﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2025v4.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2026-08-10T09:43:21-04:00</ReturnTs>
    <TaxPeriodEndDt>2025-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>871088082</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>OFFERDAHL EMERSON &amp; COMPANY LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>166 ROUTE 81 STE 1</AddressLine1Txt>
        <CityNm>KILLINGWORTH</CityNm>
        <StateAbbreviationCd>CT</StateAbbreviationCd>
        <ZIPCd>064191481</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990</ReturnTypeCd>
    <TaxPeriodBeginDt>2025-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>061006312</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>NEIGHBORHOOD HOUSING SERVICES</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>OF NEW BRITAIN</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>NEIG</BusinessNameControlTxt>
      <PhoneNum>8602242433</PhoneNum>
      <USAddress>
        <AddressLine1Txt>223 BROAD STREET</AddressLine1Txt>
        <CityNm>NEW BRITAIN</CityNm>
        <StateAbbreviationCd>CT</StateAbbreviationCd>
        <ZIPCd>06051</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>CHRISTOPHER SANDERS</PersonNm>
      <PersonTitleTxt>PRESIDENT &amp; CEO</PersonTitleTxt>
      <PhoneNum>8602242433</PhoneNum>
      <SignatureDt>2026-07-25</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>DARIN L OFFERDAHL</PreparerPersonNm>
      <PTIN>P01062158</PTIN>
      <PhoneNum>8606630110</PhoneNum>
      <PreparationDt>2026-07-25</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2025</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="5">
    <IRS990 documentId="RetDoc2" referenceDocumentId="RetDoc4">
      <PrincipalOfficerNm>BETH WESLEY GHILONI-WAGE</PrincipalOfficerNm>
      <USAddress>
        <AddressLine1Txt>1615 STANLEY STREET</AddressLine1Txt>
        <AddressLine2Txt>1615 STANLEY STREET</AddressLine2Txt>
        <CityNm>NEW BRITAIN</CityNm>
        <StateAbbreviationCd>CT</StateAbbreviationCd>
        <ZIPCd>06050</ZIPCd>
      </USAddress>
      <GrossReceiptsAmt>3656199</GrossReceiptsAmt>
      <GroupReturnForAffiliatesInd>false</GroupReturnForAffiliatesInd>
      <Organization501c3Ind>X</Organization501c3Ind>
      <WebsiteAddressTxt>WWW.NHSNB.ORG</WebsiteAddressTxt>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <FormationYr>1978</FormationYr>
      <LegalDomicileStateCd>CT</LegalDomicileStateCd>
      <ActivityOrMissionDesc>AFFORDABLE HOUSING, REHABILITATION SERVICES AND HOUSING COUNSELING</ActivityOrMissionDesc>
      <VotingMembersGoverningBodyCnt>8</VotingMembersGoverningBodyCnt>
      <VotingMembersIndependentCnt>8</VotingMembersIndependentCnt>
      <TotalEmployeeCnt>25</TotalEmployeeCnt>
      <TotalGrossUBIAmt>0</TotalGrossUBIAmt>
      <PYContributionsGrantsAmt>5533133</PYContributionsGrantsAmt>
      <CYContributionsGrantsAmt>2593731</CYContributionsGrantsAmt>
      <PYProgramServiceRevenueAmt>1096022</PYProgramServiceRevenueAmt>
      <CYProgramServiceRevenueAmt>1117830</CYProgramServiceRevenueAmt>
      <PYInvestmentIncomeAmt>21776</PYInvestmentIncomeAmt>
      <CYInvestmentIncomeAmt>2692</CYInvestmentIncomeAmt>
      <PYOtherRevenueAmt>-510570</PYOtherRevenueAmt>
      <CYOtherRevenueAmt>-58054</CYOtherRevenueAmt>
      <PYTotalRevenueAmt>6140361</PYTotalRevenueAmt>
      <CYTotalRevenueAmt>3656199</CYTotalRevenueAmt>
      <CYGrantsAndSimilarPaidAmt>0</CYGrantsAndSimilarPaidAmt>
      <CYBenefitsPaidToMembersAmt>0</CYBenefitsPaidToMembersAmt>
      <PYSalariesCompEmpBnftPaidAmt>1182603</PYSalariesCompEmpBnftPaidAmt>
      <CYSalariesCompEmpBnftPaidAmt>1346600</CYSalariesCompEmpBnftPaidAmt>
      <CYTotalProfFndrsngExpnsAmt>0</CYTotalProfFndrsngExpnsAmt>
      <CYTotalFundraisingExpenseAmt>38085</CYTotalFundraisingExpenseAmt>
      <PYOtherExpensesAmt>1124650</PYOtherExpensesAmt>
      <CYOtherExpensesAmt>1318052</CYOtherExpensesAmt>
      <PYTotalExpensesAmt>2307253</PYTotalExpensesAmt>
      <CYTotalExpensesAmt>2664652</CYTotalExpensesAmt>
