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Homeownership San Francisco

EIN 26-4226218 · San Francisco, CA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair60 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

The Organization is a citywide collaborative of housing counseling agencies that helps diverse and underserved households achieve and sustain homeownership in San Francisco.

Income
$656,894
Spending
$771,848
Spent on programs
86%
Reserves
12.3 months of spending
Largest source of income
government grants, 76%
Employees
7
Volunteers
25
Highest pay
$148,092, executive dir.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 60 out of 100.

  • Reserves

    35 of 35

    Spendable reserves would cover 12.3 months of spending.

  • Debt

    10 of 20

    It owes 40% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 17% of income.

  • Income trend

    0 of 15

    Income fell 33% on the year before.

  • Spending floor

    15 of 15

    86% of spending went to programs and raising each dollar of donations cost 2 cents.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100.

  • Independent board

    25 of 25

    15 of 15 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (1)
  1. $660,933 spent. Homeownership San Francisco (HSF, or DBA Home SF) is a coalition of experienced, nonprofit housing agencies advancing housing equity and asset building opportunities for low-to-moderate income renters, homebuyers and homeowners. Home SF serves as a centralized resource hub, connecting underserved communities with financial education, housing services, and affordable housing opportunities in San Francisco. Founded in 2009, in response to the foreclosure crisis and the need for additional homeowner retention resources HSF has evolved to become San Francisco's lead agency for connecting San Francisco low and moderate income households with homebuyer education and counseling, post-purchase education, foreclosure prevention counseling and rental housing counseling services.Home SF partners with the Mayors Office of Housing and Community Development and the 5 HUD approved housing counseling agencies in San Francisco to offer the required homebuyer education and counseling certification for City homebuyer assistance programs. As a coordinating body, Home SF provides a platform for housing counselors to share their knowledge and experience, develop best practices, and access training opportunities. Home SF provides ongoing public outreach, content development, language support, and technical assistance. For San Francisco residents, Home SF's website serves as a one stop resource for affordable housing information, and features a calendar of Citywide workshops facilitated by Home SF member agencies and other housing service providers and provides referrals and information. Home SF has proudly hosted the San Francisco Housing Expo, the Bay Areas largest annual affordable housing resource fair and help center, a showcase of the Citys available programs and services for renters, homebuyers and current homeowners. We understand that affordable homeownership is vital to ensuring diverse, mixed-income communities and a high quality of life. Mobilizing a diverse coalition of service providers, Home SF helps to increase access to affordable homeownership opportunities, leverage the capacity nonprofit agencies, provide opportunities for training and skill sharing, and coordinate services. Home SF provides a centralized affordable housing information hub, and helps to insure uniform services and resource connections, so that low- and moderate-income people see homeownership in San Francisco as a viable option. During the fiscal year, Home SF coordinated workshops, presented by HUD approved housing counselors and other industry professionals, including: 58 San Francisco Homebuyer Program Orientations which were attended by more than 3,500 individuals, 69 HUD Approved First Time Homebuyer Workshops, attended by over 2,000 low to moderate income home buyers, 32 Financial Education Workshops, attended by over 500 individuals, 11 Post Purchase workshops, attended by approximately 300 new home owners, and 12 Rental Housing workshops and dozens of drop-in rental housing clinics, providing application assistance and education to hundreds of vulnerable community members seeking lower income housing opportunities. Together, Home SF and it's member agencies were proud to serve over 5,000 unique households in San Francisco with workshops in 4 different languages. helping to prevent displacement and assisting vulnerable communities to achieve long term housing stability. 87.5% of these households earn below HUD median income for the metro area.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending June 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since April 2009.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.