USA Homeownership Foundation Inc
Public records show a registered, tax-exempt organization in good standing.
Points to look into
- It reported loans to or from officers, directors or other insiders.
These come from the organization's own tax return. There may be a good explanation; ask the charity.
What it says it does
To improve the lives of service members and veterans through education, housing, and philanthropy.
- Income
- $4.5 million
- Spending
- $5.6 million
- Spent on programs
- 80%
- Reserves
- 0.7 months of spending
- Largest source of income
- donations and private grants, 59%
- Employees
- 22
- Volunteers
- 300
- Highest pay
- $29,165, secretary
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Weak: 26 out of 100. Higher than 2% of charities in its peer group (human services, $1m to $10m).
Reserves
4 of 35Spendable reserves would cover 0.7 months of spending.
Debt
2 of 20It owes 82% of what it owns.
Living within its means
0 of 15Spending exceeded income by 23% of income.
Income trend
5 of 15Income fell 17% on the year before.
Spending floor
15 of 1580% of spending went to programs and raising each dollar of donations cost 8 cents.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 90 out of 100. Higher than 48% of charities in its peer group (human services, $1m to $10m).
Independent board
25 of 255 of 5 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
0 of 10Reports at least one of: diversion of assets, excess benefits, loans to insiders.
Source: Form 990 for the year ending December 31, 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 (7)
- $2.6 million spent. The organization developed and rehabilitated homes and sold at a discounted purchase price to active duty military and veterans. In addition, the organization paid the escrow fees and other expenses during the rehabilitation period.
- $1.1 million spent. The organization rehabilitated 2 properties and donated them mortgage free to a veteran.
- $528,551 spent. Planned and sponsored a policy conference and a national conference, in addition to other events. Through the conferences educational information, awareness and training was provided to real estate professionals, active military and veterans about the resources available to facilitate home ownership, including the VA home loan program.
- $160,116 spent. The organization provided mortgage loans to veterans
- $75,524 spent. The organization's HUD approved counseling program provided financial and homeownership mentoring and counseling to veterans. In addition, the HELP program provided information to veterans and active duty military about home ownership opportunities and the VA loan program.
- $7,405 spent. Provided information and education to real estate professionals about VA loans and home ownership opportunities.
- The Organization set up a new entity; VETCARES INC to be responsible for all the philanthropic activities of the Group such as SDP, Campcares and individual awards
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
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.
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.
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.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since November 2012.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
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.