2026-04-22T15:27:54-05:00 2025-06-30 221914888 NISIVOCCIA LLP 200 VALLEY RD SUITE 300 MT ARLINGTON NJ 07856 990 2024-07-01 223126027 RARITAN VALLEY HABITAT FOR HUMANITY INC RARI 9087040016 PO BOX 330 PLUCKEMIN NJ 07978 DAVID CHECCHIO PRESIDENT 9087040016 2026-04-21 1 0 CHRIS PERROTTA CPA P01450368 9733281825 2026-04-20 2024 2025-03-06 01:10:19Z DAVID CHECCHIO PO BOX 330 PLUCKEMIN NJ 07978 2219811 0 X WWW.RVHABITAT.ORG X 1992 NJ TO BUILD AFFORDABLE HOUSING IN HUNTERDON AND SOMERSET COUNTIES, NEW JERSEY. 12 12 23 603 0 0 1886431 1047479 1017284 961052 19463 72346 -7093 1684 2916085 2082561 0 0 0 0 1145789 1110332 0 0 106125 2709622 805976 3855411 1916308 -939326 166253 2823419 3358761 994924 1364013 1828495 1994748 X RARITAN VALLEY HABITAT FOR HUMANITY, INC. (ORGANIZATION") IS ANOT-FOR-PROFIT ORGANIZATION THAT BUILDS AND PRESERVES AFFORDABLE HOMESIN SOMERSET AND HUNTERDON COUNTIES (NEW JERSEY) IN PARTNERSHIP WITHLOW- AND MODERATE- INCOME HOMEOWNERS AND THE COMMUNITY. THEORGANIZATION IS AN AFFILIATE OF HABITAT FOR HUMANITY INTERNATIONAL,INC. DURING 2018, THE ORGANIZATION OPENED A HABITAT FOR HUMANITYRESTORE IN MANVILLE, SOMERSET COUNTY. A HABITAT RESTORE SELLS NEW ANDGENTLY-USED, DONATED FURNITURE, APPLIANCES, HOME DECOR AND BUILDINGSUPPLIES TO THE PUBLIC AT A FRACTION OF THEIR RETAIL PRICES. ITBENEFITS THE COMMUNITY BY PROVIDING HIGH-QUALITY ITEMS AT AFFORDABLEPRICES, GENERATING PROCEEDS TO FUND THE BUILDING AND REPAIR OF MOREAFFORDABLE HOMES, AND KEEPING ITEMS OUT OF LANDFILLS. 0 0 961798 854435 THE RVHFH HABITAT RESTORE RAISES FUNDS TO ENABLE THE ORGANIZATION TO BUILD HOMES FOR MORE FAMILIES IN THE LOCAL AREA. THE RESTORE BENEFITS THE ENTIRE COMMUNITY BY OFFERING NEW AND GENTLY-USED HOUSEHOLD GOODS AND BUILDING SUPPLIES TO THE PUBLIC AT BARGAIN PRICES, PROVIDES REWARDING VOLUNTEER OPPORTUNITIES, AND KEEPS ITEMS OUT OF LANDFILLS. THE RVHFH RESTORE DONATES FURNITURE AND OTHER HOUSEHOLD GOODS TO SOCIAL SERVICE AGENCIES TO SUPPORT CITIZENS IN THE LOCAL COMMUNITY. 514388 106617 RARITAN VALLEY HABITAT FOR HUMANITY, INC. (RVHFH) BUILDS STRENGTH, STABILITY AND SELF-RELIANCE FOR LOW-AND MODERATE-INCOME INDIVIDUALS ANDFAMILIES IN HUNTERDON AND SOMERSET COUNTIES THROUGH AFFORDABLLE HOMEOWNERSHIP OPPORTUNITIES. THE HABITAT PROGRAM IS TRULY UNIQUE; PARTNER HOMEOWNERS INVEST 250-500+ HOURS WORKING ALONGSIDE VOLUNTEERS FROM ACROSS THE COMMUNITY TO BUILD THEIR HOMES, AND, AT THE SAME TIME, BUILD BRIDGES OF UNDERSTANDING, EMPATHY AND RESPECT BETWEEN DIVERSE GROUPS. RVHFH EXTENDS A 0%-INTEREST MORTGAGE TO PARTNER HOMEOWNERS, AND, BECAUSE OF THE EXTENSIVE SUPPORT OF DEDICATED, SKILLED VOLUNTEERS, IS