Nonprofit · EIN 94-3398998
COMMUNITY HOUSING CAPITAL INC
Tax-exempt · DECATUR, GA 30030
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $17,761,227 | $9,145,001 | $8,616,226 | $196,700,656 | $119,756,522 | $76,944,134 |
| September 30, 2024 | 990 | $14,258,650 | $9,006,938 | $5,251,712 | $202,947,630 | $135,383,788 | $67,563,842 |
| September 30, 2023 | 990 | $19,688,078 | $8,751,346 | $10,936,732 | $153,800,454 | $91,488,324 | $62,312,130 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $3,315,000
- of which government grants
- $800,000
- Program service revenue
- $13,864,160
- Investment income
- $581,079
- Other revenue
- $988
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $2,167,884
- Other salaries and wages
- $1,341,312
- Salaries, compensation and benefits (total)
- $4,000,851
- Professional fundraising fees
- $0
- Legal fees
- $40,811
- Accounting fees
- $107,742
- Occupancy
- $70,157
- Travel
- $167,424
- Depreciation
- $44,369
- Program services (functional)
- $7,140,168
- Management and general (functional)
- $1,537,125
- Fundraising (functional)
- $467,708
Balance sheet and other
- Total assets, start of year
- $202,947,630
- Total assets, end of year
- $196,700,656
- Total liabilities, end of year
- $119,756,522
- Net assets, end of year
- $76,944,134
- Land, buildings and equipment
- $962,607
- Net assets without donor restrictions
- $50,430,070
- Net assets with donor restrictions
- $26,514,064
- Gross receipts
- $17,761,227
- Employees
- 16
- Volunteers
- 16
- Year formed
- 2000
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CINDY HOLLER | CEO/PRESIDENT Officer | 35 | $295,276 | $178,862 |
| ARIF RIZVI | SVP/CHIEF FINANCIAL OFFICE Officer | 35 | $325,205 | $141,754 |
| DANA CHESTNUT | SVP/CHIEF LENDING OFFICER Officer | 35 | $301,393 | $139,711 |
| DEBRA TURNER | SVP/CHIEF LOAN ADMINIS Officer | 35 | $221,876 | $40,969 |
| ALVIN SAAFIR | SVP/CHIEF CREDIT OFFICER Officer | 35 | $231,263 | $27,071 |
| INGRID AVOTS | SENIOR LOAN OFFICER Highest-paid employee | 35 | $206,093 | $32,964 |
| JAN ADAMS | VP/CREDIT AMINISTRATION Highest-paid employee | 35 | $196,407 | $30,590 |
| DONYETTA EDWARDS | LOAN OFFICER Highest-paid employee | 35 | $165,954 | $30,530 |
| WENDY GILBERT | LOAN CLOSER Highest-paid employee | 35 | $124,349 | $23,422 |
| KEIANNA CLEMON | SENIOR LOAN ADMINISTRATOR Highest-paid employee | 35 | $120,115 | $21,640 |
| ALAN FERGUSON | Vice Chair Trustee or director, Officer | 1 | $0 | $0 |
| BRAIN ROBINSON | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JULIE PORTER | CHAIRWOMAN Trustee or director, Officer | 2 | $0 | $0 |
| BRUCE MARTIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHRIS KREHMEYER | Director Trustee or director | 1 | $0 | $0 |
10 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DARYL SHORE | DIRECTOR Trustee or director | 1 | $0 |
| DEBBIE KLEBAN | DIRECTOR Trustee or director | 1 | $0 |
| DEIDRE SCHMIDT | DIRECTOR Trustee or director | 1 | $0 |
| DORA GALLO | DIRECTOR Trustee or director | 1 | $0 |
| Joseph - Weisbord | DIRECTOR Trustee or director | 1 | $0 |
| KARA HAY | DIRECTOR Trustee or director | 1 | $0 |
| KENDRA SMITH | DIRECTOR Trustee or director | 1 | $0 |
| MARY WHITE VASYS | DIRECTOR Trustee or director | 1 | $0 |
| SEAN SPEAR | DIRECTOR Trustee or director | 1 | $0 |
| YOLANDA WINSTEAD | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended September 30, 2024: 28 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ARIF RIZVI | SVP/CHIEF FINANCIAL OFFICE Officer | 35 | $311,716 | $133,904 |
| CINDY HOLLER | CEO/PRESIDENT/DIRECTOR Officer | 35 | $294,762 | $132,902 |
| DANA CHESTNUT | SVP/CHIEF LENDING OFFICER Officer | 35 | $276,986 | $133,267 |
| DEBRA TURNER | SEC/SVP/CHIEF LOAN ADMINIS Officer | 35 | $204,486 | $50,454 |
| ALVIN SAAFIR | SVP/CHIEF CREDIT OFFICER Officer | 35 | $216,135 | $32,050 |
| INGRID AVOTS | SENIOR LOAN OFFICER Highest-paid employee | 35 | $196,233 | $31,346 |
| JAN ADAMS | VP/CREDIT AMINISTRATION Highest-paid employee | 35 | $178,431 | $30,420 |
| DONYETTA EDWARDS | LOAN OFFICER Highest-paid employee | 35 | $159,982 | $29,279 |
| WENDY GILBERT | LOAN CLOSER Highest-paid employee | 35 | $117,730 | $26,610 |
| KEIANNA CLEMON | SENIOR LOAN ADMINISTRATOR Highest-paid employee | 35 | $114,388 | $23,705 |
| CHRIS KREHMEYER | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| JULIE PORTER | VICE CHAIRWOMAN Trustee or director, Officer | 1 | $0 | $0 |
| BRIAN ROBINSON | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| PATRICIA GARCIA DUARTE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ALAN FERGUSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRUCE MARTIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DANA HANCHIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DARYL SHORE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DEIDRE SCHMIDT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| GREG WARREN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KARA HAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARY WHITE VASYS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SEAN SPEAR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TOM BLOOM | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DORA GALLO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DEBBIE KLEBAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| YOLANDA WINSTEAD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KENDRA SMITH | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended September 30, 2023: 25 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CINDY HOLLER | CEO/PRESIDENT/DIRECTOR Officer | 35 | $279,815 | $31,213 |
