Homes for HOPE 
The information on this page was last updated 6/13/2025. If you see errors or omissions, please email: [email protected]
Summary
Building industry partners donate funds generated from domestic building projects to Homes for HOPE, enabling us to support biblically based training, savings services, and loans that restore dignity and break the cycle of poverty.
Contact information
Mailing address:
Homes for HOPE
227 Granite Run Dr.
Ste. 250
Lancaster, PA 17601
Website: homes4hope.org
Phone: 717-464-3220
Email: [email protected]
Organization details
EIN: 208825926
CEO/President: Matthew Baehr
Chairman: Matthew Morris
Board size: 9
Founder: Jeff Rutt
Ruling year: 2008
Tax deductible: Yes
Fiscal year end: 12/31
Member of ECFA: Yes
Member of ECFA since: 2025
Purpose
Homes for HOPE exists to love God and love others.
Mission statement
Homes for HOPE partners with the building industry to invest in under served families around the world for their holistic flourishing unto the glory of God.
Statement of faith
Donor confidence score
Transparency grade
A
To understand our transparency grade, click here.
Financial efficiency ratings
Sector: Community Development
| Category | Rating | Overall rank | Sector rank |
| Overall efficiency rating | | 772 of 1134 | 66 of 110 |
| Fund acquisition rating | | 956 of 1134 | 79 of 110 |
| Resource allocation rating | | 455 of 1134 | 47 of 110 |
| Asset utilization rating | | 623 of 1134 | 55 of 110 |
Financial ratios
| Funding ratios | Sector median | 2023 | 2022 | 2021 | 2020 | 2019 |
Return on fundraising efforts Return on fundraising efforts = Fundraising expense / Total contributions | 8% | 12% | 11% | 11% | 6% | 13% |
Fundraising cost ratio Fundraising cost ratio = Fundraising expense / Total revenue | 5% | 10% | 10% | 10% | 5% | 11% |
Contributions reliance Contributions reliance = Total contributions / Total revenue | 90% | 89% | 94% | 92% | 94% | 83% |
Fundraising expense ratio Fundraising expense ratio = Fundraising expense / Total expenses | 5% | 11% | 10% | 9% | 8% | 8% |
Other revenue reliance Other revenue reliance = Total other revenue / Total revenue | 10% | 11% | 6% | 8% | 6% | 17% |
| Operating ratios | Sector median | 2023 | 2022 | 2021 | 2020 | 2019 |
Program expense ratio Program expense ratio = Program services / Total expenses | 83% | 84% | 84% | 86% | 86% | 87% |
Spending ratio Spending ratio = Total expenses / Total revenue | 100% | 96% | 101% | 115% | 70% | 142% |
Program output ratio Program output ratio = Program services / Total revenue | 82% | 81% | 85% | 99% | 60% | 123% |
Savings ratio Savings ratio = Surplus (deficit) / Total revenue | 0% | 4% | -1% | -15% | 30% | -42% |
Reserve accumulation rate Reserve accumulation rate = Surplus (deficit) / Net assets | 0% | 4% | -1% | -6% | 15% | -13% |
General and admin ratio General and admin ratio = Management and general expense / Total expenses | 11% | 5% | 5% | 5% | 6% | 6% |
| Investing ratios | Sector median | 2023 | 2022 | 2021 | 2020 | 2019 |
Total asset turnover Total asset turnover = Total expenses / Total assets | 0.96 | 0.74 | 0.65 | 0.41 | 0.34 | 0.39 |
Degree of long-term investment Degree of long-term investment = Total assets / Total current assets | 1.96 | 1.13 | 1.16 | 1.09 | 1.09 | 1.10 |
Current asset turnover Current asset turnover = Total expenses / Total current assets | 2.23 | 0.84 | 0.75 | 0.45 | 0.38 | 0.43 |
| Liquidity ratios | Sector median | 2023 | 2022 | 2021 | 2020 | 2019 |
Current ratio Current ratio = Total current assets / Total current liabilities | 13.64 | 9.13 | 9.01 | 16.27 | 528.18 | 8.75 |
Current liabilities ratio Current liabilities ratio = Total current liabilities / Total current assets | 0.07 | 0.11 | 0.11 | 0.06 | 0.00 | 0.11 |
Liquid reserve level Liquid reserve level = (Total current assets - Total current liabilities) / (Total expenses / 12) | 4.90 | 12.69 | 14.19 | 25.06 | 31.89 | 24.93 |
| Solvency ratios | Sector median | 2023 | 2022 | 2021 | 2020 | 2019 |
Liabilities ratio Liabilities ratio = Total liabilities / Total assets | 10% | 10% | 10% | 6% | 0% | 10% |
Debt ratio Debt ratio = Debt / Total assets | 0% | 0% | 0% | 0% | 0% | 0% |
Reserve coverage ratio Reserve coverage ratio = Net assets / Total expenses | 83% | 121% | 140% | 230% | 291% | 231% |
Financials
| Balance sheet | |||||
| Assets | 2023 | 2022 | 2021 | 2020 | 2019 |
| Cash | $538,181 | $373,733 | $473,060 | $263,989 | $188,229 |
| Receivables, inventories, prepaids | $3,399,131 | $3,313,138 | $3,309,693 | $3,515,632 | $3,370,444 |
| Short-term investments | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $3,937,312 | $3,686,871 | $3,782,753 | $3,779,621 | $3,558,673 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 |
| Fixed assets | $0 | $0 | $0 | $0 | $0 |
| Other long-term assets | $517,048 | $599,348 | $355,864 | $355,864 | $355,864 |
| Total long-term assets | $517,048 | $599,348 | $355,864 | $355,864 | $355,864 |
| Total assets | $4,454,360 | $4,286,219 | $4,138,617 | $4,135,485 | $3,914,537 |
