2026-04-16T12:24:32-04:00 2025-06-30 263582184 CAIN BOURRET JARRY & CRESSMAN LLC 1175 MAMMOTH ROAD SUITE 2A DRACUT MA 01826 990 2024-07-01 042999854 HABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC HABI 9783482749 3 PARK STREET SUITE 203 LEOMINSTER MA 01453 CURT LOGEE PRESIDENT 9783482749 2025-11-24 true false STEVEN R BOURRET P00042047 9789571421 2025-11-24 2024 2025-03-06 01:10:19Z CURT LOGEE 3 PARK STREET SUITE 203 LEOMINSTER MA 01453 3607748 false X WWW.NCMHABITAT.ORG X 1988 MA HABITAT FOR HUMANITY IS A NON-PROFIT HOUSING MINISTRY THAT SEEKS TO BE A PARTNER AND CATALYST IN BUILDING COMMUNITIES WHERE EVERYONE HAS THE OPPORTUNITY TO THRIVE. WE BELIEVE OUR MODEL OF SERVICE CAPITAL, NOT CHARITY, CO-WORKERS AND NOT CASE WORKERS PROVIDES A STRENGTH-BASED APPROACH THAT ENHANCES THE CAPABILITIES OF FAMILIES, ENCOURAGING THEM TO DRAW ON THEIR OWN SELF DETERMINATION AND STRENGTHS. WE BELIEVE THAT FAMILIES WHO INVEST IN THEMSELVES THROUGH FINANCIAL EDUCATION AND SWEAT EQUITY IN THE CONSTRUCTION OF THEIR OWN HOMES TRANSFORM THEIR LIVES AND THE LIVES OF THEIR CHILDREN FOR THE BETTER. OUR FAMILIES ARE REQUIRED TO INVEST 200-350 HOURS OF SWEAT EQUITY INTO HABITAT PROGRAMS. THE OWNER AND FAMILIES ARE ALSO REQUIRED TO COMPLETE CERTAIN HOMEOWNERSHIP READINESS CLASSES BEFORE PURCHASING THEIR HABITAT HOMES, AS THE MORTGAGE HOLDER HABITAT OF NORTH CENTRAL MASSACHUSETTS IS ABLE TO PROVIDE A 0% INTEREST MORTGAGE LOAN. 12 12 13 765 52651 1517893 2433246 253555 628980 4911 7517 112866 109014 1889225 3178757 0 0 490785 561590 0 12648 852162 1267932 1342947 1829522 546278 1349235 2890654 4161037 287988 211605 2602666 3949432 X SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMINITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE, HABITAT FOR HUMANITY NORTH CENTRAL 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 1180862 628980 FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE ADN 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 APPLICANCES, 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 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 INVESTING IN EDUCATIONAL OPPORTUNIITES, BOLSTERING JOB OPPORTUNIITIES AND CAREER GROWTH. DURING FISCAL YEAR 2025, HABITAT FOR HUMANITY NORTH CENTRAL SERVED MANY PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM. 433222 THE ORGANIZATION OPERATES A RESTORE. THE STORE RECEIVES DONATED BUILDING MATERIALS AND SUPPLIES FROM CONTRACTORS THAT WOULD NORMALLY BE DISPOSED OF AT THE END OF CONSTRUCTION. WE ALSO RECEIVE DONATIONS OF FURNITURE AND HOUSEHOLD GOODS FROM INDIVIDUALS. THESE ITEMS ARE SUBSEQUENTLY RESOLD TO GENERATE FUNDS IN ORDER TO PROVIDE RESOURCES TO CONTINUE OUR AFFORDABLE HOME BUILDING PROCESS. 1614084 true true false false false false false false false true true false false true true false true false false false false false false false true false false false false false false false false false false false false false true false false false false false false false false true 10 0 true 13 true true true false false false false true true false false false false false false false false X 12 12 false false false false false false false true true false false true true true true true true true false false MA X CAROLYN READ 9783482749 3 PARK STREET SUITE 203 LEOMINSTER MA 01720 CAROLYN READ EXECUTIVE DI 40.00 X 92153 0 0 PATRICK COCHRAN DIRECTOR 1.00 X 0 0 0 JAMIE CONAGHAN DIRECTOR 1.00 X 0 0 0 JIM DARCANGELO DIRECTOR 1.00 X 0 0 0 LYNN DEVIN SECRETARY/CL 1.00 X X 0 0 0 DAVID GENTLEMAN DIRECTOR 1.00 X 0 0 0 BRIEANNA KELLEY VICE PRESIDE 1.00 X X 0 0 0 STEVEN LEDOUX DIRECTOR 1.00 X 0 0 0 BEA LEE DIRECTOR 1.00 