Four Rivers Housing Opportunities Inc
Four Rivers Housing Opportunities Inc is a private foundation based in Beloit, Kansas. Its 2024 filing describes grants to help with home-purchase closing costs and a down payment assistance loan program; both are dependent on funding availability.
Four Rivers Housing Opportunities Inc at a glance
In short: Four Rivers Housing Opportunities Inc gave $33K across 13 grants in 2024 (avg $3K), mostly in Kansas. Source: 2024 IRS Form 990-PF.
- Annual giving (2024)
- $32,500
- Grants made (2024)
- 13
- Average grant
- $2,500
- Median grant
- $2,500
- Total assets
- $483,073
- +3.7% vs 2023
- Primary geography
- Kansas (100% of itemized 2024 grant dollars)
- Latest 990 filing
- Form 990-PF, 2024 View filing
Data from IRS Form 990-PF, 2024; updated October 2026.
How to apply to Four Rivers Housing Opportunities Inc
- How to Apply
-
The filing says a fillable PDF application is provided by email. Applicants are directed to contact Keegan Bailey. Awards are subject to available funds and are limited to purchases of homes costing $50,000 or more, including existing, manufactured, or new construction. Financing must be through a bank with a physical location in the North Central Regional Planning Commission (NCRPC) 8-county primary service area. Funds are limited and awarded first come, first served; borrowers must meet the bank’s loan qualifications and have a credit score of 700 or higher from a national credit bureau source. First-time homebuyers must complete homeownership education.
- Review Cycle
- The filing states that applications are due on or before March 31, subject to availability of funds.
- Deadline
- The filing states that applications are due on or before March 31, subject to availability of funds.
- Contact
Application contact: Keegan Bailey
Mailing address: PO Box 565, Beloit, KS 67420
Phone: (785) 738-2218
Email: homeownership@ncrpc.org
Application details from Grantable's research on the foundation's public materials; confirm on its website before applying.
Who Four Rivers Housing Opportunities Inc funds
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2024
The largest 2024 recipient was Austin Becker & Breanna Rose ($3K). Together the top 10 received $25K.
Grant Size Distribution
23 grants across all recorded years
The most common grant size was under $50K: 23 grants of 23 (100%).
Geographic Focus
Where this funder awards grants
All 2024 grant dollars went to recipients in Kansas. The filing’s eligibility rules require financing through a bank physically located in the NCRPC 8-county primary service area.
Grant Distribution by State
Share of 2024 grant dollars across all 13 itemized grants.
States
Cities
How Four Rivers Housing Opportunities Inc gives
- In 2024 it paid out well above its IRS minimum distribution (the 5% rule). Method
From the foundation's IRS Form 990-PF filings. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2022 to 2024, annual grant giving ranged from $25K (2022) to $33K (2024). In 2024 it made 13 grants totaling $33K.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Austin Becker & Breanna Rose Axtell, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Michael & Robin Downard Marysville, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Haley Finley Marysville, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Matthew & Kori Lobdell Axtell, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Dionis Pena & Yilian Avila Axtell, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Shawn Roeder Blue Rapids, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Liam & Malari Schroller Blue Rapids, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Reid Shipman Waterville, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Emma Tryon Waterville, KS | Pay for the closing costs when purchasing a home | $2,500 |
| Samuel & Sofia Gallup Clay Center, KS | Pay for the closing costs when purchasing a home | $2,500 |
Ready to take the next step with Four Rivers Housing Opportunities Inc?
Financial History
Multi-year comparison from IRS filings
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Qualifying Distributions | Net Investment Income | Distributable Amount |
|---|---|---|---|---|---|---|---|---|
| 2024 | $483,073 | $51,666 | $34,363 | $32,500 | 13 | $164,325 | $9,828 | $10,787 |
| 2023 | $465,770 | $110,314 | $9,768 | — | — | $9,572 | $10,018 | $10,689 |
| 2022 | $365,224 | $132,011 | $26,552 | $25,000 | 10 | $126,520 | $6,079 | $7,672 |
| 2021 | $259,765 | $6,411 | $2,364 | — | — | — | $204 | — |
| 2020 | $255,718 | $116,228 | $5,736 | — | — | — | $174 | — |
Under IRS private-foundation payout rules, Four Rivers Housing Opportunities Inc reported a distributable amount of $11K for 2024 — the minimum it must pay out in qualifying distributions.
Research compiled by Grantable AI from public sources. Last updated September 2026.
