Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Classes are offered in both English and Spanish. Visit their website or call for a schedule. The classes include the following topics: - Making the home purchase decision - Your credit report and what it means - What lenders expect from borrowers - Understanding real estate terms - Roles of the real estate agent - Finding a home you can afford - Financial planning and money management - Maintaining your new home - Predatory lending Eligible participants may also qualify for a Home Buyer Loan for closing costs: - CHB Loans at 0% interest with no monthly payments - Repayment is due on sale or refinancing of the home or if the home is no longer the buyer's primary residence - Funds are subject to availability - Program requirements are

Provides housing counseling services to help homeowners avoid foreclosure and other housing issues. Some services include: homebuyer education, credit recovery, loss mitigation, rental counseling, first time homebuyer education and first-time homebuyer down payment assistance.

Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them. Also assists homeowners seeking loans and grants to make improvements to their homes.

Offers connection to supportive services to individuals and families experiencing and at risk of homelessness. Services include: Emergency Shelter Services, Safe Haven, Transitional Housing, Permanent Supportive Housing, Shelter Plus Care, and Homeless Prevention Programs.

Builds, rehabilitates houses, and sells them. Provides training in home ownership skills. Seeks volunteers for construction, community service, and our ReStore.

Provides legal services for individuals who are facing eviction or experiencing difficulty maintaining secure, affordable housing.

Offers a range of programs to ensure that consumers have access to housing and understand their rights under fair housing laws. Services include counseling on the rights protected under fair housing laws, information on how to recognize and report violations, information on legal options and assistance with the legal process, random testing to ensure regional compliance with fair housing laws, technical assistance, and comprehensive education programs.

Provides education on predatory lending practices, One on One counseling (lasts 2 hours), First Time Homebuyer Workshops (six hour class), local experts present on relevant topics.

Allows low and middle-income persons to buy a home of their own. CAADC first buys and renovates the home. All homes in the program are completely rehabilitated and meet or exceed local codes. In most cases, the homes have all new plumbing, heating and electrical systems as well as new kitchens, baths, flooring, windows and more.

Offers home buying counseling to help people meet the necessary qualifications to achieve homeownership for the first time. Serving as the bridge between the lender and the client by translating complex mortgage terminology into client-friendly language.

Provides real estate and housing counseling services. Offers advice and services in the areas of pre and post purchase, pre and post rental, mortgage default/ delinquency/ foreclosure, anti-predatory lending, rental default, reverse mortgage counseling/ certification, and housing consumer education.

Reserves new and renovated homes for sale to people in the low to moderate income range as defined by HUD. Homebuyer counseling is also available.

Works with clients past the fulfillment of basic needs to provide the support necessary for clients to achieve long-term stability. Offers a variety of long-term support, education, and counseling services on topics such as budgeting and buying a home. Also offers an intervention program for male perpetrators involved in domestic violence, as well as several specialized permanent supportive housing programs for chronically homeless individuals and families.

Offers to build homes for families in need. Volunteer labor and charitable gifts ensure our homes are affordable to low income families. Family members have sweat equity by assisting with volunteer labor.

Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, under-employment, or medical reasons. Also helps those who are looking to become homeowners with monthly workshops, financial counseling, and closing cost assistance grants.

Encourages and assists families to become self-sufficient. Participants are assigned a coordinator to help them set and reach goals related to becoming self-sufficient, such as receiving more education, job training, help with childcare, a career, home ownership, and any other goals they may have. Offers a financial incentive to families through an escrow account (see Helpful Tips for more information).

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

IDA Program provides Individual Development Accounts (IDAs) to individuals who are first time home buyers. It is a structured savings program that provides matching funds for participants who meet a savings goal and complete financial education. First time home buyers who save $2,000, complete 6 hours of financial literacy education, and participate in 5 hours of housing counseling are eligible to receive $4,000 in matching funds. Funds may be used for down payment or closing costs.

Provides services to improve the lives of Hispanics in the region, increase the Hispanic population, support existing and new Hispanic businesses, and increase Hispanic investment in the region.

Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.

Provides individual counseling sessions are offered to prepare potential homeowners for buying first home.

Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Classes are offered in both English and Spanish. Visit their website or call for a schedule. The classes include the following topics: - Making the home purchase decision - Your credit report and what it means - What lenders expect from borrowers - Understanding real estate terms - Roles of the real estate agent - Finding a home you can afford - Financial planning and money management - Maintaining your new home - Predatory lending Eligible participants may also qualify for a Home Buyer Loan for closing costs: - CHB Loans at 0% interest with no monthly payments - Repayment is due on sale or refinancing of the home or if the home is no longer the buyer's primary residence - Funds are subject to availability - Program requirements are

Provides assistance and counseling to homeowners to help make monthly mortgage payments for a maximum term of 15 years on a mortgage loan of 20 years or more. Mortgage loans for less than 20 years may be subsidized for a maximum term of 10 years. Program available to HUD's Housing Choice voucher recipients.