ABLE TO SELL HOMES FOR A FRACTION OF THEIR MARKET VALUE. AS A RESULT, ABLE TO SELL HOMES FOR A FRACTION OF THEIR MARKET VALUE. AS A RESULT, PARTNER HOMEOWNERS' MONTHLY MORTGAGE PAYMENTS ARE SIGNIFICANTLY LESS THAN THEY HAVE BEEN PAYING FOR RENT, ALLOWING THEM TO SET ASIDE MONEY EACH MONTH TO BUILD SAVINGS, OBTAIN NEEDED MEDICAL AND DENTAL CARE, GO BACK TO SCHOOL TO INCREASE THEIR EARNINGS POTENTIAL AND SAVE FOR THEIR CHILDREN'S COLLEGE EDUCATION. THE OPPORTUNITY TO LIVE IN A DECENT, HEALTHY AND STABLE HOUSEHOLD IN A SAFE, NURTURING NEIGHBORHOOD WITH ACCESS TO GOOD MEDICAL CARE, SCHOOLS, RECREATION, AND ROLE MODELS TRANSFORMS LIVES FOR GENERATIONS TO COME. 1476186 1 1 0 0 0 0 0 0 0 0 1 0 0 1 1 1 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 0 0 23 1 0 0 0 0 0 1 1 0 0 0 0 X 12 12 1 0 0 0 0 0 0 1 1 0 0 1 1 1 0 1 1 1 0 0 NJ X X THE ORGANIZATION 9087040016 PO BOX 330 PLUCKEMIN NJ 07978 DAVID CHECCHIO PRESIDENT 5.00 X X 0 0 0 RENEE CASEY VICE PRESIDENT 2.00 X X 0 0 0 JEREMY GREENMAN TREASURER 2.00 X X 0 0 0 ELLEN MICHELLE HARRIS SECRETARY 2.00 X X 0 0 0 LISA BORROMEO CHECCHIO BOARD MEMBER 2.00 X 0 0 0 CARLA DAVID BOARD MEMBER 2.00 X 0 0 0 SONDRA LEIBNER BOARD MEMBER 2.00 X 0 0 0 VERA MCAVOY BOARD MEMBER 2.00 X 0 0 0 JIM DONOVAN BOARD MEMBER 2.00 X 0 0 0 URSULA SANJAMINO ED D BOARD MEMBER 2.00 X 0 0 0 MICHAEL SCRIBNER BOARD MEMBER 2.00 X 0 0 0 NEIL VIOTTO BOARD MEMBER 2.00 X 0 0 0 MELISSA FLYNN EXECUTIVE DIRECTOR 40.00 X 86117 0 0 JESSICA ABBOTT EXECUTIVE DIRECTOR 40.00 X 62526 0 0 148643 0 0 0 0 0 0 0 30521 203200 813758 166807 1047479 RESTORE INCOME 459510 854435 854435 INTEREST INCOME ON MOR 236000 106617 106617 961052 6755 6755 177584 111993 65591 65591 65591 24757 30521 24757 0 920 500 420 420 MISCELLANEOUS 900099 1264 1264 1264 2082561 961052 0 74030 124626 94441 22670 7515 752453 482092 196587 73774 10183 7717 1852 614 135798 102913 24698 8187 87272 66138 15872 5262 26668 9878 16790 4644 1720 2924 10127 8024 1753 350 17428 10568 6675 185 28326 21597 1264 5465 364352 359952 4400 3016 1203 1410 403 14542 14542 62399 62399 12806 11703 1103 39912 39912 CONSTRUCTION COSTS 116866 116866 SERVICE FEES 47134 19657 23240 4237 REPAIRS & MAINTENANCE 16721 12442 4279 AUTO EXPENSE 16267 16267 24768 16155 8480 133 1916308 1476186 333997 106125 112187 112426 446113 1026634 31950 18364 1315409 1130946 89872 111355 63262 74530 155892 116985 46649 38907 717977 845599 2823419 3358761 133329 100680 234761 680370 626834 582963 994924 1364013 X 1533235 1642373 295260 352375 1828495 1994748 2823419 3358761 166253 0 X X 0 1 X 1 0 X 602532 884965 613547 1886431 1047479 5034954 907070 