- Homeowners' Emergency Mortgage Assistance Program: Provide assistance to homeowners at risk of losing their home to sheriff’s sale - Home Ownership Counseling Program: Provides seminars for first time homebuyers. Certificate presented at completion to help acquire lower interest loans. Call for schedule: held 7 times per year. Offered at various locations in both counties.

Rental Counseling

• Housing Counseling
• Financial Counseling Counselors work with individuals of all income levels to help them meet their financial goals - whether it's securing an affordable rental, purchasing their first home or building a savings. Counselors often work with clients to avoid foreclosure, understand their rights as renters, or help them navigate the complex process of becoming a homeowner.

Housing Case Management Services helps low income families find affordable housing with housing referrals and counseling on budgeting and tenancy readiness. Limited funds available for rental assistance on a case by case basis.

**NOTES** Office is closed but they can be reached by phone or email until furher notice. Handles complaints when people feel they have been discriminated against because of their race, color, religion,ancestry, sex, age, national origin, familial status or disability in the area of housing. Examples of cases include: 1. Refusal to rent to a prospective tenant because of race, color, etc. 2. Charging additional rent due to race, color, etc. 3. Requiring a rental agreement or lease which provides that the tenant shall remain childless or may not maintain a household with a person of a certain age 4. Failing to allow a service/support animal for a person with a disability in an apartment or house with a no pet policy. 5. Not allowing a tenant with a disability that receives social security disability payments the reasonable accommodation of paying rent at a date later than the first of each month when a tenant receives their check after the first. Produces a series of housing rights and responsibilities materials as well as offers private consultations for individuals seeking to understand their specific housing situation. The center also provides educational information on an individual basis and through agency seminars. Also presents "Fair Housing 101", a free, one hour training course that provides discussion and information on fair housing laws and their application.

**NOTES** Office is closed but they can be reached by phone or email until furher notice. Handles complaints when people feel they have been discriminated against because of their race, color, religion,ancestry, sex, age, national origin, familial status or disability in the area of housing. Examples of cases include: 1. Refusal to rent to a prospective tenant because of race, color, etc. 2. Charging additional rent due to race, color, etc. 3. Requiring a rental agreement or lease which provides that the tenant shall remain childless or may not maintain a household with a person of a certain age 4. Failing to allow a service/support animal for a person with a disability in an apartment or house with a no pet policy. 5. Not allowing a tenant with a disability that receives social security disability payments the reasonable accommodation of paying rent at a date later than the first of each month when a tenant receives their check after the first. Produces a series of housing rights and responsibilities materials as well as offers private consultations for individuals seeking to understand their specific housing situation. The center also provides educational information on an individual basis and through agency seminars. Also presents "Fair Housing 101", a free, one hour training course that provides discussion and information on fair housing laws and their application.

Provide assistance with securing and maintaining affordable housing by teaching the skills necessary for home ownership. We also provide one-on-one counseling for those families facing mortgage difficulties or foreclosure.