X 0 0 0 CURT LOGEE PRESIDENT 1.00 X X 0 0 0 CRAIG MADONIA TREASURER 1.00 X 0 0 0 JEAN RUBIN DIRECTOR 1.00 X 0 0 0 TIM SMITH TREASURER 1.00 X X 0 0 0 92153 false false false 233785 2199461 1386273 2433246 SALES OF HOMES 453310 559000 559000 AMORTIZED MORTGAGE DISCOUNT 531390 69980 69980 628980 7517 7517 120076 63713 56363 56363 417929 365278 52651 52651 3178757 636497 52651 56363 87331 78598 8733 413637 312157 101480 60622 47285 13337 6685 3342 3343 21951 10976 10975 33976 25482 3398 5096 5825 5825 30804 9984 15402 5418 119836 106594 13242 509 509 314 314 19400 19400 10271 10271 47037 37159 9878 HOME CONSTRUCTION COSTS 473525 473525 MORTGAGE DISCOUNT EXPENSE 200615 200615 CRITICAL HOME REPAIR EXP 190697 190697 BAD DEBT EXPENSE 21461 21461 85026 60399 22493 2134 1829522 1614084 202790 12648 241429 203418 389004 641055 352592 305996 811406 916222 107852 113820 24976 27203 233013 216458 26824 16555 20431 21918 916140 1914850 2890654 4161037 55332 55086 25446 27851 207210 128668 287988 211605 X 2373502 3611159 229164 338273 2602666 3949432 2890654 4161037 X 1349235 -2475 6 X false true X true false X 765263 1207741 1191268 1517893 2433246 7115411 1019 177687 429405 258466 636497 1503074 408823 104413 125150 130836 120076 889298 1175105 1489841 1745823 1907195 3189819 9507783 9507783 3663 1006 1460 4911 7517 18557 3663 1006 1460 4911 7517 18557 67065 55496 64157 186718 1245833 1546343 1811440 1912106 3197336 9713058 0.97890 0.97150 0.00000 0.00000 X PART III, LINE 12 OTHER FUNDRAISING AND SPECIAL EVENTS 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 20431 1488 -307 21918 19029 1679 -277 20431 18284 995 -250 19029 19434 700 -1600 -250 18284 15724 910 3050 -250 19434 false false 20868 20868 78349 77352 997 133796 118238 15558 16555 HOME CONSTRUCTION IN PROGRESS 1848610 RIGHT OF USE ASSET 66240 1914850 LEASE LIABILITY 68668 CONSTRUCTION LOAN 60000 128668 3553275 9240 365278 374518 3178757 3178757 2206515 11715 365278 376993 1829522 1829522 SCHEDULE D, PAGE 4, PART XI, LINE 2D RESTORE COGS 365,278 SCHEDULE D, PAGE 4, PART XII, LINE 2D RESTORE COGS 365,278 EVENTS 120076 120076 63713 120076 120076 63713 63713 56363 X MATERIAL & LAND 3 1386273 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, COMMINITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE, HABITAT FOR HUMANITY NORTH CENTRAL 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 FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE ADN 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 APPLICANCES, 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 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 INVESTING IN EDUCATIONAL OPPORTUNIITES, BOLSTERING JOB OPPORTUNIITIES AND CAREER GROWTH. DURING FISCAL YEAR 2025, HABITAT FOR HUMANITY NORTH CENTRAL SERVED MANY PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM. FORM 990, PAGE 6, PART VI, LINE 11B A COPY OF THE FORM 990 IS SENT TO ALL BOARD MEMBERS BEFORE FILING. THE EXECUTIVE DIRECTOR AND BOARD MEMBERS REVIEW AND DISCUSS THE TAX RETURN PRIOR TO ITS FILING. THE ORGANIZATION WILL ALSO CONSULT WITH THE TAX PREPARER FOR ADDITIONAL INFORMATION OR CLARIFICATION WHEN NECESSARY. FORM 990, PAGE 6, PART VI, LINE 12C THE BOARD, OR ITS MEMBERS ARE REQUIRED TO DISCLOSE ANY CONFLICT OF INTEREST IMMEDIATELY. FORM 990, PAGE 6, PART VI, LINE 15A COMPENSATION FOR THE EXECUTIVE DIRECTOR WAS OFFERED BY THE BOARD OF DIRECTORS. NO OUTSIDE CONSULTANT WAS HIRED. THE BOARD MADE THE OFFER BASED ON HISTORICAL DATA FROM HABITAT AND SOME MARKET RESEARCH. FORM 990, PAGE 6, PART VI, LINE 19 DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9 PRIOR YEAR ROUNDING 6