1048067 1144284 1017284 961052 5077757 1509602 1933032 1757831 2903715 2008531 10112711 0 0 0 10112711 346 212 168 215 6755 7696 346 212 168 215 6755 7696 16398 92416 27391 12091 1264 149560 1526346 2025660 1785390 2916021 2016550 10269967 0.98470 0.98260 0.00070 0.00020 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 42368 33124 9244 34851 31326 3525 78673 52535 26138 38907 INVENTORY OF REAL ESTATE & CIP 256761 OPERATING LEASE RIGHT-OF-USE ASSET 563938 SECURITY DEPOSTIS 24900 845599 OPERATING LEASE LIABILITY 582963 582963 X 2144072 36254 25257 61511 2082561 0 2082561 1977819 36254 25257 61511 1916308 0 1916308 PART X, LINE 2: THE ORGANIZATION IS A NOT-FOR-PROFIT ORGANIZATION AS DESCRIBED IN SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND IS EXEMPT FROM FEDERAL INCOME TAXES ON RELATED INCOME PURSUANT TO SECTION 501(A) OF THE CODE. THE ORGANIZATION IS ALSO EXEMPT UNDER TITLE 15 OF THE STATE OF NEW JERSEY, CORPORATIONS AND ORGANIZATIONS NOT-FOR-PROFIT ACT. ACCORDINGLY, NO PROVISION FOR FEDERAL OR STATE INCOME TAXES HAS BEEN PRESENTED IN THE ACCOMPANYING FINANCIAL STATEMENTS. THE ORGANIZATION FOLLOWS THE PROVISIONS OF FASB ASC INCOME TAXES. THE STANDARD PRESCRIBES A MINIMUM RECOGNITION THRESHOLD AND MEASUREMENT METHODOLOGY THAT A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. IT ALSO PROVIDES GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE, AND TRANSITION AS THEY RELATE TO THOSE TAX POSITIONS. THE ORGANIZATION DOES NOT EXPECT A SIGNIFICANT INCREASE OR DECREASE TO THE TOTAL AMOUNTS OF UNRECOGNIZED TAX POSITIONS DURING THE YEAR ENDED JUNE 30, 2025. HOWEVER, THE ORGANIZATION IS SUBJECT TO REGULAR AUDIT BY TAX AUTHORITIES, INCLUDING A REVIEW OF ITS NONPROFIT STATUS WHICH MANAGEMENT BELIEVES WOULD BE UPHELD UPON EXAMINATION. THE ORGANIZATION BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR THE POSITIONS TAKEN ON ITS TAX RETURNS. NONETHELESS, THE AMOUNTS ULTIMATELY PAID, IF ANY, UPON RESOLUTION OF THE ISSUES RAISED BY THE TAXING AUTHORITIES MAY DIFFER MATERIALLY FROM THE AMOUNTS ACCRUED FOR EACH YEAR. AS REQUIRED BY LAW, THE ORGANIZATION FILES INFORMATIONAL RETURNS IN THE UNITED STATES FEDERAL AND NEW JERSEY STATE JURISDICTIONS. THE ORGANIZATION IS SUBJECT TO INCOME TAX EXAMINATIONS FOR RETURNS WITHIN THE STATUTORY PERIODS ESTABLISHED BY THE RESPECTIVE JURISDICTIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: SPECIAL EVENT 25,257. PART XII, LINE 2D - OTHER ADJUSTMENTS: SPECIAL EVENT 25,257. HOCKEY EVENT 22913 16421 6492 6492 GOLF OUTING 21461 7211 14250 14250 44374 23632 20742 20742 20742 0 X 1 153200 FMV X EQUIPMENT 1 13607 FMV 0 0 0 FORM 