Housing Opportunities Made Equal of Virginia, Inc. (HOME)
626 East Broad Street, Suite 400
Richmond VA 23219
Mission Statement

HOME’s is to ensure equal access to housing for all people. We take a holistic approach, addressing individual instances of housing discrimination through education and counseling, and working on a larger scale to tackle systemically divisive housing practices through research, advocacy and statewide policy work. At a time when unequal access to housing and credit contribute most to the United States’ growing wealth gap, HOME’s multi-faceted approach is a powerful catalyst toward furthering fair housing.

Web and Social Media
"I'm doing this for us. So that we can buy a house and have a better life." - HOME client Sharon
CEO/Executive Director Heather Mullins Crislip
Board Chair Ms. Christine E. Marra Esq.
Board Chair Company Affiliation Virginia Poverty Law Center
Contact Information
Address 626 East Broad Street, Suite 400
Richmond, VA 23219
Telephone 804 354-0641
Fax 804 354-0690
E-mail info@HOMEofVA.org
History and Background
Year of Incorporation 1971
Former Names
Housing Opportunities Made Equal of Richmond, Inc.2006
Financial Summary
Revenue vs Expense Bar Graph - All Years
Expense Breakdown Bar Chart - All Years
Projected Revenue $2,792,890.00
Projected Expenses $2,792,890.00
Additional Documents
HOME Annual Report2015View
HOME Annual Report2014View
HOME Annual Report2013View
Home Annual Report2012View
HOME Annual Report2011View
HOME Annual Report2010View
HOME Annual Report2009View

HOME’s is to ensure equal access to housing for all people. We take a holistic approach, addressing individual instances of housing discrimination through education and counseling, and working on a larger scale to tackle systemically divisive housing practices through research, advocacy and statewide policy work. At a time when unequal access to housing and credit contribute most to the United States’ growing wealth gap, HOME’s multi-faceted approach is a powerful catalyst toward furthering fair housing.


HOME’s top accomplishments from 2016 include:

  • HOME served 2,392 clients in 75 jurisdictions throughout Virginia.
  • 340 clients received one-on-one homeownership counseling services. Last year, HOME and our clients generated an estimated $3,795,486 in local economic impact. Even at the height of the foreclosure crisis, 96 percent of families who purchased a home through our first-time homebuyer program successfully avoided foreclosure.
  • HOME served 208 families who were in danger of losing their home to foreclosure last year. In the past five years, 85 percent of our foreclosure prevention clients successfully avoided foreclosure.
  • HOME provided services and investigation to 105 fair housing clients and filed 10 fair housing complaints.
HOME’s current goals include:
  • HOME will work with the General Assembly to add sexual orientation, gender identity, and gender expression to the Virginia Fair Housing Law, thereby making housing discrimination based on these factors illegal across the state.
  • We will continue to increase our outreach to and build our relationship with the Hispanic/Latino community.
  • HOME will continue to investigate allegations of housing discrimination and ensure equal access to housing for all Virginians.
  • Advocates & Volunteers – HOME is always seeking passionate individuals to support and share our cause – to ensure equal access to housing (and all the opportunities housing provides) for all.
  • Donors – HOME is proud to further the reach of our programs, but with this expansion comes a greater need for financial resources. Please contact www.HOMEofVA.org for information about how to donate year-round.
  • Interns – Each semester, HOME seeks graduate-level social work, urban studies and law students in the Richmond area to assist with fair housing and research. Interns will assist department staff with program outreach and coordination, as well as the completion of fair housing testing and research.
  • An Audience - After the launch of our Mapping RVA exhibition, HOME is prepared to extend its efforts to educate the community through future informative endeavors, and would love a captive, inquisitive audience for our new material. You may visit HOME’s Facebook page or website regularly to learn more about our exhibition and upcoming events.




HOME is Virginia’s premier fair housing and housing counseling organization, offering a variety of programs and services designed to ensure equal access to housing for all Virginians. We were founded in 1971 to fight discrimination in housing access.

