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Hawaii Homeownership Center

EIN 68-0544935 · Honolulu, HI

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

LegitimacyPassesRegistration and standingFinancial healthStrong100 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

CREATE SUCCESSFUL HOMEOWNERS BY PROVIDING CLASSES AND HOMEOWNERSHIP COACHING TO PREPARE FOR THE PURCHASE PROCESS AND HAVE ACCESS TO BUYER RESOURCES. POST-PURCHASE SUPPORT IS AVALIABLE TO HAVE A RESOURCE TO ADDRESS CONCERS AS A HOMEOWNER. THOSE SERVED INCLUDE LOW-MODERATE INCOME INDIVIDUALS & FAMILIES.

Income
$989,349
Spending
$891,352
Spent on programs
75%
Reserves
30.9 months of spending
Largest source of income
donations and private grants, 86%
Employees
6
Volunteers
111
Highest pay
$114,154, executive director

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Strong: 100 out of 100. Higher than 94% of charities in its peer group (housing, $250k to $1m).

  • Reserves

    35 of 35

    Spendable reserves would cover 30.9 months of spending.

  • Debt

    20 of 20

    It owes 6% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 10% of income.

  • Income trend

    15 of 15

    Income rose 0% on the year before.

  • Spending floor

    15 of 15

    75% of spending went to programs and raising each dollar of donations cost 8 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 88% of charities in its peer group (housing, $250k to $1m).

  • Independent board

    25 of 25

    19 of 19 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 December 31, 2024, 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. $669,665 spent. TO PROVIDE INFORMATION, EDUCATION, AND SUPPORT TO LOW TO MODERATE INCOME PERSONS AND FAMILIES IN ORDER TO CREATE SUCCESSFUL FIRST-TIME HOME OWNERS IN THE STATE. CLASSES, HOMEOWNERSHIP COACHING, AND POST-PURCHASE SERVICES ARE PROVIDED TO FULFILL THIS MISSION.FORECLOSURE PREVENTION AND RENTAL COUNSELING WAS AVAILABLE FOR DISTRESSED OWNERS AND RENTERS TO DISCUSS THEIR HOUSING CONCERNS. COUNSELING SESSIONS FOCUSED ON HOME RETENTION UNLESS OTHERWISE SPECIFIED BY THE CLIENT. HHOC CONTINUED ITS MODIFIED VERSION OF THE PROGRAM PROPOSED TO ALOHA UNITED WAY TO SUPPORT DEVELOPING FINANCIAL LITERACY SKILLS IN THE ALICE (ASSET LIMITED, INCOME CONSTRAINED, EMPLOYED) POPULATION. THE FINANCIAL CAPABILITIES PILOT PROGRAM TESTED WHAT WE THOUGHT COULD BE A SCALABLE PROGRAM MODEL OF INSTILLING POSITIVE FINANCIAL HABITS IN THE POPULATION THAT WAS 80% OR BELOW THE AREA MEDIAN INCOME. WE PROVIDED AN ONLINE MONEY MANAGEMENT WORKSHOP AND A FINANCIAL INCENTIVE (UP TO $350 SAVINGS MATCH) TO REWARD THOSE WHO SAVED AND SUBMITTED A BUDGET FOR 6 CONSECUTIVE MONTHS. THE PROGRAM WAS EXPANDED TO HSTA MEMBERS THROUGH SUPPORT FROM NAREIT HAWAII RECEIVED IN 2020.

Source: Form 990 for the year ending December 31, 2024, 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 December 2024.

    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 September 2003.

    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.