South Suburban Housing Center
Public records show a registered, tax-exempt organization in good standing.
What it says it does
THE ORGANIZATION'S MISSION IS TO PROMOTE AND FOSTER LONG-TERM DIVERSITY BY WORKING TO ELIMINATE ALL FORMS OF DISCRIMINATION AND EXPLOITATION IN THE HOUSING MARKET.
- Income
- $1.3 million
- Spending
- $1.3 million
- Spent on programs
- 96%
- Reserves
- 17.9 months of spending
- Largest source of income
- government grants, 66%
- Employees
- 11
- Volunteers
- 49
- Highest pay
- $123,024, executive di
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
Strong: 93 out of 100.
Reserves
35 of 35Spendable reserves would cover 17.9 months of spending.
Debt
20 of 20It owes 5% of what it owns.
Living within its means
8 of 15Spending exceeded income by 1% of income.
Income trend
15 of 15Income rose 29% on the year before.
Spending floor
15 of 1596% of spending went to programs and raising each dollar of donations cost 1 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: 100 out of 100.
Independent board
25 of 259 of 9 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
10 of 10Reports no diversion of assets, excess benefits or 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 (3)
- $588,461 spent. COMPREHENSIVE FAIR HOUSING ENFORCEMENT PROGRAM: THESE ACTIVITIES ARE SUBSTANTIALLY FUNDED BY TWO TYPES OF FEDERAL HUD ADMINISTERED FAIR HOUSING INITIATIVES PROGRAM (FHIP) COMPONENT GRANTS, PRIVATE ENFORCEMENT INITIATIVE (PEI) AND EDUCATION AND OUTREACH INITIATIVE (EOI). THE PEI GRANT PROJECT ENCOMPASSED THE FOLLOWING ACTIVITIES: COMPLAINT INTAKE AND INVESTIGATION; FORMAL COMPLAINT PROCESSING AND FILING; INFORMAL DISPUTE RESOLUTION, FAIR HOUSING ADVOCACY FOR DISTRESSED PROTECTED CLASS FAMILIES; FAIR HOUSING STABILITY ASSISTANCE FOR INCOME DISRUPTED ECONOMICALLY AFFECTED FAMILIES, AND SOME EDUCATION, OUTREACH, AND TRAINING ACTIVITIES. FOR PROGRAM YEAR 2025, THE ORGANIZATION PROCESSED 211 COMPLAINT INTAKES, CONDUCTED 110 TEST PART INVESTIGATIONS IN 30 COMMUNITIES; CONTINUED TO LITIGATE 2 FORMAL FEDERAL COURT ACTIONS AND FILED 5 NEW ADMINISTRATIVE COMPLAINTS ALLEGING VIOLATIONS OF THE FEDERAL, STATE OR LOCAL FAIR HOUSING LAWS; PROVIDED FAIR HOUSING STABILITY ASSISTANCE TO 92 INCOME DISTRESSED RENTERS AND HOMEOWNERS, SUCCESSFULLY RESOLVED 9 ENFORCEMENT ACTIONS AND FORMED PARTNERSHIPS WITH 16 LOCAL/NATIONAL ORGANIZATIONS AND GOVERNMENTS BODIES TO ACHIEVE THESE ACCOMPLISHMENTS. THE EDUCATION AND OUTREACH PROGRAM (EOI) ACCOMPLISHMENTS INCLUDE: CONDUCTING 5 LARGE GROUP VIRTUAL FAIR HOUSING/LENDING WORKSHOP SESSIONS ATTENDED BY 234 INDIVIDUALS; MASS SOCIAL MEDIA DISTRIBUTION OF FAIR HOUSING/LENDING AND HOUSING ASSISTANCE INFORMATION TO 267,478 USERS; 141,900 