HOUSING TRUST SILICON VALLEY Charity Report

Public IRS 990 nonprofit record

HOUSING TRUST SILICON VALLEY

EIN 77-0545135 · Housing & Shelter (L800)

What they do

OUR MISSION AT HOUSING TRUST SILICON VALLEY, is to USE TRANSFORMATIVE HOUSING FINANCE and PUBLIC and PRIVATE PARTNERSHIPS to CREATE MORE EQUITABLE and AFFORDABLE COMMUNITIES.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $71.30 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders29 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

17.27%of revenue went to mission work71.3% of expenses · Program services

1.34%of revenue went to fundraising5.5% of expenses

$24.24spent for every $100 of revenueRevenue covered expenses this year.

5.63%of revenue went to management and office costs23.2% of expenses

$22.99in assets for every $1 spent this yearSome assets cannot be spent right away.

75.9%of its money came from giftsOther money may come from services or investments.

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Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $465,419 for ANTONIETA RAMOS (CHIEF EXECUTIVE OFFICER). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$56,290,504

Mission workProgram services$9,722,40517.27% of revenue71.3% of expenses

ManagementOffice and general costs$3,166,4755.63% of revenue23.2% of expenses

FundraisingAsking for donations$753,3791.34% of revenue5.5% of expenses

Revenue left after expensesReported annual surplus$42,648,24575.76% of revenueShown in gray on the chart

Total expenses$13,642,25924.24% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2024CurrentExpense mix: 71.3% mission · 23.2% management · 5.5% fundraisingTotal expenses: 24.24% of revenue

2023Expense mix: 64.6% mission · 27.1% management · 8.3% fundraisingTotal expenses: 60.06% of revenue

2022Expense mix: 63.4% mission · 28.3% management · 8.4% fundraisingTotal expenses: 37.86% of revenue

2021Expense mix: 86.6% mission · 10.9% management · 2.5% fundraisingTotal expenses: 77.07% of revenue

2020Expense mix: 68.2% mission · 26.9% management · 5.0% fundraisingTotal expenses: 33.85% of revenue

2019Expense mix: 78.0% mission · 16.4% management · 5.6% fundraisingTotal expenses: 39.22% of revenue

2018Expense mix: 78.5% mission · 16.4% management · 5.1% fundraisingTotal expenses: 46.26% of revenue

2017Expense mix: 74.2% mission · 19.7% management · 6.1% fundraisingTotal expenses: 34.14% of revenue

Money in and money out

Revenue$56,290,504

Expenses$13,642,259

Annual surplus $42,648,245 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$9,722,405 · 71.3% of expenses

Management and office costs$3,166,475 · 23.2% of expenses

Fundraising$753,379 · 5.5% of expenses

See all reported dollar amounts

Revenue$56,290,504

Expenses$13,642,259

Assets$313,661,440

Income$81,367,147

Contributions$42,711,903

Mission work (program services)$9,722,405

Fundraising$753,379

Grants given$2,708,531

Average grant$90,284

Management and general$3,166,475

Executive compensation (total)$950,990

Stocks and bonds$18,559,365

Accounting fees$155,029

Investing fees$48,410

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

ANTONIETA RAMOSCHIEF EXECUTIVE OFFICER · 40 hrs/week $465,419Base $444,324 · Other $21,095

JULIE MAHOWALDCFO & HEAD OF PSHIPS & STRATEGY · 40 hrs/week $370,046Base $333,938 · Other $36,108

JULIE QUINNCHIEF PROGRAM & IMPACT OFFICER · 40 hrs/week $273,351Base $242,026 · Other $31,325

NAZMIN BISHOPCHIEF DEV. & COM. OFF. (UNTIL 10/24) · 40 hrs/week $230,389Base $194,267 · Other $36,122

GUADALUPE DE LOURDES MEDINA MENDEZHUMAN RESOURCES DIRECTOR · 40 hrs/week $222,173Base $200,888 · Other $21,285

FATHIA MACAULEYFORMER CHIEF LENDING OFFICER · 40 hrs/week $221,098Base $201,693 · Other $19,405

STEPHANEY KIPPLEMULTIFAMILY LENDING MANAGER · 40 hrs/week $206,656Base $189,917 · Other $16,739

BRENT MALLOYCONTROLLER · 40 hrs/week $195,339Base $156,285 · Other $39,054

MARTHA LOPEZMANAGER, LOAN ADMIN · 40 hrs/week $174,293Base $148,601 · Other $25,692

VIVIAN VOACCOUNTING MANAGER · 40 hrs/week $171,234Base $159,231 · Other $12,003

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (29)

ANTONIETA RAMOSCHIEF EXECUTIVE OFFICER

JULIE MAHOWALDCFO & HEAD OF PSHIPS & STRATEGY

JULIE QUINNCHIEF PROGRAM & IMPACT OFFICER

NAZMIN BISHOPCHIEF DEV. & COM. OFF. (UNTIL 10/24)

GUADALUPE DE LOURDES MEDINA MENDEZHUMAN RESOURCES DIRECTOR

FATHIA MACAULEYFORMER CHIEF LENDING OFFICER

STEPHANEY KIPPLEMULTIFAMILY LENDING MANAGER

BRENT MALLOYCONTROLLER

MARTHA LOPEZMANAGER, LOAN ADMIN

VIVIAN VOACCOUNTING MANAGER

TIM STEELEDIRECTOR

TATIANA BLANKDIRECTOR

SINDY SPIVAKDIRECTOR

AHMAD THOMASDIRECTOR

SHARON LEESECRETARY

SEAN CALLUMCHIEF CREDIT & RISK OFF. (BEG 01/25)

NICHOLAS FRIENDCHIEF LENDING OFF. (BEG 02/25)

WELTON JORDANDIRECTOR

MIKE BEASLEYDIRECTOR

MEG MCGRAW-SCHERERDIRECTOR

LISA GUTIERREZCHAIR

KEVIN DEEBLETREASURER

KATIE FERRICKDIRECTOR

JONATHAN FEARNFIRST/SECOND VICE CHAIR

JOE ANZALONEDIRECTOR

JANA BARSTENDIRECTOR

FIONA HSUDIRECTOR

EMILY DE LA GUERRADIRECTOR

DANA STRANZDIRECTOR

About this charity

Recognized since: January 2000
Location: 75 E SANTA CLARA STREET 1350, SAN JOSE, CA 95113
County: Santa Clara
In care of: ANTONIETA RAMOS
Primary officer: ANTONIETA RAMOS, CHIEF EXECUTIVE OFFICER

How to reach them

WebsiteVisit the charity’s website Phone(408) 703-3837

Filing and classification

Latest tax year: 2024
Tax period began: July 1, 2024
Return type: 990
Tax preparer: RSM US LLP
NTEE classification: Housing & Shelter (L800)
IRS tax category: Other Community Housing Services
Grant-giving organization: Yes