990, PART VI, SECTION A, LINE 2 LISA BORROMEO CHECCHIO AND DAVID CHECCHIO ARE MARRIED FORM 990, PART VI, SECTION B, LINE 11B RARITAN VALLEY HABITAT FOR HUMANITY, INC HAS ITS FORM 990 PREPARED BY AN OUTSIDE ACCOUNTING FIRM AND HAS ESTABLISHED THE FOLLOWING REVIEW PROCESS TO ENSURE THAT THE INFORMATION REPORTED IS COMPLETE AND ACCURATE. WHEN THE FORM 990 HAS BEEN PREPARED, REVIEWED BY MANAGEMENT AND IS READY TO BE FILED WITH THE INTERNAL REVENUE SERVICE, IT IS PROVIDED TO THE MEMBERS OF THE ORGANIZATIONS GOVERNING BODY FOR ANY COMMENTS PRIOR TO ITS SUBMISSION. THE GOVERNING BODY IS PROVIDED WITH A REASONABLE AMOUNT OF TIME TO REVIEW THE FORM 990. ANY COMMENTS ARE THEN GROUPED, SUMMARIZED AND PROVIDED THROUGH MANAGEMENT TO THE OUTSIDE ACCOUNTING FIRM. ANY APPLICABLE ISSUES ARE ADDRESSED PRIOR TO THE RETURN BEING FINALIZED AND APPROVED FOR FILING. FORM 990, PART VI, SECTION B, LINE 12 RARITAN VALLEY HABITAT FOR HUMANITY, INC, CURRENTLY HAS IN PLACE A CONFLICT OF INTEREST POLICY WHICH IT REGULARLY MONITORS AND ENFORCES. THE BOARD MANDATES THAT ALL MEMBERS OF MANAGEMENT AND THE GOVERNING BODY ANNUALLY SIGN A CONFLICT OF INTEREST POLICY AND DISCLOSE ANY POTENTIAL OR ACTUAL CONFLICTS THAT MAY EXIST. IF A POTENTIAL OR ACTUAL CONFLICT OF INTEREST EXISTS, GOVERNING BODY AND MANAGEMENT WILL INVESTIGATE THE ISSUE. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST MANAGEMENT AND THE GOVERNING BODY WILL BE NOTIFIED IMMEDIATELY. THE MEMBER WILL NOT BE ALLOWED TO VOTE OR BE A PART OF ANY DECISIONS ABOUT ANY SUCH TRANSACTIONS THAT HAVE TO DO WITH THE CONFLICT UNTIL SUCH TIME THAT THERE IS NO LONGER A CONFLICT. FORM 990, PART VI, SECTION B, LINE 15A THE COMPENSATION OF THE ORGANIZATIONS OFFICERS OR KEY EMPLOYEES IS REVIEWED AND APPROVED BY THE BOARD OF TRUSTEES, AN INDEPENDENT BODY. FORM 990, PART VI, SECTION C, LINE 19 RARITAN VALLEY HABITAT FOR HUMANITY, INC, MAKES ITS FORM 990 AVAILABLE FOR PUBLIC INSPECTION AS REQUIRED UNDER SECTION 6104 OF THE INTERNAL REVENUE CODE UPON WRITTEN REQUEST AT THE ORGANIZATIONS OFFICE AT P.O. BOX 330, PLUCKEMIN, NJ 07978. IN ADDITION FORM 1023 AS WELL AS THE FINANCIAL STATEMENTS, AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON WRITTEN REQUEST AT THE ORGANIZATIONS OFFICE AT P.O. BOX 330, PLUCKEMIN, NJ 07978. OVERSIGHT OF THE AUDIT AND SELECTION OF INDEPENDANT ACCOUNTANT: THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. HABITAT FOR HUMANITY INTERNATIONAL 121 HABITAT STREET AMERICUS GA 31709 911914868 BUILDS AFFORDABLE HOUSING GA 501(C)(3) LINE 10 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 HABITAT FOR HUMANITY INTERNATIONAL B 62399 FMV