      <PYRevenuesLessExpensesAmt>3833108</PYRevenuesLessExpensesAmt>
      <CYRevenuesLessExpensesAmt>991547</CYRevenuesLessExpensesAmt>
      <TotalAssetsBOYAmt>12965929</TotalAssetsBOYAmt>
      <TotalAssetsEOYAmt>13570883</TotalAssetsEOYAmt>
      <TotalLiabilitiesBOYAmt>5057451</TotalLiabilitiesBOYAmt>
      <TotalLiabilitiesEOYAmt>4670858</TotalLiabilitiesEOYAmt>
      <NetAssetsOrFundBalancesBOYAmt>7908478</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>8900025</NetAssetsOrFundBalancesEOYAmt>
      <InfoInScheduleOPartIIIInd>X</InfoInScheduleOPartIIIInd>
      <MissionDesc>THE CORPORATION IS ENGAGED IN ENCOURAGING THE COOPERATIVE EFFORTS OF NEIGHBORHOOD REPRESENTATIVES, GOVERNMENT AND PARTICIPATING LENDING INSTITUTIONS IN A COMBINED EFFORT TO STEM THE DECLINE AND DETERIORATION OF THE HOUSING WITHIN THE CITY OF NEW BRITAIN, CT</MissionDesc>
      <SignificantNewProgramSrvcInd>false</SignificantNewProgramSrvcInd>
      <SignificantChangeInd>false</SignificantChangeInd>
      <ExpenseAmt>150031</ExpenseAmt>
      <Desc>COMMUNITY BUILDING AND ENGAGEMENT - WORKING COLLABORATIVELY WITH NEW BRITAIN AREA NEIGHBORHOOD GROUPS TO PROVIDE TECHNICAL ASSISTANCE ADDRESSING COMMUNITY ISSUES AFFECTING THE WELL-BEING OF RESIDENTS.</Desc>
      <ProgSrvcAccomActy2Grp>
        <ExpenseAmt>272462</ExpenseAmt>
        <Desc>REAL ESTATE DEVELOPMENT - RENOVATION OF EXISTING STRUCTURES ENSURING NEIGHBORHOOD RENEWAL AND COMMUNITY REVITALIZATION; CONSTRUCTION OF NEW HOMES TARGETED TO HOME AFFORDABILITY FOR TARGET POPULATIONS.</Desc>
      </ProgSrvcAccomActy2Grp>
      <ProgSrvcAccomActy3Grp>
        <ExpenseAmt>451186</ExpenseAmt>
        <Desc>HOMEOWNERSHIP - FINANCIAL EMPOWERMENT THROUGH BOTH GROUP EDUCATION AND ONE-ON-ONE COACHING OF FINANCIAL PRINCIPLES AND BUDGETING AIMED AT HELPING INDIVIDUALS AND FAMILIES IMPROVE THEIR POSITION, BECOME HOMEOWNERS, AND/OR PROTECT THEIR HOME FROM FORECLOSURE.</Desc>
      </ProgSrvcAccomActy3Grp>
      <ProgSrvcAccomActyOtherGrp>
        <ExpenseAmt>1192196</ExpenseAmt>
        <Desc>ASSET MANAGEMENT - PROPERTY AND PORTFOLIO MANAGEMENT OF AFFORDABLE RENTAL HOUSING.</Desc>
      </ProgSrvcAccomActyOtherGrp>
      <TotalOtherProgSrvcExpenseAmt>1192196</TotalOtherProgSrvcExpenseAmt>
      <TotalProgramServiceExpensesAmt>2065875</TotalProgramServiceExpensesAmt>
      <DescribedInSection501c3Ind referenceDocumentId="RetDoc5">true</DescribedInSection501c3Ind>
      <ScheduleBRequiredInd referenceDocumentId="RetDoc1">true</ScheduleBRequiredInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>false</LobbyingActivitiesInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <DonorAdvisedFundInd referenceDocumentId="RetDoc3">false</DonorAdvisedFundInd>
      <ConservationEasementsInd referenceDocumentId="RetDoc3">false</ConservationEasementsInd>
      <CollectionsOfArtInd referenceDocumentId="RetDoc3">false</CollectionsOfArtInd>
      <CreditCounselingInd referenceDocumentId="RetDoc3">false</CreditCounselingInd>
      <DonorRstrOrQuasiEndowmentsInd referenceDocumentId="RetDoc3">false</DonorRstrOrQuasiEndowmentsInd>
      <ReportLandBuildingEquipmentInd referenceDocumentId="RetDoc3">true</ReportLandBuildingEquipmentInd>
      <ReportInvestmentsOtherSecInd referenceDocumentId="RetDoc3">false</ReportInvestmentsOtherSecInd>
      <ReportProgramRelatedInvstInd referenceDocumentId="RetDoc3">false</ReportProgramRelatedInvstInd>
      <ReportOtherAssetsInd referenceDocumentId="RetDoc3">false</ReportOtherAssetsInd>
      <ReportOtherLiabilitiesInd referenceDocumentId="RetDoc3">true</ReportOtherLiabilitiesInd>
      <IncludeFIN48FootnoteInd referenceDocumentId="RetDoc3">false</IncludeFIN48FootnoteInd>
      <IndependentAuditFinclStmtInd referenceDocumentId="RetDoc3">true</IndependentAuditFinclStmtInd>
      <ConsolidatedAuditFinclStmtInd referenceDocumentId="RetDoc3">false</ConsolidatedAuditFinclStmtInd>
      <SchoolOperatingInd>false</SchoolOperatingInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <ForeignActivitiesInd>false</ForeignActivitiesInd>
      <MoreThan5000KToOrgInd>false</MoreThan5000KToOrgInd>