HOME became a national leader and made ground-breaking innovations in the 1980s. Particularly important was the landmark U.S. Supreme Court case Havens v. Coleman, which nationally affirmed the legality of testing and of fair housing organizations having standing to bring cases against those who violated the fair housing law. HOME set precedent again in 2000 by settling a lawsuit against Nationwide Insurance for alleged redlining of urban African-American neighborhoods. This settlement made homeowners insurance available in urban areas throughout the country.

Since 1989, HOME has helped more than 5,000 families acquire the knowledge and skills needed to manage their money and use credit effectively. HOME has provided more than 1,900 clients with downpayment assistance, and even at the height of the foreclosure crisis, 96% of participating families successfully avoided foreclosure. HOME's homeownership classes and pre-purchase counseling are in high demand, receiving roughly 1,500 inquiries annually.

HOME's foreclosure prevention services are in great demand and are highly successful. In fiscal year 2015, HOME's foreclosure prevention and intervention program provided counseling to 201 new clients in danger of losing their homes. In the last five years, 85% of foreclosure prevention clients were successful at avoiding foreclosure. Our foreclosure prevention program was named Best Housing Program in 2010 by then-Governor Bob McDonnell at the Governor’s Housing Conference.

HOME takes seriously its duty to provide culturally competent, person-centered services to all of its clients. Particularly over the last two years, we have worked diligently to reach out to the growing limited-English speaking and Hispanic/Latino populations in Richmond and across the commonwealth. HOME now has three full-time staff members who are fluent in Spanish. As a result of these efforts, clients may receive counseling in the language they understand best, allowing them to be full participants in their own learning and counseling experience.
CEO Statement

HOME’s legacy inspires me.  From unanimous decisions from the U.S. Supreme Court and historic wins against systemic discrimination by insurance and lending companies, to assisting thousands of individuals purchase their homes or avoid foreclosure, HOME’s four decades of success are incredible.  But our future is even brighter.

With everything we’ve accomplished, HOME’s mission to ensure equal access to housing for all people continues to be critical.  The housing crisis has made the need for our direct services to homebuyers and homeowners in distress even more important.  Discrimination in subtle and not-so-subtle ways continues to prevent housing choice and access to opportunity.  HOME continues to shine light on these realities and address them though services, investigation, and policy advocacy. 

Board Chair Statement

Areas of Service
Areas Served
Metro Richmond
Tri-cities Region
Richmond, City
Chesterfield County
Colonial Heights, City
Dinwiddie County
Goochland County
Hanover County
Henrico County
Hopewell, City
Petersburg, City
Powhatan County
Prince George County
Sussex County
Charles City County
Gloucester County
King and Queen County
Lancaster County
Louisa County
Mathews County
Middlesex County
New Kent County
Northumberland County
Hampton Roads
Northern Neck
Northern Virginia
Shenandoah Valley
Southside Virginia
Southwest Virginia
HOME operates out of Richmond, VA and serves families statewide.
Board Chair
Board Chair Ms. Christine E. Marra Esq.
Company Affiliation Virginia Poverty Law Center
Term Jan 2017 to Dec 2018
Email christie@vplc.org
Board of Directors
Board Members
Ms. Velma J. Ballard Ph.D.Department of Housing and Community Development
Mr. Victor K. Branch Bank of America
Ms. Carol N. Brown Esq.University of Richmond School of Law
Kimberly E. Dickerson WestRock Company
Ms. Marcia C. DuBois DARS/Commonwealth of Virginia
Mr. Thomas Okuda Fitzpatrick Esq.City of Richmond
Mr. Edward B. Freeman IIIEvatran
Ms. Sherrie Harris Office of U.S. Senator Tim Kaine
Mr. S. Corey Humphrey Virginia Mentoring Partnership
Mr. Chris Jefferson Ridgepointre, Inc.
Ms. Christine E. Marra Esq.Virginia Poverty Law Center
Marianne McGhee J. Sargeant Reynolds Community College
Dr. Marcia Penn Retired
Mr. Agustin E. Rodriguez Altria Client Services, Inc.
Mr. Demetrius Shambley Virginia Commonwealth University
Mrs. Sharon Stewart-Murphy Chappell Real Estate
Mr. Michael J. Thorne-Begland Altria
Terri Perry Tyson NFM Lending
Daniel P. Watkins Williams Mullen
Board Demographics - Ethnicity
African American/Black 9
Asian American/Pacific Islander 1
Caucasian 6
Hispanic/Latino 1
Native American/American Indian 0
Board Demographics - Gender
Male 9
Female 8
Unspecified 0
Board Term Lengths 3
Board Term Limits 3
Written Board Selection Criteria? Yes
Written Conflict of Interest Policy? Yes
Percentage Making Monetary Contributions 100
Percentage Making In-Kind Contributions 5
Number of Full Board Meetings Annually 4
Risk Management Provisions
Commercial General Liability
Standing Committees
Strategic Planning / Strategic Direction
Development / Fund Development / Fund Raising / Grant Writing / Major Gifts
Board Development / Board Orientation
Other Boards
The tables below contain information about other groups that advise this nonprofit on operations and projects.
Executive Director
Executive Director Heather Mullins Crislip

