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      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE DISC AMORTIZATION</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>137979</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>137979</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE DISCOUNT REVENUE</Desc>
        <TotalRevenueColumnAmt>104692</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>104692</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SUBORDINATE MORTGAGE REVENUE</Desc>
        <TotalRevenueColumnAmt>44060</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>44060</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>525531</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>655</TotalRevenueColumnAmt>
        <ExclusionAmt>655</ExclusionAmt>
      </InvestmentIncomeGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>677711</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>525531</RelatedOrExemptFuncIncomeAmt>
        <ExclusionAmt>655</ExclusionAmt>
      </TotalRevenueGrp>
      <GrantsToDomesticOrgsGrp>
        <TotalAmt>5000</TotalAmt>
        <ProgramServicesAmt>5000</ProgramServicesAmt>
      </GrantsToDomesticOrgsGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>230</TotalAmt>
        <ManagementAndGeneralAmt>230</ManagementAndGeneralAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>2029</TotalAmt>
        <ManagementAndGeneralAmt>2029</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>2073</TotalAmt>
        <ProgramServicesAmt>1593</ProgramServicesAmt>
        <ManagementAndGeneralAmt>468</ManagementAndGeneralAmt>
        <FundraisingAmt>12</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>3000</TotalAmt>
        <ManagementAndGeneralAmt>3000</ManagementAndGeneralAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>1237</TotalAmt>
        <ManagementAndGeneralAmt>1237</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>460</TotalAmt>
        <ManagementAndGeneralAmt>460</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <PaymentsToAffiliatesGrp>
        <TotalAmt>2750</TotalAmt>
        <ProgramServicesAmt>2750</ProgramServicesAmt>
      </PaymentsToAffiliatesGrp>
      <InsuranceGrp>
        <TotalAmt>4426</TotalAmt>
        <ProgramServicesAmt>602</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3824</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>CONSTRUCTION COSTS</Desc>
        <TotalAmt>275218</TotalAmt>
        <ProgramServicesAmt>275218</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MORTGAGE DISCOUNT</Desc>
        <TotalAmt>130158</TotalAmt>
        <ProgramServicesAmt>130158</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>PROPERTY TAXES</Desc>
        <TotalAmt>68</TotalAmt>
        <ProgramServicesAmt>68</ProgramServicesAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>426649</TotalAmt>
        <ProgramServicesAmt>415389</ProgramServicesAmt>
        <ManagementAndGeneralAmt>11248</ManagementAndGeneralAmt>
        <FundraisingAmt>12</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>258896</BOYAmt>
        <EOYAmt>386037</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <EOYAmt>4587</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>511176</BOYAmt>
        <EOYAmt>616090</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>35025</BOYAmt>
        <EOYAmt>29898</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <LandBldgEquipCostOrOtherBssAmt>5773</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>5773</LandBldgEquipAccumDeprecAmt>
      <OtherAssetsTotalGrp>
        <BOYAmt>1704</BOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>806801</BOYAmt>
        <EOYAmt>1036612</EOYAmt>
      </TotalAssetsGrp>
      <EscrowAccountLiabilityGrp>
        <BOYAmt>21251</BOYAmt>
      </EscrowAccountLiabilityGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>21251</BOYAmt>
        <EOYAmt>0</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>785550</BOYAmt>
        <EOYAmt>1036612</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>785550</BOYAmt>
        <EOYAmt>1036612</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>806801</BOYAmt>
        <EOYAmt>1036612</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>251062</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>true</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc6">
      <PubliclySupportedOrg509a2Ind>X</PubliclySupportedOrg509a2Ind>
      <GiftsGrantsContrisRcvd509Grp>
        <CurrentTaxYearMinus4YearsAmt>73018</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>87518</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>101990</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>168494</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>151525</CurrentTaxYearAmt>
        <TotalAmt>582545</TotalAmt>
      </GiftsGrantsContrisRcvd509Grp>
      <GrossReceiptsAdmissionsGrp>
        <CurrentTaxYearMinus4YearsAmt>125000</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>111500</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>142000</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>139600</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>238800</CurrentTaxYearAmt>
        <TotalAmt>756900</TotalAmt>
      </GrossReceiptsAdmissionsGrp>
      <Total509Grp>
        <CurrentTaxYearMinus4YearsAmt>198018</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>199018</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>243990</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>308094</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>390325</CurrentTaxYearAmt>
        <TotalAmt>1339445</TotalAmt>
      </Total509Grp>