| Liabilities | 2023 | 2022 | 2021 | 2020 | 2019 |
| Payables and accrued expenses | $431,292 | $409,075 | $232,435 | $7,156 | $406,576 |
| Other current liabilities | $0 | $0 | $0 | $0 | $0 |
| Total current liabilities | $431,292 | $409,075 | $232,435 | $7,156 | $406,576 |
| Debt | $0 | $0 | $0 | $3,500 | $0 |
| Due to (from) affiliates | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $0 | $0 | $0 | $0 | $0 |
| Total long-term liabilities | $0 | $0 | $0 | $3,500 | $0 |
| Total liabilities | $431,292 | $409,075 | $232,435 | $10,656 | $406,576 |
| Net assets | 2023 | 2022 | 2021 | 2020 | 2019 |
| Without donor restrictions | $4,023,068 | $3,877,144 | $3,906,182 | $4,124,829 | $3,507,961 |
| With donor restrictions | $0 | $0 | $0 | $0 | $0 |
| Net assets | $4,023,068 | $3,877,144 | $3,906,182 | $4,124,829 | $3,507,961 |
| Revenues and expenses | |||||
| Revenue | 2023 | 2022 | 2021 | 2020 | 2019 |
| Total contributions | $3,065,127 | $2,570,889 | $1,369,844 | $1,908,643 | $884,627 |
| Program service revenue | $0 | $0 | $0 | $0 | $0 |
| Membership dues | $0 | $0 | $0 | $0 | $0 |
| Investment income | $394,947 | $171,544 | $111,565 | $127,969 | $182,143 |
| Other revenue | $0 | $0 | $0 | $0 | $0 |
| Total other revenue | $394,947 | $171,544 | $111,565 | $127,969 | $182,143 |
| Total revenue | $3,460,074 | $2,742,433 | $1,481,409 | $2,036,612 | $1,066,770 |
| Expenses | 2023 | 2022 | 2021 | 2020 | 2019 |
| Program services | $2,791,936 | $2,340,968 | $1,467,945 | $1,216,560 | $1,312,361 |
| Management and general | $169,559 | $145,813 | $87,553 | $91,835 | $86,962 |
| Fundraising | $352,655 | $284,690 | $144,558 | $111,349 | $117,667 |
| Total expenses | $3,314,150 | $2,771,471 | $1,700,056 | $1,419,744 | $1,516,990 |
| Change in net assets | 2023 | 2022 | 2021 | 2020 | 2019 |
| Surplus (deficit) | $145,924 | ($29,038) | ($218,647) | $616,868 | ($450,220) |
| Other changes in net assets | $0 | $0 | $0 | $0 | $0 |
| Total change in net assets | $145,924 | ($29,038) | ($218,647) | $616,868 | ($450,220) |
Compensation
| Name | Title | Compensation |
| Matthew Baehr | Executive Director | $120,821 |
Compensation data as of: 12/31/2023
Response from ministry
No response has been provided by this ministry.
The information below was provided to MinistryWatch by the ministry itself. It was last updated 6/13/2025. To update the information below, please email: [email protected]
History
Following the collapse of the Soviet Union in the early 1990s, Jeff Rutt-three-time winner of the NAHB America's Best Builder award-traveled to Ukraine numerous times with his church, transporting containers of food, clothing, and medical supplies to the city of Zaporizhzhia. After several visits, their Ukrainian host, Pastor Petrenko, pulled Jeff aside and told him candidly that the shipments were not helping. Though people were accessing needed supplies, they had become dependent on their charity. Local businesses could not compete with the free handouts. Pastor Petrenko asked Jeff: "Isn't there a way you can help us help ourselves?"
Emboldened by Pastor Petrenko's challenge, Jeff founded HOPE International in 1997. Using profits from one of Jeff's home sales, HOPE issued loans of about $500 each to 12 entrepreneurs, who then invested these loans in their businesses and repaid HOPE-with interest. The local staff in Ukraine called Jeff and said they had good news and bad news. The good news was that they had many men and women ready to take out loans to invest in their businesses. The bad news was that they were going to need a lot more funding.
Jeff began making calls to all of his trades, vendors, and business partners. "Instead of asking for a check, I asked them if they would donate their profit on a job," he explains. With this model, the Homes for HOPE mission was born.
Officially incorporated as a separate 501(c)3 nonprofit organization in 2005, Homes for HOPE invites members of the building industry to empower fellow entrepreneurs in underserved communities through sustainable solutions to material and spiritual poverty. All donations given to Homes for HOPE go directly to the work of HOPE International, enabling families to break the cycle of generational poverty in all its forms.
Jeff shares, "This is a great way for people to help-these people are doing what they are talented at doing: running front-end loaders, putting up drywall, designing a structure, or choosing the right appliances. They're able to help transform somebody's life on the other side of the world by doing what they do for a living right here."
While HOPE was originally founded to reach one Ukrainian community, Jeff's dream for HOPE began to grow as the first entrepreneurs successfully built sustainable businesses, provided for their families, and repaid their funds with interest.
Today HOPE has invested in the dreams of over 2.5 million men and women around the world, serving them with opportunities for discipleship, biblically based training, a safe place to save, and loans.