      <MoreThan5000KToIndividualsInd>false</MoreThan5000KToIndividualsInd>
      <ProfessionalFundraisingInd>false</ProfessionalFundraisingInd>
      <FundraisingActivitiesInd>false</FundraisingActivitiesInd>
      <GamingActivitiesInd>false</GamingActivitiesInd>
      <OperateHospitalInd>false</OperateHospitalInd>
      <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
      <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
      <ScheduleJRequiredInd>false</ScheduleJRequiredInd>
      <TaxExemptBondsInd>false</TaxExemptBondsInd>
      <EngagedInExcessBenefitTransInd>false</EngagedInExcessBenefitTransInd>
      <PYExcessBenefitTransInd>false</PYExcessBenefitTransInd>
      <LoanOutstandingInd>false</LoanOutstandingInd>
      <GrantToRelatedPersonInd>false</GrantToRelatedPersonInd>
      <BusinessRlnWithOrgMemInd>false</BusinessRlnWithOrgMemInd>
      <BusinessRlnWithFamMemInd>false</BusinessRlnWithFamMemInd>
      <BusinessRlnWith35CtrlEntInd>false</BusinessRlnWith35CtrlEntInd>
      <DeductibleNonCashContriInd>false</DeductibleNonCashContriInd>
      <DeductibleArtContributionInd>false</DeductibleArtContributionInd>
      <TerminateOperationsInd>false</TerminateOperationsInd>
      <PartialLiquidationInd>false</PartialLiquidationInd>
      <DisregardedEntityInd>false</DisregardedEntityInd>
      <RelatedEntityInd>false</RelatedEntityInd>
      <RelatedOrganizationCtrlEntInd>false</RelatedOrganizationCtrlEntInd>
      <TrnsfrExmptNonChrtblRltdOrgInd>false</TrnsfrExmptNonChrtblRltdOrgInd>
      <ActivitiesConductedPrtshpInd>false</ActivitiesConductedPrtshpInd>
      <ScheduleORequiredInd>true</ScheduleORequiredInd>
      <IRPDocumentCnt>24</IRPDocumentCnt>
      <IRPDocumentW2GCnt>0</IRPDocumentW2GCnt>
      <EmployeeCnt>25</EmployeeCnt>
      <EmploymentTaxReturnsFiledInd>true</EmploymentTaxReturnsFiledInd>
      <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <TaxablePartyNotificationInd>false</TaxablePartyNotificationInd>
      <NondeductibleContributionsInd>false</NondeductibleContributionsInd>
      <QuidProQuoContributionsInd>false</QuidProQuoContributionsInd>
      <Form8282PropertyDisposedOfInd>false</Form8282PropertyDisposedOfInd>
      <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
      <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
      <Form8899Filedind>false</Form8899Filedind>
      <Form1098CFiledInd>false</Form1098CFiledInd>
      <IndoorTanningServicesInd>false</IndoorTanningServicesInd>
      <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      <SubjectToExcsTaxNetInvstIncInd>false</SubjectToExcsTaxNetInvstIncInd>
      <InfoInScheduleOPartVIInd>X</InfoInScheduleOPartVIInd>
      <GoverningBodyVotingMembersCnt>8</GoverningBodyVotingMembersCnt>
      <IndependentVotingMemberCnt>8</IndependentVotingMemberCnt>
      <FamilyOrBusinessRlnInd>false</FamilyOrBusinessRlnInd>
      <DelegationOfMgmtDutiesInd>false</DelegationOfMgmtDutiesInd>
      <ChangeToOrgDocumentsInd>false</ChangeToOrgDocumentsInd>
      <MaterialDiversionOrMisuseInd>false</MaterialDiversionOrMisuseInd>
      <MembersOrStockholdersInd>false</MembersOrStockholdersInd>
      <ElectionOfBoardMembersInd>false</ElectionOfBoardMembersInd>
      <DecisionsSubjectToApprovaInd>false</DecisionsSubjectToApprovaInd>
      <MinutesOfGoverningBodyInd>true</MinutesOfGoverningBodyInd>
      <MinutesOfCommitteesInd>true</MinutesOfCommitteesInd>
      <OfficerMailingAddressInd>false</OfficerMailingAddressInd>
      <LocalChaptersInd>false</LocalChaptersInd>
      <Form990ProvidedToGvrnBodyInd>false</Form990ProvidedToGvrnBodyInd>
      <ConflictOfInterestPolicyInd>true</ConflictOfInterestPolicyInd>
      <AnnualDisclosureCoveredPrsnInd>true</AnnualDisclosureCoveredPrsnInd>
      <RegularMonitoringEnfrcInd>true</RegularMonitoringEnfrcInd>
      <WhistleblowerPolicyInd>true</WhistleblowerPolicyInd>
      <DocumentRetentionPolicyInd>true</DocumentRetentionPolicyInd>
      <CompensationProcessCEOInd>true</CompensationProcessCEOInd>
      <CompensationProcessOtherInd>false</CompensationProcessOtherInd>
      <InvestmentInJointVentureInd>false</InvestmentInJointVentureInd>
