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        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>TO PROVIDE HOUSING, COMMUNITY AND ECONOMIC DEVELOPMENT PROJECTS AND SOCIAL SERVICES THAT BENEFIT LOW AND MODERATE INCOME PERSONS. TO PROVIDE SERVICES TO BENEFICIARIES THROUGH ITS HOUSING COUNSELING PROGRAM, DOWN PAYMENT ASSISTANCE PROGRAM, MATCHED SAVINGS ACCOUNT PROGRAM, SMALL BUSINESS SUPPORT PROGRAM, RENTAL HOUSING, AND HOUSING DEVELOPMENT/REHAB PROGRAM. ALSO TO SERVE AS THE SPONSOR/DEVELOPER/ADMINISTRATOR/CONSULTANT FOR NUMEROUS COMMUNITY DEVELOPMENT PROJECTS OWNED/OPERATED BY OTHER NONPROFIT ENTITIES.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>COPY OF FORM 990 IS AVAILABLE TO BOARD MEMBERS FOR REVIEW BEFORE FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>MONITORED BY MANAGEMENT AND ANNUAL SIGNED DISCLOSURE</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>REVIEWED AND APPROVED BY BOARD OF DIRECTORS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 AVAILABLE UPON REQUEST DURING NORMAL BUSINESS HOURS.</ExplanationTxt>
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</Return>