Attach to Form 990 or Form 990-EZ.
Information about Schedule A (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form990.
| (i)Name of supported organization | (ii) EIN | (iii) Type of organization (described on lines 1- 9 above or IRC section (see instructions)) | (iv) Is the organization listed in your governing document? | (v) Amount of monetary support (see instructions) | (vi) Amount of other support (see instructions) | |
|---|---|---|---|---|---|---|
| Yes | No | |||||
| (A)
CITY OF INDIANAPOLIS |
356001063 | 06 | Yes | 0 | 0 | |
| (B)
UNITED WAY |
351007590 | 09 | Yes | 0 | 0 | |
Total 2
|
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Calendar year (or fiscal year beginning in) ![]() |
(a) 2010 | (b) 2011 | (c) 2012 | (d) 2013 | (e) 2014 | (f) Total | |
|---|---|---|---|---|---|---|---|
| 1 | Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") .... | ||||||
| 2 | Tax revenues levied for the organization's benefit and either paid to or expended on its behalf....... | ||||||
| 3 | The value of services or facilities furnished by a governmental unit to the organization without charge.. | ||||||
| 4 | Total. Add lines 1 through 3 | ||||||
| 5 | The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f).. | ||||||
| 6 | Public support. Subtract line 5 from line 4. | ||||||
Calendar year
(or fiscal year beginning in) ![]() |
(a) 2010 | (b) 2011 | (c) 2012 | (d) 2013 | (e) 2014 | (f) Total | |
|---|---|---|---|---|---|---|---|
| 7 | Amounts from line 4.. | ||||||
| 8 | Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources... | ||||||
| 9 | Net income from unrelated business activities, whether or not the business is regularly carried on.. | ||||||
| 10 | Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.).. | ||||||
| 11 | Total support Add lines 7 through 10. | ||||||
Calendar year (or fiscal year beginning in) ![]() |
(a) 2010 | (b) 2011 | (c) 2012 | (d) 2013 | (e) 2014 | (f) Total | |
|---|---|---|---|---|---|---|---|
| 1 | Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") . | ||||||
| 2 | Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose...... | ||||||
| 3 | Gross receipts from activities that are not an unrelated trade or business under section 513.. | ||||||
| 4 | Tax revenues levied for the organization's benefit and either paid to or expended on its behalf... | ||||||
| 5 | The value of services or facilities furnished by a governmental unit to the organization without charge.. | ||||||
| 6 | Total. Add lines 1 through 5. | ||||||
| 7a | Amounts included on lines 1, 2, and 3 received from disqualified persons... | ||||||
| b | Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year. | ||||||
| c | Add lines 7a and 7b.. | ||||||
| 8 | Public support (Subtract line 7c from line 6.) | ||||||
Calendar year (or fiscal year beginning in) ![]() |
(a) 2010 | (b) 2011 | (c) 2012 | (d) 2013 | (e) 2014 | (f) Total | |
|---|---|---|---|---|---|---|---|
| 9 | Amounts from line 6... | ||||||
| 10a | Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources.. | ||||||
| b | Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975. | ||||||
| c | Add lines 10a and 10b. | ||||||
| 11 | Net income from unrelated business activities not included in line 10b, whether or not the business is regularly carried on. | ||||||
| 12 | Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.) .. | ||||||
| 13 | Total support. (Add lines 9, 10c, 11, and 12.).. | ||||||
| Section A - Adjusted Net Income | (A) Prior Year |
(B) Current Year (optional) |
||||
| 1 | Net short-term capital gain | 1 | ||||
| 2 | Recoveries of prior-year distributions | 2 | ||||
| 3 | Other gross income (see instructions) | 3 | ||||
| 4 | Add lines 1 through 3 | 4 | ||||
| 5 | Depreciation and depletion | 5 | ||||
| 6 | Portion of operating expenses paid or incurred for production or collection of gross income or for management, conservation, or maintenance of property held for production of income (see instructions) | 6 | ||||
| 7 | Other expenses (see instructions) | 7 | ||||
| 8 | Adjusted Net Income (subtract lines 5, 6 and 7 from line 4) | 8 | ||||
| Section B - Minimum Asset Amount | (A) Prior Year |
(B) Current Year (optional) |
||||
| 1 | Aggregate fair market value of all non-exempt-use assets (see instructions for short tax year or assets held for part of year): | 1 | ||||
