292665</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <BOYAmt>50249</BOYAmt>
        <EOYAmt>20958</EOYAmt>
      </DeferredRevenueGrp>
      <EscrowAccountLiabilityGrp>
        <BOYAmt>25981</BOYAmt>
        <EOYAmt>61787</EOYAmt>
      </EscrowAccountLiabilityGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>227180</BOYAmt>
        <EOYAmt>375410</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>6263950</BOYAmt>
        <EOYAmt>6547823</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>1306591</BOYAmt>
        <EOYAmt>1312179</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>7570541</BOYAmt>
        <EOYAmt>7860002</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>7797721</BOYAmt>
        <EOYAmt>8235412</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>289461</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="990A">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>502117</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>757915</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>648438</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>667487</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1401394</CurrentTaxYearAmt>
        <TotalAmt>3977351</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>502117</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>757915</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>648438</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>667487</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1401394</CurrentTaxYearAmt>
        <TotalAmt>3977351</TotalAmt>
      </TotalCalendarYear170Grp>
      <PublicSupportTotal170Amt>3977351</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>5628</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>3610</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>2475</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>5667</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>6354</CurrentTaxYearAmt>
        <TotalAmt>23734</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>4001085</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>5702380</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.99410</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.99290</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="990B">
      <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>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="990D">
      <AgentTrusteeEtcInd>false</AgentTrusteeEtcInd>
      <InclEscrowCustodialAcctLiabInd>true</InclEscrowCustodialAcctLiabInd>
      <ExplanationProvidedInd>X</ExplanationProvidedInd>
      <LandGrp>
        <OtherCostOrOtherBasisAmt>551344</OtherCostOrOtherBasisAmt>
        <BookValueAmt>551344</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>3682146</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>912288</DepreciationAmt>
        <BookValueAmt>2769858</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>93731</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>58168</DepreciationAmt>
        <BookValueAmt>35563</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>3356765</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>Construction in progress</Desc>
        <BookValueAmt>849028</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>Land held for program services</Desc>
        <BookValueAmt>569613</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>Deferred Mortgages Receivable</Desc>
        <BookValueAmt>52855</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>1471496</TotalBookValueOtherAssetsAmt>
      <TotalRevEtcAuditedFinclStmtAmt>1672555</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>1672555</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>1672555</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>1383094</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>1383094</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>1383094</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Escrow account liability (Part IV, line 2b)</FormAndLineReferenceDesc>
        <ExplanationTxt>Security deposits are held in escrow on behalf of tenants.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleI documentId="990I">
      <GrantRecordsMaintainedInd>true</GrantRecordsMaintainedInd>
      <GrantsOtherAsstToIndivInUSGrp>
        <GrantTypeTxt>Utility payment assistance</GrantTypeTxt>
        <RecipientCnt>7</RecipientCnt>
        <NonCashAssistanceAmt>4346</NonCashAssistanceAmt>
        <ValuationMethodUsedDesc>Cash value</ValuationMethodUsedDesc>
        <NonCashAssistanceDesc>Utility payments</NonCashAssistanceDesc>
      </GrantsOtherAsstToIndivInUSGrp>
      <GrantsOtherAsstToIndivInUSGrp>
        <GrantTypeTxt>Home purchase assistance</GrantTypeTxt>
        <RecipientCnt>1</RecipientCnt>
        <NonCashAssistanceAmt>5000</NonCashAssistanceAmt>
        <ValuationMethodUsedDesc>Cash value</ValuationMethodUsedDesc>
        <NonCashAssistanceDesc>Home buyer assistance</NonCashAssistanceDesc>
      </GrantsOtherAsstToIndivInUSGrp>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Monitoring procedures (Part I, line 2)</FormAndLineReferenceDesc>
        <ExplanationTxt>Eligibility of individual is determined before assistance is provided.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleI>
    <IRS990ScheduleO documentId="990O">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Committee meeting documentation Part VI line 8b</FormAndLineReferenceDesc>
        <ExplanationTxt>There are no committees with authority to act on behalf of the Board of Directors.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>The Form 990 is prepared with the assistance of an independent CPA, and is reviewed and approved by the executive director, chief financial officer, finance committee, and full board.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Conflict of interest policy compliance Part VI line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>Each board member signs the conflict of interest policy once they are approved to join the board. The board is provided ongoing training which covers topics such as conflicts of interest. Board members disclose conflicts as they arise and recuse themselves from taking part in discussion or voting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>CEO executive director top management comp Part VI line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>The Board President researches comparable positions in the area and consults with NeighborWorks America. This information is provided to the Executive Committee. The Exedutive Committee recommends and approves the Executive Directors salary. Contemporaneous documentation is included in the minutes of the meetings of the Executive Committee.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Governing documents are made available upon request.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>