Heather Mullins Crislip is president and CEO of HOME. She holds a bachelor’s degree in Economics and Political Science from Mary Washington College and a J.D. from the University of Connecticut School Of Law. While living in New Haven, Conn. she directed the region’s welfare to work one-stop center and served as Assistant to the Mayor for Policy Analysis where she worked on workforce development and homeownership issues. In New Haven, she also oversaw a large investigation to assess the region’s compliance with the Fair Housing Act, conducting analyses of impediments and making recommendations to improve the education, outreach and enforcement of fair housing laws. After moving to Honolulu, Heather served as the Chief of Staff to a Hawaii state senator and the Chief of Staff and Executive Assistant to the Chancellor of the University of Hawaii, where she oversaw all external relations and advocated for the University’s legislative agenda in the state legislature. 


In 2009, Heather oversaw the bipartisan policy projects for the Miller Center at the University of Virginia for former Governor Gerald Baliles. She also served as the Staff Director of the Goode National Transportation Policy Project, which was honored by President Obama in a Rose Garden ceremony in 2010 and described as a “landmark” policy report by the Washington Post.

Heather provides HOME with a wealth of legal, policy, fund development, communications and leadership expertise. 

Former CEOs
Ms. Constance Chamberlin Jan 1988 - Dec 2011
Mr. Kent Willis Aug 1978 - Dec 1988
Senior Staff
Mike Burnette Director of Communications
Alex Guzmán Director of Fair Housing
Helen Hardiman Vice President of Law and Policy
Andrew Haugh CFO
Brenda Hicks Director, Center for Housing Counseling & Education
Brian Koziol Director of Research
Monica Mack Grants Manager
Full Time Staff 21
Part Time Staff 1
Volunteers 82
Contractors 0
Retention Rate 90
Organization has a Fundraising Plan? Yes
Organization has a Strategic Plan? Yes
Years Strategic Plan Considers 2
Date Strategic Plan Adopted June 2012
Management Succession Plan? Yes
Organization Policy and Procedures Yes
Nondiscrimination Policy Yes
Whistleblower Policy Yes
Document Destruction Policy Yes
Directors and Officers Insurance Policy Yes
Best Housing OrganizationGovernor's Housing Conference2006
Best Housing ProgramGovernor's Housing Conference2010

HOME’s Center for Fair Housing protects the housing choices of all people by assisting and protecting victims of housing discrimination, investigating fair housing violations, and educating consumers and the housing industry.  