Mission & Focus Areas
No mission statement is provided. The foundation’s 2024 filing describes grants for home-purchase closing costs and down payment assistance loans. It reports that 13 loans were made during the tax year.
Grantmaking
In 2024, the foundation reported 13 grants totaling $32,500. Each was $2,500. The filing names recipients in Kansas, including Austin Becker and Breanna Rose in Axtell, Michael and Robin Downard and Haley Finley in Marysville, and Samuel and Sofia Gallup in Clay Center; each named grant was for home-purchase closing costs.
Leadership & Key People
Leadership team and compensation from IRS filings
The 2024 filing lists John Shea as president, Keegan Bailey as treasurer, Debra Peters as secretary, and Emily Benedick as chairman.
Four Rivers Housing Opportunities Inc is led by John Shea, President on every filing since 2023; none of the 4 officers listed in 2024 report compensation.
Officers on the 2024 filing
John Shea
President
On filings since 2023
1 hr/week
No compensation reported
Emily Benedick
Chairman
President → Chairman, 2022
On filings since 2021
1 hr/week
No compensation reported
Debra Peters
Secretary
On filings since 2020
1 hr/week
No compensation reported
Keegan Bailey
Treasurer
On filings since 2021
1 hr/week
No compensation reported
Former officers (7)
- Former: John Cyr (2022) — President
- Former: David Walters (2020–2021) — Board Member
- Former: Lynn Mayer (2020–2021) — Board Member
- Former: Vicki Steffens (2021) — Director
- Former: Brian Eilert (2020) — Director
- Former: Carol Torkelson (2020) — Treasurer
- Former: Douglas L. McKinney (2020) — President
Data from IRS Form 990 filings, 2020–2024. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Frequently asked questions about Four Rivers Housing Opportunities Inc
How much does Four Rivers Housing Opportunities Inc give each year?
Four Rivers Housing Opportunities Inc gave $33K across 13 grants in 2024, according to its 2024 IRS Form 990-PF.
What is Four Rivers Housing Opportunities Inc's typical grant size?
Four Rivers Housing Opportunities Inc's median grant in 2024 was $2,500, and its average grant was $2,500, across 13 grants on its 2024 IRS Form 990-PF.
Where does Four Rivers Housing Opportunities Inc give grants?
Four Rivers Housing Opportunities Inc gives mostly in Kansas: 100% of the grant dollars itemized on its 2024 IRS Form 990-PF went to recipients there. The most frequent recipient cities were Axtell, KS (3 grants), Marysville, KS (3 grants), Blue Rapids, KS (2 grants) and Waterville, KS (2 grants).
Does Four Rivers Housing Opportunities Inc give general operating support?
Not in 2024: none of the 13 grants with a stated purpose on Four Rivers Housing Opportunities Inc's 2024 IRS Form 990-PF were described as general or operating support. Recurring purposes include "Pay for the Closing Costs When Purchasing a Home" (13 grants).
Who are Four Rivers Housing Opportunities Inc's largest grantees?
Four Rivers Housing Opportunities Inc's largest 2024 grantees include Austin Becker & Breanna Rose ($2,500), Michael & Robin Downard ($2,500) and Haley Finley ($2,500), according to its 2024 IRS Form 990-PF. Together they received 23% of its itemized 2024 grant dollars.
How large is Four Rivers Housing Opportunities Inc?
Four Rivers Housing Opportunities Inc reported $483K in total assets on its 2024 IRS Form 990-PF. It paid out $164K in qualifying distributions that year, against a required minimum of $11K (roughly 5% of its investment assets).
What does Four Rivers Housing Opportunities Inc fund?
No mission statement is provided. The foundation’s 2024 filing describes grants for home-purchase closing costs and down payment assistance loans. It reports that 13 loans were made during the tax year. See mission & focus areas ↑
How do I apply for a grant from Four Rivers Housing Opportunities Inc?
The filing says a fillable PDF application is provided by email. Eligibility and process details are in the grantmaking section of this profile. See how to apply ↑
What is Four Rivers Housing Opportunities Inc's EIN?
Four Rivers Housing Opportunities Inc's EIN (Employer Identification Number) is 83-1096107. IRS Form 990 filing data is available on this page for 2020–2024.
Data last updated October 2026. Sourced from IRS Form 990-PF filings. Research dossier generated September 2026.
Data update history
(1)
When this profile's IRS filing data changed on Grantable
- IRS filings on file for fiscal years 2020–2024
Live grants for the work Four Rivers Housing Opportunities Inc funds
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