USERS REACHED WITH FAIR HOUSING/LENDING INFORMATION BY E-BLASTS AND NEWSLETTERS SENT BY MAILCHIMP; ATTRACTING 61,709 FAIR HOUSING OR LENDING INFORMATION VISITS TO OUR WEBSITE; AND IMPLEMENTING AN OUTDOOR MULTI-MEDIA INTERSTATE BILLBOARD AND MASS TRANSIT BUS FAIR HOUSING ADVERTISEMENT CAMPAIGN CREATING 7,533,134 COMMUTER AD IMPRESSIONS. COMPREHENSIVE FAIR HOUSING ENFORCEMENT PROGRAM: THESE ACTIVITIES ARE SUBSTANTIALLY FUNDED BY TWO TYPES OF FEDERAL HUD ADMINISTERED FAIR HOUSING INITIATIVES PROGRAM (FHIP) COMPONENT GRANTS, PRIVATE ENFORCEMENT INITIATIVE (PEI) AND EDUCATION AND OUTREACH INITIATIVE (EOI). THE PEI GRANT PROJECT ENCOMPASSED THE FOLLOWING ACTIVITIES: COMPLAINT INTAKE AND INVESTIGATION; FORMAL COMPLAINT PROCESSING AND FILING; INFORMAL DISPUTE RESOLUTION, FAIR HOUSING ADVOCACY FOR DISTRESSED PROTECTED CLASS FAMILIES; FAIR HOUSING STABILITY ASSISTANCE FOR INCOME DISRUPTED ECONOMICALLY AFFECTED FAMILIES, AND SOME EDUCATION, OUTREACH, AND TRAINING ACTIVITIES. FOR PROGRAM YEAR 2025, THE ORGANIZATION PROCESSED 211 COMPLAINT INTAKES, CONDUCTED 110 TEST PART INVESTIGATIONS IN 30 COMMUNITIES; CONTINUED TO LITIGATE 2 FORMAL FEDERAL COURT ACTIONS AND FILED 5 NEW ADMINISTRATIVE COMPLAINTS ALLEGING VIOLATIONS OF THE FEDERAL, STATE OR LOCAL FAIR HOUSING LAWS; PROVIDED FAIR HOUSING STABILITY ASSISTANCE TO 92 INCOME DISTRESSED RENTERS AND HOMEOWNERS, SUCCESSFULLY RESOLVED 9 ENFORCEMENT ACTIONS AND FORMED PARTNERSHIPS WITH 16 LOCAL/NATIONAL ORGANIZATIONS AND GOVERNMENTS BODIES TO ACHIEVE THESE ACCOMPLISHMENTS. THE EDUCATION AND OUTREACH PROGRAM (EOI) ACCOMPLISHMENTS INCLUDE: CONDUCTING 5 LARGE GROUP VIRTUAL FAIR HOUSING/LENDING WORKSHOP SESSIONS ATTENDED BY 234 INDIVIDUALS; MASS SOCIAL MEDIA DISTRIBUTION OF FAIR HOUSING/LENDING AND HOUSING ASSISTANCE INFORMATION TO 267,478 USERS; 141,900 USERS REACHED WITH FAIR HOUSING/LENDING INFORMATION BY E-BLASTS AND NEWSLETTERS SENT BY MAILCHIMP; ATTRACTING 61,709 FAIR HOUSING OR LENDING INFORMATION VISITS TO OUR WEBSITE; AND IMPLEMENTING AN OUTDOOR MULTI-MEDIA INTERSTATE BILLBOARD AND MASS TRANSIT BUS FAIR HOUSING ADVERTISEMENT CAMPAIGN CREATING 7,533,134 COMMUTER AD IMPRESSIONS.
- $512,842 spent. HOUSING COUNSELING PROGRAM: PRIMARILY FUNDED BY MULTIPLE SMALL DOLLAR GRANTS AND FUNDRAISING ACTIVITIES. INCLUDES THE PROVISION OF THE FOLLOWING COMPREHENSIVE HUD-CERTIFIED HOUSING COUNSELING ACTIVITIES: INDIVIDUAL ONE- ON-ONE PRE- AND POST-PURCHASE HOMEOWNERSHIP COUNSELING; AND MORTGAGE DELINQUENCY AND FORECLOSURE COUNSELING; AS WELL AS GROUP COUNSELING ACTIVITIES INCLUDING WORKSHOPS FOR HOME BUYING, POST-PURCHASE, FINANCIAL LITERACY, FORECLOSURE ASSISTANCE AND MORTGAGE FRAUD AWARENESS. FOR FISCAL YEAR 2025, ONE-ONE-ONE COUNSELING SERVICES