      <StatesWhereCopyOfReturnIsFldCd>CT</StatesWhereCopyOfReturnIsFldCd>
      <UponRequestInd>X</UponRequestInd>
      <BooksInCareOfDetail>
        <PersonNm>CHRISTOPHER SANDERS</PersonNm>
        <PhoneNum>8602242433</PhoneNum>
        <USAddress>
          <AddressLine1Txt>223 BROAD STREET</AddressLine1Txt>
          <CityNm>NEW BRITAIN</CityNm>
          <StateAbbreviationCd>CT</StateAbbreviationCd>
          <ZIPCd>06053</ZIPCd>
        </USAddress>
      </BooksInCareOfDetail>
      <NoListedPersonsCompensatedInd>X</NoListedPersonsCompensatedInd>
      <Form990PartVIISectionAGrp>
        <PersonNm>BRIDGETT FEAGIN</PersonNm>
        <TitleTxt>TREASURER</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>BETH WESLEY GHILONI-WAGE</PersonNm>
        <TitleTxt>BOARD CHAIR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>HEIDI HOLT</PersonNm>
        <TitleTxt>SECRETARY</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>ARELIS LIVINGSTON</PersonNm>
        <TitleTxt>BOARD VICE C</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>TALAT SALAMA PHD PE</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>REVERAND JANE ROWE</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MANNY SANDOVAL</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>M KATE VAN VALKENBURG</PersonNm>
        <TitleTxt>DIRECTOR</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <GovernmentGrantsAmt>2438494</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>155237</AllOtherContributionsAmt>
      <TotalContributionsAmt>2593731</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>RENTAL INCOME</Desc>
        <TotalRevenueColumnAmt>640622</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>640622</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SERVICE FEES</Desc>
        <TotalRevenueColumnAmt>475295</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>475295</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE INT &amp; FEES</Desc>
        <TotalRevenueColumnAmt>1913</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1913</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>1117830</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>2692</TotalRevenueColumnAmt>
        <ExclusionAmt>2692</ExclusionAmt>
      </InvestmentIncomeGrp>
      <OtherRevenueMiscGrp>
        <Desc>ERC REVENUE</Desc>
        <TotalRevenueColumnAmt>394528</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>394528</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>MISC REVENUE</Desc>
        <TotalRevenueColumnAmt>3808</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>3808</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>LOSS ON SALE</Desc>
        <TotalRevenueColumnAmt>-456390</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>-456390</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>-58054</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>3656199</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1059776</RelatedOrExemptFuncIncomeAmt>
        <ExclusionAmt>2692</ExclusionAmt>
      </TotalRevenueGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>1129446</TotalAmt>
        <ProgramServicesAmt>856947</ProgramServicesAmt>
        <ManagementAndGeneralAmt>245105</ManagementAndGeneralAmt>
        <FundraisingAmt>27394</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>217154</TotalAmt>
        <ProgramServicesAmt>170147</ProgramServicesAmt>
        <ManagementAndGeneralAmt>38985</ManagementAndGeneralAmt>
        <FundraisingAmt>8022</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>96549</TotalAmt>
        <ProgramServicesAmt>6909</ProgramServicesAmt>
        <ManagementAndGeneralAmt>89497</ManagementAndGeneralAmt>
        <FundraisingAmt>143</FundraisingAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>50657</TotalAmt>
        <ProgramServicesAmt>37186</ProgramServicesAmt>
        <ManagementAndGeneralAmt>12701</ManagementAndGeneralAmt>
        <FundraisingAmt>770</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>13243</TotalAmt>
