every habitat-ncg homeowner has a silver lining story because of you...

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our missionSeeking to put God’s love into action, Habitat for Humanity brings people together to build homes, communities, and hope.

our visionA world where everyone has a decent place to live.

who we are Habitat for Humanity-North Central Georgia (Habitat-NCG) is a qualified nonprofit, Christian housing ministry serving North Fulton, Cherokee, Forsyth and Dawson counties. Habitat-NCG is an affiliate of Habitat for Humanity International. Like other affiliates operating in the United States, we are an independent, locally run organization that is responsible for its own funding, family selection, land acquisition and development, home construction, and mortgage origination and servicing.

Habitat-NCG’s homeownership and repair programs are open to all people, regardless of race, religion, color or creed. Habitat-NCG was founded in 1995 to address the need for affordable housing in Atlanta’s northern suburbs.

Through 2019, Habitat-NCG has constructed or rehabilitated 316 homes for low - to moderate - income homeowners

who demonstrated the capacity for responsible homeownership. The ministry has now served over 1,400

family members, including more than 800 children.

To date, 73 home repair projects have been

completed serving 144 family members –

including 71 seniors, 17 veterans, and 34 disabled persons.

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Dear Habitat for Humanity-NCG Supporter,

As we write this letter, we look back at 2019 and forward to 2020. Last year, we were presented with numerous challenges, but we also reflect on overcoming them and achieving several remarkable outcomes. Moving forward into 2020, we are overwhelmed with gratitude as we contemplate that we will be celebrating our 25th Anniversary.

In 2019, we closed on 13 new homes, highlighted by the construction of new homes for a blind Vietnam veteran and a young woman who is partially paralyzed and wheelchair bound as a result of a horrible traffic resident. During the year, we also completed thirteen projects through our Home Repair Program, targeted at seniors and veterans.

2020 presents a watershed for our affiliate. As we enter our silver anniversary year, we have adopted the theme “Silver Linings.” No doubt that our ministry has been exactly that through new construction, rehabs, and repair projects that have now impacted over 1,400 family members, including more than 800 children. Amidst the dark clouds, Habitat-North Central Georgia shone a light for our homeowners and their families. With increasing land and construction costs, however, we are challenged more than ever to provide affordable housing to hard-working families in need of a hand-up. How we meet these challenges will dictate our future.

The times they are a-changin’. Mark Susor, who served on our Board for eight years and presided as Board Chair since 2015, retired per our Bylaws at the end of 2019. We are deeply indebted to him for his leadership and vision. Velyna Johnson, our Finance Director, retired in 2019 after 17 years with our ministry. Her wisdom and compassion will be greatly missed. Russ Hayes, our CEO, plans to retire in the summer of 2020 after 12 years in

the position.

We would be remiss not to mention our generous donors and volunteers, not only those who supported us in 2019 but also those whose efforts throughout the

years have brought us to our 25th Anniversary. On behalf of our Board of Directors, staff, and homeowners, we offer you our heartfelt thanks. God bless you – you have brought hope and a Silver Lining into the lives of deserving families. With your continued support and, under the umbrella of

our good Lord’s providential grace, we will continue to thrive.

Michael G. Krauter Russell E. Hayes

Chairman of the Board Chief Executive Officer

= the approximate location of a HFH-NCG home or group of homes

message from our board chair &ceo

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Dear Habitat for Humanity-NCG Supporter,

As we write this letter, we look back at 2019 and forward to 2020. Last year, we were presented with numerous challenges, but we also reflect on overcoming them and achieving several remarkable outcomes. Moving forward into 2020, we are overwhelmed with gratitude as we contemplate that we will be celebrating our 25th Anniversary.

In 2019, we closed on 13 new homes, highlighted by the construction of new homes for a blind Vietnam veteran and a young woman who is partially paralyzed and wheelchair bound as a result of a horrible traffic resident. During the year, we also completed thirteen projects through our Home Repair Program, targeted at seniors and veterans.

2020 presents a watershed for our affiliate. As we enter our silver anniversary year, we have adopted the theme “Silver Linings.” No doubt that our ministry has been exactly that through new construction, rehabs, and repair projects that have now impacted over 1,400 family members, including more than 800 children. Amidst the dark clouds, Habitat-North Central Georgia shone a light for our homeowners and their families. With increasing land and construction costs, however, we are challenged more than ever to provide affordable housing to hard-working families in need of a hand-up. How we meet these challenges will dictate our future.

The times they are a-changin’. Mark Susor, who served on our Board for eight years and presided as Board Chair since 2015, retired per our Bylaws at the end of 2019. We are deeply indebted to him for his leadership and vision. Velyna Johnson, our Finance Director, retired in 2019 after 17 years with our ministry. Her wisdom and compassion will be greatly missed. Russ Hayes, our CEO, plans to retire in the summer of 2020 after 12 years in

the position.