| a | Average monthly value of securities | 1a | ||||
| b | Average monthly cash balances | 1b | ||||
| c | Fair market value of other non-exempt-use assets | 1c | ||||
| d | Total (add lines 1a, 1b, and 1c) | 1d | ||||
| e | Discount claimed for blockage or other factors (explain in detail in Part VI): | |||||
| 2 | Acquisition indebtedness applicable to non-exempt use assets | 2 | ||||
| 3 | Subtract line 2 from line 1d | 3 | ||||
| 4 | Cash deemed held for exempt use. Enter 1-1/2% of line 3 (for greater amount, see instructions). | 4 | ||||
| 5 | Net value of non-exempt-use assets (subtract line 4 from line 3) | 5 | ||||
| 6 | Multiply line 5 by .035 | 6 | ||||
| 7 | Recoveries of prior-year distributions | 7 | ||||
| 8 | Minimum Asset Amount (add line 7 to line 6) | 8 | ||||
| Section C - Distributable Amount | Current Year | |||||
| 1 | Adjusted net income for prior year (from Section A, line 8, Column A) | 1 | ||||
| 2 | Enter 85% of line 1 | 2 | ||||
| 3 | Minimum asset amount for prior year (from Section B, line 8, Column A) | 3 | ||||
| 4 | Enter greater of line 2 or line 3 | 4 | ||||
| 5 | Income tax imposed in prior year | 5 | ||||
| 6 | Distributable Amount. Subtract line 5 from line 4, unless subject to emergency temporary reduction (see instructions) | 6 | ||||
| 7 | Check here if the current year is the organization's first as a non-functionally-integrated Type III supporting organization (see instructions) | |||||
| Section D - Distributions | Current Year | |
|---|---|---|
| 1 Amounts paid to supported organizations to accomplish exempt purposes | ||
|
2
Amounts paid to perform activity that directly furthers exempt purposes of supported organizations, in excess of income from activity |
||
| 3 Administrative expenses paid to accomplish exempt purposes of supported organizations | ||
| 4 Amounts paid to acquire exempt-use assets | ||
| 5 Qualified set-aside amounts (prior IRS approval required) | ||
| 6 Other distributions (describe in Part VI). See instructions | ||
| 7Total annual distributions. Add lines 1 through 6. | ||
|
8
Distributions to attentive supported organizations to which the organization is responsive (provide details in Part VI). See instructions |
||
| 9 Distributable amount for 2014 from Section C, line 6 | ||
| 10 Line 8 amount divided by Line 9 amount | ||
| Section E - Distribution Allocations (see instructions) |
(i) Excess Distributions |
(ii) Underdistributions Pre-2014 |
(iii) Distributable Amount for 2014 |
|
|---|---|---|---|---|
|
1
Distributable amount for 2014 from Section C, line 6 |
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|
2
Underdistributions, if any, for years prior to 2014 (reasonable cause required--see instructions) |
||||
| 3 Excess distributions carryover, if any, to 2014: | ||||
| a From 2009.......X | ||||
| b From 2010.......X | ||||
| c From 2011.......X | ||||
| d From 2012.......X | ||||
| e From 2013....... | ||||
| fTotal of lines 3a through e | ||||
| g Applied to underdistributions of prior years | ||||
| h Applied to 2014 distributable amount | ||||
|
i
Carryover from 2009 not applied (see instructions) |
||||
| j Remainder. Subtract lines 3g, 3h, and 3i from 3f. | ||||
| 4Distributions for 2014 from Section D, line 7: | ||||
| $ | ||||
| a Applied to underdistributions of prior years | ||||
| b Applied to 2014 distributable amount | ||||
| c Remainder. Subtract lines 4a and 4b from 4. | ||||
|
5
Remaining underdistributions for years prior to 2014, if any. Subtract lines 3g and 4a from line 2 (if amount greater than zero, see instructions) |
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|
6
Remaining underdistributions for 2014. Subtract lines 3h and 4b from line 1 (if amount greater than zero, see instructions) |
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|
7 Excess distributions carryover to 2015. Add lines 3j and 4c. |
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| 8 Breakdown of line 7: | ||||
| a From 2010.......X | ||||
| b From 2011.......X | ||||
| c From 2012.......X | ||||
| d From 2013....... | ||||
| e From 2014....... | ||||
| Facts And Circumstances Test |
|---|
| Return Reference | Explanation |
|---|---|
| PART IV, SECTION 1, QUESTION 2 | SUPPORTING ORGANIZATIONS |
| Software ID: | |
| Software Version: |
Attach to Form 990 or 990-EZ.