        <ProgramServicesAmt>13243</ProgramServicesAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>59252</TotalAmt>
        <ProgramServicesAmt>45007</ProgramServicesAmt>
        <ManagementAndGeneralAmt>13683</ManagementAndGeneralAmt>
        <FundraisingAmt>562</FundraisingAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>337417</TotalAmt>
        <ProgramServicesAmt>334709</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2396</ManagementAndGeneralAmt>
        <FundraisingAmt>312</FundraisingAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>19495</TotalAmt>
        <ProgramServicesAmt>15571</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3865</ManagementAndGeneralAmt>
        <FundraisingAmt>59</FundraisingAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>142241</TotalAmt>
        <ProgramServicesAmt>34541</ProgramServicesAmt>
        <ManagementAndGeneralAmt>107700</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>372826</TotalAmt>
        <ProgramServicesAmt>342290</ProgramServicesAmt>
        <ManagementAndGeneralAmt>30536</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>54122</TotalAmt>
        <ProgramServicesAmt>42567</ProgramServicesAmt>
        <ManagementAndGeneralAmt>11555</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>REPAIRS</Desc>
        <TotalAmt>83674</TotalAmt>
        <ProgramServicesAmt>83674</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>CLEANING / MAINTENANCE</Desc>
        <TotalAmt>27259</TotalAmt>
        <ProgramServicesAmt>27259</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>OFFICE EXPENSE</Desc>
        <TotalAmt>19216</TotalAmt>
        <ProgramServicesAmt>19216</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>CONTRACT LABOR</Desc>
        <TotalAmt>15747</TotalAmt>
        <ProgramServicesAmt>15747</ProgramServicesAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>26354</TotalAmt>
        <ProgramServicesAmt>20862</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4669</ManagementAndGeneralAmt>
        <FundraisingAmt>823</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>2664652</TotalAmt>
        <ProgramServicesAmt>2065875</ProgramServicesAmt>
        <ManagementAndGeneralAmt>560692</ManagementAndGeneralAmt>
        <FundraisingAmt>38085</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>998273</BOYAmt>
        <EOYAmt>610073</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>125000</BOYAmt>
        <EOYAmt>200000</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <AccountsReceivableGrp>
        <BOYAmt>503963</BOYAmt>
        <EOYAmt>249041</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>36150</BOYAmt>
        <EOYAmt>32905</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>752110</BOYAmt>
        <EOYAmt>330140</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>4188</BOYAmt>
        <EOYAmt>2381</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>15417470</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>3271127</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>10546245</BOYAmt>
        <EOYAmt>12146343</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <TotalAssetsGrp>
        <BOYAmt>12965929</BOYAmt>
        <EOYAmt>13570883</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>867525</BOYAmt>
        <EOYAmt>241877</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <BOYAmt>22957</BOYAmt>
        <EOYAmt>6190</EOYAmt>
      </DeferredRevenueGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>4166969</BOYAmt>
        <EOYAmt>4422791</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>5057451</BOYAmt>
        <EOYAmt>4670858</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>7423478</BOYAmt>
        <EOYAmt>8340025</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>485000</BOYAmt>
        <EOYAmt>560000</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>7908478</BOYAmt>
        <EOYAmt>8900025</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>12965929</BOYAmt>