WERE PROVIDED TO 352 INDIVIDUALS AND FAMILIES, OF WHICH 118 WERE FACING FORECLOSURE, 4 OBTAINED POST- PURCHASE COUNSELING AND 230 SEEKING TO PURCHASE A HOME, RESULTING IN 105 NEW HOMEOWNERS AND 31 HOMES SAVED THROUGH MORTGAGE MODIFICATIONS. RENTAL REFERRAL AND HOMELESS ASSISTANCE RESOURCES WERE PROVIDED TO AN ADDITIONAL 566 INDIVIDUALS. OVER 349 INDIVIDUALS ATTENDED 25 HUD-APPROVED WORKSHOPS AND WEBINARS. OUR ANNUAL HOUSING RESOURCE FAIR WAS SUPPORTED BY 30 UNIQUE VENDORS AND PROVIDED RESOURCES TO OVER 118 FAMILIES. IN ADDITION TO THE INDIVIDUAL COUNSELING SERVICES PROVIDED, WE SERVED AS A PARTNER AGENCY FOR THE COOK COUNTY BUREAU OF ECONOMIC DEVELOPMENT'S HOMEOWNER RELIEF FUND PROGRAM (HRF), WHICH RAN FROM OCTOBER THROUGH NOVEMBER 2025. WE DIRECTLY ASSISTED 174 CLIENTS ON-SITE AND AN ADDITIONAL 334 VIA THE TELEPHONE FOR A TOTAL OF 508 CLIENTS ASSISTED WITH APPLYING FOR THESE PROPERTY TAX ASSISTANCE GRANTS. THE GENERAL CHARACTERISTICS OF THE CLIENTS WE SERVED, PER OUR FY25 HUD- 9902, ARE 84% RACIAL MINORITY AND 86% BELOW THE 80% AREA MEDIAN INCOME (AMI) THRESHOLD. HOUSING COUNSELING PROGRAM: PRIMARILY FUNDED BY MULTIPLE SMALL DOLLAR GRANTS AND FUNDRAISING ACTIVITIES. INCLUDES THE PROVISION OF THE FOLLOWING COMPREHENSIVE HUD-CERTIFIED HOUSING COUNSELING ACTIVITIES: INDIVIDUAL ONE- ON-ONE PRE- AND POST-PURCHASE HOMEOWNERSHIP COUNSELING; AND MORTGAGE DELINQUENCY AND FORECLOSURE COUNSELING; AS WELL AS GROUP COUNSELING ACTIVITIES INCLUDING WORKSHOPS FOR HOME BUYING, POST-PURCHASE, FINANCIAL LITERACY, FORECLOSURE ASSISTANCE AND MORTGAGE FRAUD AWARENESS. FOR FISCAL YEAR 2025, ONE-ONE-ONE COUNSELING SERVICES WERE PROVIDED TO 352 INDIVIDUALS AND FAMILIES, OF WHICH 118 WERE FACING FORECLOSURE, 4 OBTAINED POST- PURCHASE COUNSELING AND 230 SEEKING TO PURCHASE A HOME, RESULTING IN 105 NEW HOMEOWNERS AND 31 HOMES SAVED THROUGH MORTGAGE MODIFICATIONS. RENTAL REFERRAL AND HOMELESS ASSISTANCE RESOURCES WERE PROVIDED TO AN ADDITIONAL 566 INDIVIDUALS. OVER 349 INDIVIDUALS ATTENDED 25 HUD-APPROVED WORKSHOPS AND WEBINARS. OUR ANNUAL HOUSING RESOURCE FAIR WAS SUPPORTED BY 30 UNIQUE VENDORS AND PROVIDED RESOURCES TO OVER 118 FAMILIES. IN ADDITION TO THE INDIVIDUAL COUNSELING SERVICES PROVIDED, WE SERVED AS A PARTNER AGENCY FOR THE COOK COUNTY BUREAU OF ECONOMIC DEVELOPMENT'S HOMEOWNER RELIEF FUND PROGRAM (HRF), WHICH RAN FROM OCTOBER THROUGH NOVEMBER 2025. WE DIRECTLY ASSISTED 174 CLIENTS ON-SITE AND AN ADDITIONAL 334 VIA THE TELEPHONE FOR A TOTAL OF 508 CLIENTS ASSISTED WITH APPLYING FOR THESE PROPERTY TAX ASSISTANCE GRANTS. THE GENERAL CHARACTERISTICS OF THE CLIENTS WE SERVED, PER OUR FY25 HUD- 9902, ARE 84% RACIAL MINORITY AND 86% BELOW THE 80% AREA MEDIAN INCOME (AMI) THRESHOLD.