      <PublicSupportTotal509Amt>1339445</PublicSupportTotal509Amt>
      <GrossInvestmentIncome509Grp>
        <CurrentTaxYearMinus4YearsAmt>78</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>109</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>116</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>155</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>655</CurrentTaxYearAmt>
        <TotalAmt>1113</TotalAmt>
      </GrossInvestmentIncome509Grp>
      <InvestmentIncomeAndUBTIGrp>
        <CurrentTaxYearMinus4YearsAmt>78</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>109</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>116</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>155</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>655</CurrentTaxYearAmt>
        <TotalAmt>1113</TotalAmt>
      </InvestmentIncomeAndUBTIGrp>
      <OtherIncome509Grp>
        <CurrentTaxYearMinus4YearsAmt>57251</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>33612</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>33346</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>34467</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>286731</CurrentTaxYearAmt>
        <TotalAmt>445407</TotalAmt>
      </OtherIncome509Grp>
      <TotalSupportCalendarYearGrp>
        <CurrentTaxYearMinus4YearsAmt>255347</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>232739</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>277452</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>342716</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>677711</CurrentTaxYearAmt>
        <TotalAmt>1785965</TotalAmt>
      </TotalSupportCalendarYearGrp>
      <PublicSupportCY509Pct>0.75000</PublicSupportCY509Pct>
      <PublicSupportPY509Pct>0.86800</PublicSupportPY509Pct>
      <InvestmentIncomeCYPct>0.00000</InvestmentIncomeCYPct>
      <InvestmentIncomePYPct>0.00000</InvestmentIncomePYPct>
      <ThirtyThrPctSuprtTestsCY509Ind>X</ThirtyThrPctSuprtTestsCY509Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART III, LINE 12</FormAndLineReferenceDesc>
        <ExplanationTxt>MORTGAGE DISCOUNT REVENUE 122,375 MORTGAGE DISCOUNT AMORTIZATION 269,972 SUBORDINATE MORTGAGE REVENUE 53,060</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
      <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="RetDoc3">
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>5773</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>5773</DepreciationAmt>
      </EquipmentGrp>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc4">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4A</FormAndLineReferenceDesc>
        <ExplanationTxt>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 ENOUGHT 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 HOUSES 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 FOUNDATIONALTO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS -SEE PART III, LN 4A STATEMENT</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 IS AVAILABLE TO ALL OFFICERS FOR THEIR INDIVIDUAL REVIEW. THE TREASURER WILL FORWARD THE TAX RETURN TO ALL OFFICERS WHO WILL REVIEW IT BEFORE THE MEETING WITH THE FINANCIAL COMMITTEE. WHILE DELIVERING THE TAX RETURN, THE FINANCE COMMITTEE WILL ANSWER ANY QUESTIONS ABOUT THE TAX RETURN. THE RETURN WILL BE FILED AFTER ALL QUESTIONS ARE ANSWERED.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY, THE BOARD DISCLOSES ANY CONFLICTS OF INTEREST (IF ANY). IN THE CASE A CONFLICT OF INTEREST DEVELOPS, THE BOARD MEMBER(S) IS (ARE) TO NOTIFY THE ENTIRE BOARD.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc5">
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>HABITAT FOR HUMANITY INTERNATIONAL</BusinessNameLine1Txt>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1Txt>322 W LAMAR ST</AddressLine1Txt>
          <CityNm>AMERICUS</CityNm>
          <StateAbbreviationCd>GA</StateAbbreviationCd>
          <ZIPCd>31709</ZIPCd>
        </USAddress>
        <EIN>911914868</EIN>
        <PrimaryActivitiesTxt>HOUSING</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>GA</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>501C3</ExemptCodeSectionTxt>
        <PublicCharityStatusTxt>7</PublicCharityStatusTxt>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <ReceiptOfIntAnntsRntsRyltsInd>false</ReceiptOfIntAnntsRntsRyltsInd>
      <GiftGrntOrCapContriToOthOrgInd>true</GiftGrntOrCapContriToOthOrgInd>
      <GiftGrntCapContriFromOthOrgInd>false</GiftGrntCapContriFromOthOrgInd>
      <LoansOrGuaranteesToOtherOrgInd>false</LoansOrGuaranteesToOtherOrgInd>
      <LoansOrGuaranteesFromOthOrgInd>false</LoansOrGuaranteesFromOthOrgInd>
      <DivRelatedOrganizationInd>false</DivRelatedOrganizationInd>
      <AssetSaleToOtherOrgInd>false</AssetSaleToOtherOrgInd>
      <AssetPurchaseFromOtherOrgInd>false</AssetPurchaseFromOtherOrgInd>
      <AssetExchangeInd>false</AssetExchangeInd>
      <RentalOfFacilitiesToOthOrgInd>false</RentalOfFacilitiesToOthOrgInd>
      <RentalOfFcltsFromOthOrgInd>false</RentalOfFcltsFromOthOrgInd>
      <PerformOfServicesForOthOrgInd>false</PerformOfServicesForOthOrgInd>
      <PerformOfServicesByOtherOrgInd>false</PerformOfServicesByOtherOrgInd>
      <SharingOfFacilitiesInd>false</SharingOfFacilitiesInd>
      <PaidEmployeesSharingInd>false</PaidEmployeesSharingInd>
      <ReimbursementPaidToOtherOrgInd>false</ReimbursementPaidToOtherOrgInd>
      <ReimbursementPaidByOtherOrgInd>false</ReimbursementPaidByOtherOrgInd>
      <TransferToOtherOrgInd>true</TransferToOtherOrgInd>
      <TransferFromOtherOrgInd>false</TransferFromOtherOrgInd>
    </IRS990ScheduleR>
  </ReturnData>
</Return>