Information about Schedule O (Form 990 or 990-EZ) and its instructions is at| Return Reference | Explanation |
|---|---|
| PROGRAM SERVICE ACCOMPLISHMENTS CONTINUED | FORM 990, PART III, QUESTION 4A HOME PURCHASE CLIENTS WHO BORROW FROM INHP TYPICALLY HAVE LOW OR MODERATE HOUSEHOLD INCOMES AND ARE PURCHASING OR REFINANCING A HOME IN MARION COUNTY. OFTEN, THEY WANT TO REHABILITATE THE PROPERTY THEY ARE BUYING OR REFINANCING USING FUNDS FROM THE NEW MORTGAGE. IN 2014, INHP MADE 64 OF THESE FIRST MORTGAGE LOANS. SIMILARLY, HOME REPAIR CLIENTS WHO BORROW FROM INHP TYPICALLY HAVE LOW OR MODERATE HOUSEHOLD INCOMES AND LIVE IN MARION COUNTY. THEY HAVE EMERGENCY HOME REPAIR NEEDS THAT AFFECT THE INHABITABILITY OF THEIR HOMES, OR THEY ARE DISABLED AND IN NEED OF ACCESSIBILITY MODIFICATIONS AND REPAIRS TO THEIR HOMES. WHETHER CLIENTS ARE PURCHASING THEIR FIRST HOME OR ARE ACCESSING HOME REPAIR LOANS, REHABILITATION OF CLIENTS' HOUSING TO BRING IT UP TO CODE AND TO ENSURE SAFETY IS AN IMPORTANT PART OF INHP'S MISSION. IN 2014, INHP MADE 106 OF THESE SECOND MORTGAGE LOANS. |
| PROGRAM SERVICE ACCOMPLISHMENTS CONTINUED | FORM 990, PART III, QUESTION 4B AN IHNP HOMEOWNERSHIP ADVISOR PROVIDES GROUP AND INDIVIDUALIZED HOMEOWNERSHIP EDUCATION, WHICH MAY INCLUDE AN INDIVIDUALIZED PLAN FOR THE CLIENT. THE END-GOAL OF EACH PLAN, IF ONE IS DEVELOPED, IS FOR THE CLIENT'S FINANCIAL STATUS TO IMPROVE ENOUGH TO QUALIFY HIM OR HER FOR A MORTGAGE AND FOR THE CLIENT TO LEAVE THE PROGRAM WITH THE FINANCIAL WHEREWITHAL TO REMAIN IN HIS OR HER HOME. IF A CLIENT RECEIVES AN INDIVIDUALIZED HOMEOWNERSHIP PLAN, THE CLIENT IS RESPONSIBLE FOR IMPLEMENTING THE PLAN. THE CLIENT MEETS WITH HIS OR HER HOMEOWNERSHIP ADVISOR EVERY FOUR TO SIX WEEKS TO REPORT PROGRESS AND ADJUST THE GOALS AND THE PLAN AS NECESSARY. CLIENTS CONTINUE TO MEET WITH HOMEOWNERSHIP ADVISORS ONCE EVERY FOUR TO SIX WEEKS FOR UP TO 24 MONTHS OR LONGER IF THE HOMEOWNERSHIP ADVISOR REQUESTS AN EXCEPTION AND THE EXCEPTION IS GRANTED. AT THE END OF THE HOMEOWNERSHIP COUNSELING PROCESS, THE CLIENT MAY BE CONNECTED TO A HOME LOAN ORIGINATOR TO BEGIN THE MORTGAGE PROCESS. INHP DOES NOT OFFER GENERAL CONSUMER CREDIT COUNSELING SERVICES, CREDIT REPAIR OR CREDIT NEGOTIATION SERVICES, OR DEBT MANAGEMENT PLAN SERVICES. THE ORGANIZATION DOES NOT MEET THE CRITERIA OF A CREDIT COUNSELING ORGANIZATION AS DEFINED IN 501(Q). |
| PROCESS TO REVIEW THE FORM 990 | FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED AND REVIEWED BY AN INDEPENDENT ACCOUNTING FIRM. THE 990 WILL BE REVIEWED WITH THE FINANCE COMMITTEE OF THE BOARD AND APPROVED FOR FILING. ONCE THE COMMITTEE APPROVES THE FORM 990, THE TAX RETURN IS EMAILED TO ALL BOARD MEMBERS FOR THEIR REVIEW BEFORE FILING. |