Population Served At-Risk Populations
Budget $515,078.00
Short Term Success In the past year, the Center for Fair Housing has conducted 154 fair housing intakes and as a direct result, the center opened 67 fair housing investigations. HOME also conducted more than 89 on-site rental, design and construction, and lending tests. Some of this testing was tailored to the lesbian, gay, bisexual, and transgender community that is facing housing discrimination while not being a protected class. The Center also conducted 30 fair housing trainings for consumers including sessions taught in Spanish for the increasing Latino population in Virginia and providers of homeless services and shelters. After being awarded a Fair Housing Initiatives Program (FHIP) grant in late 2014, the Center has been able to increase its capacity in performing more complex tests, such as design and construction and lending, and serving as an advocate for consumers with reasonable accommodations and modifications. The Center has been able to advocate for people with mental disabilities by preventing evictions (based on their mental disability), which has contributed to reducing the cycle of homelessness in the Richmond metro region.
Long Term Success

The program’s goal is to enforce rights and to be free from unlawful housing discrimination while educating consumers and industry professionals on their fair housing rights and responsibilities. The Center for Fair Housing aims to raise awareness of the protected classes under fair housing law and reach out to those facing housing discrimination based on one of these characteristics: race, color, religion, national origin, elderliness, familial status, gender, and disability. The Center has made a significant impact in the Richmond metro region through education and filing fair housing complaints after thorough investigations. The Center has identified increasing our visibility as a goal to reach in underserved rural and metro areas, such as Hampton Roads and northern Virginia, which we will achieve by speaking with consumers in these areas who are unaware of their rights and how to assert them.


HOME’s homeownership team helps families become successful, long-term homeowners through group education and individual counseling sessions that cover all aspects of buying, sustaining, and protecting their investment. Educating families on sound money management skills is another key component.  Additionally, HOME’s down payment assistance helps families take an important step to building wealth and obtaining the American dream.

Since 1991, 1,905 families have received downpayment assistance for a total local economic impact of $91,475,776. Five years after purchase, 96 percent of our homeowners have successfully maintained their mortgages.

Population Served Adults
Budget $1,084,519.00
Short Term Success

In the coming year, HOME anticipates providing 300 individuals with credit repair, personal financial management or asset building services. The program will continue to increase homeownership among low-income families, giving those families an opportunity to build assets, but also educating families on how to protect and maintain their investment, practice sound money management skills and avoid predatory lenders.

In conjunction with its homebuyer counseling and education, HOME offers monthly workshops on Money Management and Credit repair and educates potential homebuyers about the financial practices necessary to purchase a house and sustain homeownership long-term.

HOME will continue to provide down payment and closing cost assistance to low-and-moderate income families who have completed its homeownership education and counseling program, and who have the cash flow necessary to handle future mortgage payments.

Long Term Success

HOME works to ensure equal access to housing opportunities by stopping the growing disparity in homeownership rates across racial/ethnic lines by promoting equal access to this wealth-building opportunity. HOME educates targeted low-and-moderate income and minority groups in particular who are in need of education regarding finances & predatory lending to secure long term sustainable homeownership.

HOME increases homeownership rates & wealth-building potential in low & moderate income families. 87% of those served are at or below 80% AMI. Recent studies from the Institute on Assets & Social Policy show that homeownership is the single largest contributor to wealth-building.


HOME’s foreclosure prevention and intervention program is the largest and most comprehensive program in Virginia. The level of expertise and sophistication of our staff have also made our program the most highly respected in the state. HOME’s trained foreclosure intervention specialists evaluate the situation of the borrower, collect essential data on the actual condition of their mortgage loan, and negotiate with lenders and servicers to develop an alternative to foreclosure that leads to a performing loan and keeps the borrower in their home. Since 1989, we have counseled more than 5,000 families. In the last five years, 85 percent of our clients have successfully avoided foreclosure.

Population Served At-Risk Populations
Budget $229,236.00
Short Term Success

In the coming year, HOME anticipates it will serve 200 individuals with its foreclosure prevention and intervention services. HOME also plans to escalate its outreach endeavors to boost participation in its Foreclosure Prevention program to help even more Virginians keep their homes. In addition to providing individual foreclosure prevention counseling and education, HOME also provides foreclosure information to a large number of individuals utilizing its extensive website and various other outreach methods through publications.


Long Term Success

HOME aims to create strong, stable and economically viable communities through homeowner retention. For every foreclosure and subsequent vacant house in a neighborhood, it's estimated that the value of surrounding homes declines by about 1.8%. HOME’s mitigation of foreclosures will keep families in their homes and prevent the long-term decline of surrounding property values and the locality’s tax base. In the last five years, 85 percent of our clients have successfully avoided foreclosure.