- $133,482 spent. INCLUSIVE COMMUNITY GRANT PROGRAM: INITIALLY FUNDED BY A 2013 CONCILIATION AGREEMENT, THIS PROGRAM PROVIDED ONE HUNDRED TWENTY-EIGHT (128) DOWN PAYMENT GRANTS, FIFTY-FIVE (55) MORTGAGE DISTRESS ASSISTANCE GRANTS ALLOWING THE GRANT RECIPIENT TO AVOID LOSING THEIR HOME TO FORECLOSURE OR PROPERTY TAX SALE, AND SEVEN (7) RENTAL HOUSING ASSISTANCE GRANTS TOTALING OVER 1.2 MILLION THROUGH 2024. THE DOWN PAYMENT ASSISTANCE COMPONENT OF OUR ICF PROGRAM WAS REVITALIZED BY THE LANDMARK 2022 FANNIE MAE SETTLEMENT, ALLOWING US TO REPLENISH THE PROGRAM WITH 1,208,000. THE PROGRAM PROVIDES UP TO 15,000 IN DOWN PAYMENT ASSISTANCE AS A FIVE-YEAR FORGIVABLE GRANT. THE SOUTH SUBURBAN CHICAGO PHASED CLOSED IN 2023 WITH 605,250 IN GRANT ASSISTANCE PROVIDED. THE NORTHWEST INDIANA PHASE OF THE DOWN PAYMENT ASSISTANCE GRANT PROGRAM LAUNCHED IN GARY, IN. IN 2024. EIGHT (8) GRANTS WERE AWARDED TO BUYERS TOTALING 75,000 IN 2025. TO DATE, THIS PHASE OF THE PROGRAM HAS GENERATED 11,452,549 IN REAL ESTATE SALES TRANSACTIONS, WHICH IN TURN FACILITATED 7,665,000 IN LOCAL ECONOMIC IMPACT. IN ADDITION TO OUR ICF PROGRAM, A MEMORANDUM OF UNDERSTANDING WAS ESTABLISHED WITH THE VILLAGE OF HAZEL CREST IN DECEMBER 2024, TO ADMINISTER A TARGETED DPA PROGRAM WITH GRANT RESOURCES TOTALING 170,000 PROVIDED TO THE VILLAGE OF HAZEL CREST BY FEDERAL AMERICAN RESCUE PLAN ACT (ARPA) FUNDS, ALLOCATED FOR THE BENEFIT OF ENHANCING HOMEBUYING OF OWNER-OCCUPIED, SINGLE-FAMILY HOMES WITHIN THE MUNICIPAL BOUNDARIES OF THE VILLAGE OF HAZEL CREST. FIVE (5) GRANTS WERE AWARDED TO BUYERS TOTALING 30,000. INCLUSIVE COMMUNITY GRANT PROGRAM: INITIALLY FUNDED BY A 2013 CONCILIATION AGREEMENT, THIS PROGRAM PROVIDED ONE HUNDRED TWENTY-EIGHT (128) DOWN PAYMENT GRANTS, FIFTY-FIVE (55) MORTGAGE DISTRESS ASSISTANCE GRANTS ALLOWING THE GRANT RECIPIENT TO AVOID LOSING THEIR HOME TO FORECLOSURE OR PROPERTY TAX SALE, AND SEVEN (7) RENTAL HOUSING ASSISTANCE GRANTS TOTALING OVER 1.2 MILLION THROUGH 2024. THE DOWN PAYMENT ASSISTANCE COMPONENT OF OUR ICF PROGRAM WAS REVITALIZED BY THE LANDMARK 2022 FANNIE MAE SETTLEMENT, ALLOWING US TO REPLENISH THE PROGRAM WITH 1,208,000. THE PROGRAM PROVIDES UP TO 15,000 IN DOWN PAYMENT ASSISTANCE AS A FIVE-YEAR FORGIVABLE GRANT. THE SOUTH SUBURBAN CHICAGO PHASED CLOSED IN 2023 WITH 605,250 IN GRANT ASSISTANCE PROVIDED. THE NORTHWEST INDIANA PHASE OF THE DOWN PAYMENT ASSISTANCE GRANT PROGRAM LAUNCHED IN GARY, IN. IN 2024. EIGHT (8) GRANTS WERE AWARDED TO BUYERS TOTALING 75,000 IN 2025. TO DATE, THIS PHASE OF THE PROGRAM HAS GENERATED 11,452,549 IN REAL ESTATE SALES TRANSACTIONS, WHICH IN TURN FACILITATED 7,665,000 IN LOCAL ECONOMIC IMPACT. IN ADDITION TO OUR ICF PROGRAM, A MEMORANDUM OF UNDERSTANDING WAS ESTABLISHED WITH THE VILLAGE OF HAZEL CREST IN DECEMBER 2024, TO ADMINISTER A TARGETED DPA PROGRAM WITH GRANT RESOURCES TOTALING 170,000 PROVIDED TO THE VILLAGE OF HAZEL CREST BY FEDERAL AMERICAN RESCUE PLAN ACT (ARPA) FUNDS, ALLOCATED FOR THE BENEFIT OF ENHANCING HOMEBUYING OF OWNER-OCCUPIED, SINGLE-FAMILY HOMES WITHIN THE MUNICIPAL BOUNDARIES OF THE VILLAGE OF HAZEL CREST. FIVE (5) GRANTS WERE AWARDED TO BUYERS TOTALING 30,000.
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 November 6, 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 1975.
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 November 4, 2026.
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