2026-04-07T14:50:50-04:00 2025-06-30 263582184 CAIN BOURRET JARRY & CRESSMAN LLC 1175 MAMMOTH ROAD SUITE 2A DRACUT MA 01826 990 2024-07-01 043123186 HABITAT FOR HUMANITY OF GREATER LOWELL INC HABI 9786920927 68 TADMUCK ROAD SUITE 1 WESTFORD MA 01886 ELIZABETH GARBER PRESIDENT 9786920927 2026-03-26 true false KRISTIN M CRESSMAN P00446157 9789571421 2026-03-26 2024 2025-03-06 01:10:19Z ELIZABETH GARBER 156 PLAIN RD WESTFORD MA 01886 1945026 false X WWW.LOWELLHABITAT.ORG X 1991 MA SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY OF GREATER LOWELL ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH. 13 13 17 1073 0 1226287 1444912 330288 84715 542 199 43132 12469 1600249 1542295 0 0 789924 704219 0 219538 879608 480434 1669532 1184653 -69283 357642 3171788 3814124 180982 358420 2990806 3455704 X SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY OF GREATER LOWELL ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH. false false 379136 84715 HOMEOWNERSHIP PROGRAM:FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSE AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING THE FISCAL YEAR, HABITAT SERVED PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM. 413175 THE RESTORE IS A RETAIL OUTLET OPEN TO THE PUBLIC. ALL FUNDS RAISED BY THE RESTORE PROVIDE DIRECT SUPPORT TO HABITAT FOR HUMANITY'S MISSION OF BUILDING STRENGTH, STABILITY AND SELF-RELIANCE THROUGH SHELTER IN OUR COMMUNITY. THE RESTORE ACCEPTS DROP OFFS OR WILL SCHEDULE FREE PICK UPS FOR NEW AND GENTLY USED HOME IMPROVEMENT MATERIALS, HOME GOODS, FURNITURE, LIGHTING, FLOORING AND APPLIANCES. THESE ITEMS ARE THEN SOLD AT 50-70% OFF RETAIL PRICES TO PEOPLE OF ALL INCOME LEVELS, THEREFORE GENERATING FUNDS TO BUILD MORE AFFORDABLE HOMES IN THE GREATER LOWELL AREA. THE RESTORE IS A GREEN INITIATIVE, KEEPING USEABLE BUILDING MATERIALS, HOME IMPROVEMENT PRODUCTS, FURNITURE, APPLIANCES AND HOUSEHOLD ITEMS OUT OF LANDFILLS TO THE TUNE OF ABOUT 350 TONS A YEAR, THEREBY SAVING SPACE AND MONEY. 792311 true true false false false false false false false false true false false false true false true false false false false false false false false false false false false false false false false false false false false false true false false false false false false false false true 9 0 false 17 true false false false false false true true false false false false false false false false X 13 13 false false false false false false false true true false false true true true true true true true false false MA X X ELIZABETH GARBER 9786920927 156 PLAIN RD WESTFORD MA 01886 SHEILAGH CARLISLE EXECUTIVE DI 40.00 X 95509 0 0 ELIZABETH GARBER PRESIDENT 5.00 X X 40744 0 0 KATHERINE ADAMS CLERK 1.00 X 0 0 0 ANDREW BARLOW DIRECTOR 20.00 X 0 0 0 SILVIA BERRIO DIRECTOR 1.00 X 0 0 0 AMANDA BERRY TREASURER 2.00 X X 0 0 0 JEFFREY BREM DIRECTOR 0.50 X 0 0 0 GICELLE BRITO DIRECTOR 3.00 X 0 0 0 MICHAEL COLLINS DIRECTOR 2.00 X 0 0 0 PAUL GERMANO VICE PRESIDE 1.00 X 0 0 0 PAMELA JACQUES-RAIMONDI DIRECTOR 0.00 X 0 0 0 DAVID LAURELLO DIRECTOR 8.00 X 0 0 0 JEN MCNUTT DIRECTOR 0.50 X 0 0 0 JEFF TURCOTTE DIRECTOR 1.00 X 0 0 0 136253 false false false 1444912 434191 1444912 MORTGAGE LOAN DISCOUNT AMORT 531390 81565 81565 OTHER PROGRAM INCOME 522292 3150 3150 84715 199 199 1483 693 790 790 413717 402038 11679 11679 1542295 11679 85704 134884 80930 26977 26977 498583 322113 44160 132310 13288 9195 341 3752 57464 30909 14395 12160 19800 19800 96488 30985 42042 23461 1022 1022 30371 5019 8302 17050 175521 153701 21820 21019 19829 706 484 8546 8546 12807 12732 75 35264 28600 6664 OTHER EXPENSES 33860 31748 1046 1066 BANK AND CREDIT CARD FEES 15319 13626 130 1563 HOME CONSTRUCTION COSTS 10472 10472 TELECOMMUNICATIONS 7946 1800 6146 11999 11284 715 1184653 792311 172804 219538 216623 459745 8177 23527 49026 31566 1952959 1790030 814553 1416050 27915 3165 196051 133177 75681 62874 26854 27167 3171788 3814124 103611 123784 14193 149304 77371 71139 180982 358420 X 2860107 3116653 130699 339051 2990806 3455704 3171788 3814124 X 357642 107256 X false true X true false X 825097 1131353 1021008 1226287 1444911 5648656 394259 388255 424901 436317 413717 2057449 769881 493031 1026560 379353 100391 2769216 1989237 2012639 2472469 2041957 1959019 10475321 10475321 1188 953 754 542 199 3636 1188 953 754 542 199 3636 1990425 2013592 2473223 2042499 1959218 10478957 0.99970 0.99930 0.00000 0.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 77329 32767 44562 13011 13011 105711 87399 18312 62874 LONG TERM DEBT 42095 LEASE LIABILITY 29044 71139 2051927 107594 402038 509632 1542295 1542295 1587029 338 402038 402376 1184653 1184653 SCHEDULE D, PAGE 4, PART XI, LINE 2D RESTORE COGS 402,038 SCHEDULE D, PAGE 4, PART XII, LINE 2D RESTORE COGS 402,038 X MATERIALS 1 64737 FAIR MARKET VALUE X RESTORE GOODS 1 369454 FAIR MARKET VALUE false false false FORM 990 - ORGANIZATION'S MISSION SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY OF GREATER LOWELL ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH. FORM 990, PAGE 2, PART III, LINE 4A HOMEOWNERSHIP PROGRAM:FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSE AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING THE FISCAL YEAR, HABITAT SERVED PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM. FORM 990, PAGE 6, PART VI, LINE 11B EXECUTIVE DIRECTOR PERFORMS AN INITIAL REVIEW AND THEN FORWARDS THE RETURN TO THE BOARD MEMBERS FOR REVIEW AND DISCUSSION. FORM 990, PAGE 6, PART VI, LINE 12C A FORM IS FILLED OUT ANNUALLY BY EACH BOARD MEMBER DISCLOSING ANY CONFLICTS OF INTEREST. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTORS REVIEWS THE EXECUTIVE DIRECTOR'S PERFORMANCE, AND SETS THE EXECUTIVE DIRECTOR'S SALARY ANNUALLY AS PART OF THE ANNUAL BUDGET PROCESS. FORM 990, PAGE 6, PART VI, LINE 19 DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9 RESTORE COGS 402,038 RESTORE COGS -402,038