        <EOYAmt>13570883</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>991547</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc5">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>1762374</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>869417</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>445894</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>5533133</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>2593731</CurrentTaxYearAmt>
        <TotalAmt>11204549</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>1762374</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>869417</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>445894</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>5533133</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>2593731</CurrentTaxYearAmt>
        <TotalAmt>11204549</TotalAmt>
      </TotalCalendarYear170Grp>
      <PublicSupportTotal170Amt>11204549</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>3762</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>16015</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>7482</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>21776</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>2692</CurrentTaxYearAmt>
        <TotalAmt>51727</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>11256276</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>3143321</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.99540</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.99470</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </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">
      <LandGrp>
        <InvestmentCostOrOtherBasisAmt>997794</InvestmentCostOrOtherBasisAmt>
        <BookValueAmt>997794</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <InvestmentCostOrOtherBasisAmt>14318311</InvestmentCostOrOtherBasisAmt>
        <DepreciationAmt>3271127</DepreciationAmt>
        <BookValueAmt>11047184</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <InvestmentCostOrOtherBasisAmt>101365</InvestmentCostOrOtherBasisAmt>
        <BookValueAmt>101365</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>12146343</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>MORTGAGES AND NOTES</Desc>
        <Amt>4002910</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>LINE OF CREDIT</Desc>
        <Amt>250000</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>FEDERAL REVOLVING LOAN</Desc>
        <Amt>94212</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>SECURITY DEPOSITS</Desc>
        <Amt>75669</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>4422791</TotalLiabilityAmt>
      <TotalRevEtcAuditedFinclStmtAmt>3656199</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>3656199</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>3656199</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>2664652</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>2664652</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>2664652</TotalExpensesPerForm990Amt>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc4">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CORPORATION IS ENGAGED IN ENCOURAGING THE COOPERATIVE EFFORTS OF NEIGHBORHOOD REPRESENTATIVES, GOVERNMENT AND PARTICIPATING LENDING INSTITUTIONS IN A COMBINED EFFORT TO STEM THE DECLINE AND DETERIORATION OF THE HOUSING WITHIN THE CITY OF NEW BRITAIN, CT</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>ASSET MANAGEMENT - PROPERTY AND PORTFOLIO MANAGEMENT OF AFFORDABLE RENTAL HOUSING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY REVIEWED BY THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY REVIEWED BY THE BOARD OF DIRECORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>COMPENSATION FOR THE EXECUTIVE DIRECTOR WAS DETERMINED AND IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS. THE BOARD CONSISTS OF INDIVIDUALS WITH STRONG BUSINESS EXPERIENCE AS WELL AS EXPERIENCE WITH OTHER NON-PROFITS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATIONS GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST AT ITS OFFICE.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>