| PROCESS FOR MONITORING COMPLIANCE WITH CONFLICT OF INTEREST POLICY | FORM 990, PART VI, SECTION B, LINE 12C THE CONFLICT OF INTEREST DOCUMENT IS SENT TO ALL BOARD MEMBERS, WHO RESPOND TO THE QUESTIONS AND SIGN AND RETURN THE DOCUMENT. THE AUDITORS ALSO REVIEW THE FORMS DURING THE ANNUAL AUDIT. UPON RECEIPT, THE FORMS ARE REVIEWED FOR CONFLICTS AND IF NOTED, THEY WILL BE BROUGHT TO THE ATTENTION OF THE EXECUTIVE COMMITTEE WHO WILL DETERMINE THE APPROPRIATE RESPONSE. |
| PROCESS TO DETERMINE CEO, OFFICER, & KEY EMPLOYEE COMPENSATION | FORM 990, PART VI, SECTION B, LINE 15A & 15B A COMPENSATION SUBCOMMITTEE OF THE BOARD REVIEWS THE PRESIDENT'S RECOMMENDATIONS FOR COMPENSATION OF THE SENIOR MANAGEMENT TEAM ON AN ANNUAL BASIS. THE RESPONSIBILITIES OF THIS COMMITTEE ARE AS FOLLOWS: 1. EVALUATE THE PRESIDENT'S JOB PERFORMANCE BASED ON PERFORMANCE GOALS RELATED TO THE ORGANIZATION'S STRATEGIC GOALS; 2. SOLICIT WRITTEN FEEDBACK FROM THE FULL BOARD AS DETERMINED BY THE COMMITTEE; 3. DETERMINE THE PRESIDENT'S COMPENSATION LEVEL BASED ON RESPONSIBILITIES, JOB PERFORMANCE AND EXTERNAL, INDEPENDENT COMPENSATION ANALYSIS; 4. APPROVE THE PRESIDENT'S RECOMMENDATIONS FOR OTHER EXECUTIVE STAFF COMPENSATION; 5. AUTHORIZE ADJUSTMENTS TO ORGANIZATIONAL SALARY RANGES FROM TIME TO TIME BASED ON EXTERNAL RECOMMENDATIONS (E.G. COMPENSATION REVIEW RESOURCES); 6. PERIODICALLY REVIEW THE COMPENSATION STRUCTURE AND DETERMINE WHETHER THE CURRENT STRUCTURE IS APPROPRIATE; 7. DOCUMENT ALL ACTIVITIES AND PREPARE A BRIEF STATEMENT AUTHORIZING THE COMPENSATION ADJUSTMENTS OF EXECUTIVE STAFF; 8. CONSULT WITH TREASURER REGARDING BUDGET PRIOR TO RECOMMENDING COMPENSATION, INCENTIVE, OR SALARY RANGE ADJUSTMENTS; 9. REPORT TO EXECUTIVE COMMITTEE ALL ACTIONS OF THE SUB-COMMITTEE; AND 10. REVIEW AND RECOMMEND CHANGES IN POLICIES, PROCEDURES AND THIS CHARGE, AS APPROPRIATE. THE MOST RECENT COMPENSATION ANALYSIS WAS COMPLETED BY TOWERS WATSON AND DELIVERED TO THE COMPENSATION COMMITTEE IN AUGUST 2012. FOR ANY NEW POSTIONS CREATED OR JOB DESCRIPTION CHANGES, TOTAL REWARDS SOLUTIONS IS CONTRACTED TO PROVIDE SALARY INFORMATION. THE COMPENSATION COMMITTEE MINUTES NOTE THE DECISION ON THE COMPENSATION. |
| AVAILABILITY OF GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, & F/S | FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. THE FORM 990 IS ALSO AVAILABLE TO THE PUBLIC ON THE ORGANIZATION'S WEBSITE. |
| OTHER CHANGES IN NET ASSETS | SCHEDULE D, PART XI, LINE 9 REVERSAL OF ALLOWANCE ON LOANS TO HOMESTEAD ASSOCIATES $381,624 |
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| Software Version: |