We would be remiss not to mention our generous donors and volunteers, not only those who supported us in 2019 but also those whose efforts throughout the

years have brought us to our 25th Anniversary. On behalf of our Board of Directors, staff, and homeowners, we offer you our heartfelt thanks. God bless you – you have brought hope and a Silver Lining into the lives of deserving families. With your continued support and, under the umbrella of

our good Lord’s providential grace, we will continue to thrive.

Michael G. Krauter Russell E. Hayes

Chairman of the Board Chief Executive Officer

service area map

= the approximate location of a HFH-NCG home or group of homes

2019 honor roll of donors Many thanks for the faithful support from foundations, individuals, community organizations, churches and corporations. Without you, our mission would be unattainable.

This listing reflects donations above $250 to HFH-NCG during the calendar year of 2019.

$80,000 +Cisco Americas Sales TeamSchoen Insulation Services, Inc.The Mangum-Kirchoff FamilyThrivent FinancialThe Tovrog FamilyThe UPS Foundation

$40,000 - $79,999Federal Home Loan BankLutheran Coalition for HabitatPublix Super Markets CharitiesSaint Brigid Catholic Church

$20,000 - $39,999AmazonCisco FoundationMarketSourceMount Pisgah United Methodist ChurchSchneider ElectricTravelersWells Fargo Housing Foundation

$10,000 - $19,999ADP FoundationAlcon FoundationAlpharetta First United Methodist ChurchCatholic Church of the Good ShepherdE*TRADEEnerconD.R. & Patty GrimesHabitat for Humanity Cars for HomesHancock ClaimsHome Depot FoundationMichael A. MartinSaint Peter Chanel Catholic ChurchSalesforceSolvay Specialty PolymersState FarmSynovus Bank

$5,000 - $9,999Canton First United Methodist Church

Cherokee Association of REALTORSJeff & Janice Chalovich Family FoundationCitrixCONA ServicesDatascan TechnologiesSaint David's Episcopal ChurchInterDevFrank & Velyna Johnson Charitable FundJoseph E. Johnston FoundationL3 TechnologiesTim & Kathy McCollumRWE Real Estate Holdings, LLCSawnee Electric Membership FoundationSaint Thomas Aquinas Catholic ChurchVM WareWindsong PropertiesWorkday

$2,500 - $4,999AnonymousBlessed Trinity Catholic High SchoolAubrey BoyceCobb EMC Community FoundationMichael EnloeThe Flack FamilyRussell & Kim HayesMichael & Yvonne KrauterNorth Georgia United Methodist Housing and Homeless CouncilDavid ScofieldDonald & Linda SimonsState Charitable Contributions ProgramTurf Master Lawn Care

$1,000 - $2,499AnonymousAllen Temple AME ChurchAlpharetta High SchoolDennis BarchukJohn BolthuisRobert & Gina BryanCreekview High SchoolEvans InsulationSusan GoettingThe Hilbert Law FirmHillside United Methodist ChurchJohns Creek High SchoolSteven KushnikLambert High SchoolFrank LemondEllis & Barbara LeslieThe Lubrizol FoundationBarbara LundbergFran MauneyThe McClure Family FoundationNorthbrook United Methodist Church

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Tammy LowryJulia McVickerMelinda MerriottSean MikulaCheryl MoseleyLynn PiscoranJames J. RainsfordAnthony ScarazzoCindy ScottMichael & Trish StaffordEben StuartJoyce TealZelik R. Ulman

Local In-Kind ContributorsBanks SepticEnergy VanguardGreenworksImage Design Stairs, LLCInfiltrator SystemsThe Landscape GuysNorth Georgia GradingMatt Powell & AssociatesRoswell United Methodist ChurchSCS TreesStoke Real Estate Appraisal ServicesTownley Portable Toilets

Government Grant ProgramsCherokee County Community Development Block Grant ProgramCity of Roswell Community Development Block Grant ProgramCity of Roswell HOME ProgramUS Department of Housing and Urban Development Self-Help Homeownership Opportunity Program

Matching Gifts ContributorsCisco Bright FundsGive with LibertyThe Lubrizol FoundationState Farm FoundationTravelersVerizon

National In-Kind ContributorsDow Chemical CompanySchneider ElectricWhirlpool CorporationYale Commercial Locks & Hardware

Our goal is to correctly list each of our donors properly. Please call 678.672.5231 if your name is not listed above or is incorrect.

Dan O'HaraGregory & Martha PeaseWilliam & Kay PhinneyDavid PlaucheSteve & Carolyn RomeynMark & Kelly ShroutWilliam & Caroline SilzleWes & Kelly TarkentonThompson Construction GroupWalmartRobert WitzelSandra Woods

$500-$999Leslie AndrewBruce BachmanBradley BeardBhaskar BhideRobert BockPrivate Bank of BuckheadJames BurwellAngelia CannonEdward DavisDawn FlinchbaughGrace GomezBillie Lou HancePeggy JacksonGerald JohnstonTimothy O'DonnellJames J. RainsfordRoswell Woman's ClubSalsa LabsSequoyah High SchoolSteven SmithCindy Tyesky-GageSteven WoodWilliam ZaryskiDavid Zerbe