| ARIF RIZVI | SVP/CHIEF FINANCIAL OFFICER Officer | 35 | $267,619 | $37,187 |
| DANA CHESTNUT | SVP/CHIEF LENDING OFFICER Officer | 35 | $252,196 | $44,921 |
| DEBRA TURNER | SEC/SVP/CHIEF LOAN ADMINISTRATOR Officer | 35 | $192,196 | $42,522 |
| ALVIN SAAFIR | SVP/CHIEF CREDIT OFFICER Officer | 35 | $205,241 | $26,669 |
| INGRID AVOTS | SENIOR LOAN OFFICER Highest-paid employee | 35 | $175,859 | $26,933 |
| JAN ADAMS | VP/CREDIT AMINISTRATION Highest-paid employee | 35 | $168,634 | $26,483 |
| DONYETTA EDWARDS | LOAN OFFICER Highest-paid employee | 35 | $153,838 | $22,710 |
| WENDY GILBERT | LOAN CLOSER Highest-paid employee | 35 | $111,963 | $18,034 |
| KEIANNA CLEMON | SENIOR LOAN ADMINISTRATOR Highest-paid employee | 35 | $107,515 | $15,613 |
| CHRIS KREHMEYER | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| JULIE PORTER | VICE CHAIRWOMAN Trustee or director, Officer | 1 | $0 | $0 |
| BRIAN ROBINSON | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| PATRICIA GARCIA DUARTE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ALAN FERGUSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRUCE MARTIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DANA HANCHIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DARYL SHORE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DEIDRE SCHMIDT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| GREG WARREN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KARA HAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARY WHITE VASYS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SEAN SPEAR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TOM BLOOM | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DORA GALLO | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 402 E HOWARD AVE, DECATUR, GA 30030-1901
- Principal officer (990 for 2024)
- Cindy Holler, 402 E Howard Avenue, Decatur, GA 30030
- Signed the 990
- Cindy Holler, President & CEO
- Phone
- (404) 373-5662
- Return prepared by
- Mauldin & Jenkins LLC
Mission
COMMUNITY HOUSING CAPTIAL'S MISSION IS TO EXPAND THE AVAILABLITY OF QUALITY AFFORDABLE HOUSING BY PROVIDING RELIABLE, INNOVATIVE AND RESPONSIVE LOAN PODUCTS AND SUSTAINABLE LOAN CAPITAL TO THE NEIGBORWORKS NETWORK.
Program accomplishments
- COMMUNITY HOUSING CAPITAL PROVIDES MORTGAGE LENDING FOR MULTIFAMILY AND SINGLE FAMILY DEVELOPMENT, INTERIM ACQUISTION & DEVELOPMENT AFFORDABLE HOUSING PROJECTS SPONSORED BY NEIGHBORWORKS NETWORK ENTITIES. FOR THE FISCAL YEAR ENDED 9/30/2024. COMMUNITY HOUSING CAPITAL DIRECTLY ORIGINATED $97.28 MILLION IN NEW LOANS WHICH FACILITATED AN ADDITIONAL $199.25 MILLION IN DEVELOPMENT AND CREATED OR REHABILITATED 978 HOUSING UNITS.Expenses $7,140,168 · revenue $13,864,160
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 16, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 17, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 18, 2025 | 990 on file |
IRS record
- EIN
- 94-3398998
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2002
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Housing and shelter (L12)
- Assets (IRS master file)
- $196,700,656
- Income (IRS master file)
- $17,761,227
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $17,761,227 | $9,145,001 | $196,700,656 | XML |
| 990 | September 2024 | $14,258,650 | $9,006,938 | $202,947,630 | XML |
| 990 | September 2023 | $19,688,078 | $8,751,346 | $153,800,454 | XML |
| 990 | September 2022 | $11,518,951 | $6,889,588 | $142,652,504 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-3398998).
Questions about COMMUNITY HOUSING CAPITAL INC
- What is the EIN of COMMUNITY HOUSING CAPITAL INC?
- The employer identification number (EIN) of COMMUNITY HOUSING CAPITAL INC is 94-3398998.
- Is COMMUNITY HOUSING CAPITAL INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2002.
- Are donations to COMMUNITY HOUSING CAPITAL INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does COMMUNITY HOUSING CAPITAL INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of COMMUNITY HOUSING CAPITAL INC due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 16, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did COMMUNITY HOUSING CAPITAL INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of COMMUNITY HOUSING CAPITAL INC?
- The 990 for the year ended September 30, 2025 names Cindy Holler.
- Who are the officers and directors of COMMUNITY HOUSING CAPITAL INC?
- The 990 for the year ended September 30, 2025 lists 25 people; 10 received compensation from the organization, the highest $295,276 (CINDY HOLLER, CEO/PRESIDENT).
- How much revenue does COMMUNITY HOUSING CAPITAL INC have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $17,761,227, expenses of $9,145,001 and total assets of $196,700,656 at year end.
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