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Love Chatham

EIN 86-1481922 · Siler City, NC

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

LegitimacyPassesRegistration and standingFinancial healthWeak25 out of 100GovernanceGood88 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

Love Chatham is a 501(c)3 non-profit organization established to help with homelessness in the Chatham County area. It will be a common banner under which the churches, individuals, and businesses can work together, specifically to centralize the many talents and resources available and put them into action to alleviate homelessness and other needs. Our first focus will be homelessness, but we hope to continue the work of charity and healing in the future by joining, connecting with, or establishing help for hunger, clothing, healthcare, financial planning, and spiritual counseling.

Income
$234,191
Spending
$280,819
Spent on programs
94%
Reserves
-4.6 months of spending
Largest source of income
donations and private grants, 77%
Employees
2
Volunteers
55
Highest pay
$46,042, executive dir.

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: 25 out of 100. Higher than 7% of charities in its peer group (human services, under $250k).

  • Reserves

    0 of 35

    Spendable reserves are negative: it owes or has committed more than it holds.

  • Debt

    5 of 20

    It owes 61% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 20% of income.

  • Income trend

    5 of 15

    Income fell 11% on the year before.

  • Spending floor

    15 of 15

    94% of spending went to programs and raising each dollar of donations cost 0 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

Good: 88 out of 100. Higher than 80% of charities in its peer group (human services, under $250k).

  • Independent board

    25 of 25

    5 of 5 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

    0 of 5

    Reports that it does not keep 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

    0 of 5

    Reports no independent review process for its chief executive's pay.

  • 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, 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 (6)
  1. $103,366 spent. Transitional Housing: This program provides additional support for community members that are stabilizing and seeking permanent housing. This program offers more thorough casework and resources, and promotes the interests of the community member by using a housing first model as the appropriate starting point for stability. The House Manager regularly provides updates to community partners as well as a monthly summary of progress and casework. This program has some significant momentum and the path forward for more housing is being created through this program. Our first house that was setup and established at the end of 2023 is a women's transitional housing program also known a "Our House". Love Chatham is considering opportunities to expand its services through the program and developing additional capacity to serve by developing programs under this umbrella that will serve men and/or family units.
  2. $83,516 spent. Hotel Ministry: The hotel ministry assists community members by providing initial shelter for someone who is experiencing homelessness. The ministry then works within the network of service providers and with other community members to find support and resources. Love Chatham also provides food to clients that are living in a hotel room along with other supportive services.
  3. $44,528 spent. Emergency Client Assistance: Love Chatham provides other, miscellaneous, emergency assistance when resources are available. There are many ways in which these resources may be utilized. For example, clients have been provided with much needed car repairs, gas in their vehicle, moving expenses and other ways in which Love Chatham can assist a client in need during a vulnerable time.
  4. $17,998 spent. Rental/Utility Assistance: Love Chatham seeks to provide some direct monetary resources, when available, when clients have a need that is unmet by other area programs or in collaboration with other programs. Love Chatham qualifies for the Emergency Housing Funds through Chatham County (EHF) and at times will be able to work with clients to meet even more needs through this available path of funding. The majority of our emergency resources are focused on emergency housing needs and the rental/utility assistance is preventative in nature. We can often prevent homelessness by intervening with direct resources to alleviate a challenge being experienced financially.
  5. $8,570 spent. Furniture Ministry/Moving Assistance: We accept donations of new or used furniture and various household items to furnish new housing opportunities for clients in transition. These are redistributed to community members who have no furniture and are transitioning from homelessness. We also partner with social workers within the Chatham County school system and identify school aged students whose family may have furniture related needs, especially beds. Love Chatham has provided furniture to 179 families and individuals since the inception of this program. We have a box truck that was donated to our program that we're able to use to go get furniture and drop it off of our clients.
  6. $5,564 spent. Food Pantry: Distribution occurs on the first and third Saturday of each month from 10 am to 12 pm at Freedom Family Church. The registration process is simple and low/no barrier - only basic information is collected and is all self reported. We partner with CORA and are a satellite site for their program. By following the intake process that CORA uses, we ensure access to those needing food resources. Mountaire provides Love Chatham with chicken to distribute. We also receive fresh produce and some other donations through the Food Shuttle program. Love Chatham partners with Chuckwagon to provide meals to clients that are staying in the hotels. We recently developed a partnership with Feed Well Fridges and have since put a unit at our location that community members can access anytime - day or night.

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

  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 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 2021.

    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.