$250-$499Tarun AgrawalJack BalthasarCharles BourquinAmanda BuddeR. ChapmanTimothy CulbrethRichard EngerCraig HuntBirdel & Edith JacksonJohnson Ferry Christian AcademyLaKisha JonesSabrina KirklandRichard & Bethany LeftwichBen & Peggy LillyLaura LillyWilliam & Connie Lollis

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auditor's letterTo the Board of DirectorsHabitat for Humanity-North Central Georgia, Inc Roswell, Georgia

We have audited the accompanying financial statements of Habitat for Humanity-North Central Georgia, Inc. (a nonprofit organization), which comprise the statement of financial position as of June 30, 2019, and the related statements of activities, functional expenses, and cash flows for the year then ended, and the related notes to the financial statements.

Management's Responsibility for the Financial StatementsManagement is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error.

Auditor's ResponsibilityOur responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

OpinionIn our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of Habitat for Humanity-North Central Georgia, Inc. as of June 30, 2019, and the change in its net assets and its cash flows for the year then ended in accordance with accounting principles generally accepted in the United States of America.

Report on Summarized Comparative InformationWe have previously audited Habitat for Humanity-North Central Georgia, lnc.'s

2018 financial statements, and we expressed an unmodified audit opinion on those audited financial statements in our report dated September 20, 2018. In our opinion, the summarized comparative information presented herein as of and for the year ended June 30, 2018, is consistent, in all material respects, with the audited financial statements from which it has been derived.

NGCHDC StatementThe statement on the opposite page does not include the results

of the North Georgia Community Housing Development Corp. (NGCHDC), an affiliate of Habitat-NCG which was formed

to secure certain grants available to certified housing development organizations. NGCHDC ended FY2019 with net assets of $413,521. The ministry’s complete financial statements can be found at habitat-ncg.org.

ASSETS

Current Assets Cash and cash equivalents $513,438 Contributions receivable $235,000 Grants receivable $109,897 Current portion of mortgages receivable, net $210,453 Due from related party $13,527 Other receivables $24,520 Prepaid expenses $26,756 Construction in progress $419,904 Land held for development $59,597

Total current assets $1,613,092

Property and Equipment Property and equipment, net $89,489

Other Assets Mortgages receivable, net, less current portion $7,537,848

Total Assets $9,240,429

LIABILITIES AND NET ASSETS

Current Liabilities Current po1tion of notes payable, net $141,695 Line of cred it $100,000 Accounts payable $83,482 Accrued expenses $4,835 Other payables $36,000 Homeowner deposits $15,000 Homeowner escrows $365,730 Unearned revenue $15,749 Deferred revenue $0

Total current liabilities $762,491

Long-Term Debt (Net) Notes payable, less current portion $1,769,214

Net Assets Unrestricted $5,873,504 Temporary restricted $835,220

TOTAL LIABILITIES & NET ASSETS $9,240,429

2019 FINANCIAL POSITIONFY 2019 financial position

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Individuals & Events

Mortgages

Corporate, Faith & Civic

Grants & Foundations

Government Grants

executive committee

Michael Krauter Board Chair & PresidentRetired President & Retail Director of Stores Macy’s, Inc.

Mark MuellerTreasurerChief Financial OfficerMarketSource

Peter Gleichman SecretaryPrincipalGleichman Law Firm, LLC

Gregory J. SinatraFinancial Consultant Thrivent Financial

board members

Robert H. BryanPresident Enercon

Amanda BuddeBranch ManagerWells Fargo Bank, N.A.

Birdel F. Jackson, IIIRetired, CEO B&E Jackson Engineers

Matthew McKeeMiddle Market BankingSynovus Bank

Kelly ShroutDistribution Manager, SE MarketVerizon Wireless

T. Michael StaffordManaging DirectorBonds & Specialty InsuranceTravelers

Cindy Tyesky-GageVice President, Executive ProgramsSalesforce

Keri WilliamsHuman Resources ManagerSolvay Specialty Polymers

Sandra WoodsSr. US Partner Marketing ManagerPublic SectorAmazon Web Services (AWS)

2020 board of directors

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2020 Staff Members

Russ Hayes Chief Executive Officer

Sharon Bradley Finance Manager

Sabrina Kirkland Director of Community Engagement

Mary Lamond Director of Family Services Leigh Johnson Resource Development Manager

Rebekah Nama Volunteer Coordinator

Dede Allen Property Acquisition Manager

Hal Stringer Land Development Director

Rick Hogg Director of Construction

Ellis Leslie Construction Manager

David Young Construction Manager Hope Bowling Home Repair Construction Coordinator Bob Lipop Purchasing Manager

Dave Zerbe Site Coordinator

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building strength, stability and self-reliance through shelter

Roswell Location814 Mimosa BoulevardBuilding CRoswell, Georgia 30075(770) 587-9679

Cumming Location133 Samaritan WayCumming, Georgia 30040(770) 886-4939

e-mail: info@habitat-ncg.org habitat-ncg.org