HOME’s research team conducts meaningful, systemic fair housing   research and presents statewide  analyses and trends. As consultants,   this team leverages HOME’s national reputation in fair housing, as well as our staff, to produce revenue for the organization while maintaining our mission focus. HOME’s policy endeavors create change in the housing systems that drive economic, educational, and social opportunities. HOME researches key housing issues and builds partnerships to help influence legislative measures at Virginia’s General Assembly.



Population Served Adults
Budget $185,963.00
Short Term Success

Long Term Success


The Move to Opportunity Program is about doing just what its name suggests: helping families with Housing Choice Vouchers move to neighborhoods with better opportunities. Where you live impacts nearly every facet of your life, including where you work, where you shop for groceries, and where your children go to school. Simply being closer to your job, or having your children enrolled in a good school, can make all the difference in your quality of life. By working closely with landlords and by empowering voucher holders with the knowledge and tools to become a good tenant, we can help ensure voucher holders find a home in a neighborhood that is right for them and their family.

Population Served At-Risk Populations
Budget $200,000.00
Short Term Success

HOME educates and counsel families to be responsible tenants, encourage them to seek housing in neighborhoods of opportunities, and provide support for families and their landlords following the move. The families that completed the Mobility Program on averaged moved to neighborhoods of opportunity with a 17% poverty rate.

Long Term Success

We believe that where you live makes all the difference and have a long-term goal of deconcentrating poverty.  Therefore, we also believe that this program will help transform voucher holder lives and the lives of their children by offering a better life in a neighborhood full of more opportunities including: better job opportunities, good schools, lower crime and more access to healthier amenities. A 2015 long-term study released by Harvard University on the causal effect of growing up poor in different localities supports this notion.   


Fiscal Year
Projected Revenue $2,792,890.00
Projected Expenses $2,792,890.00
Endowment Value $7,998,000.00
Spending Policy Percentage
Percentage (if selected) 5
Form 990s
IRS Letter of Exemption
Detailed Financials
Revenue SourcesHelpThe financial analysis involves a comparison of the IRS Form 990 and the audit report (when available) and revenue sources may not sum to total based on reconciliation differences. Revenue from foundations and corporations may include individual contributions when not itemized separately.
Fiscal Year201620152014
Foundation and
Corporation Contributions
Government Contributions$1,330,404$1,230,581$1,316,212
Individual Contributions$1,022,118$1,158,529$52,679
Investment Income, Net of Losses$406$552$366
Membership Dues------
Special Events------
Revenue In-Kind----$5,555
Expense Allocation
Fiscal Year201620152014
Program Expense$2,439,904$2,278,205$2,174,859
Administration Expense$160,574$135,558$205,276
Fundraising Expense$84,907$95,750$135,276
Payments to Affiliates------
Total Revenue/Total Expenses1.160.980.94
Program Expense/Total Expenses91%91%86%
Fundraising Expense/Contributed Revenue3%4%6%
Assets and Liabilities
Fiscal Year201620152014
Total Assets$1,314,346$859,272$900,647
Current Assets$1,289,209$848,600$882,586
Long-Term Liabilities$14,641$26,046$32,610
Current Liabilities$252,911$217,397$210,571
Total Net Assets$1,046,794$615,829$657,466
Short Term Solvency
Fiscal Year201620152014
Current Ratio: Current Assets/Current Liabilities5.103.904.19
Long Term Solvency
Fiscal Year201620152014
Long-Term Liabilities/Total Assets1%3%4%
Capital Campaign
Currently in a Capital Campaign? No
Capital Campaign Anticipated in Next 5 Years? No
State Charitable Solicitaions Permit
Solicitations Permit
Solicitations Permit Application Confirmation 5/2016View
Foundation Comments
  • Audits are consolidated and represent the combined financial position of Housing Opportunities Made Equal and its affiliated organization, the Virginia Equal Housing Foundation.
  • Form 990s represent solely the financial position of Housing Opportunities Made Equal.