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the main towns of Silverthorne, Frisco, Dillon, Breckenridge, Blue River and Montezuma. The agency works with the Colorado Housing Finance Agency (CHFA), the Colorado Division of Housing and the Colorado Association of Realtors Housing Opportunity Foundation (CARHOF). The main goal of Summit County HA is to address the problems of the housing shortage and high cost housing market in the county. The agency provides down payment assistance besides housing counseling services. Other services the agency provides include mortgage default, rent delinquency, post occupancy and money management counseling. Summit County HA administers the Section 8 Rental Assistance and Family Self Sufficiency. The agency works in conjunction with the incorporated towns and the Summit County Government to address the housing needs.

CONNECTICUT

Neighborhood Housing Services of New Britain, Inc. (NHS) New Britain, CT $17,340 NHS was originally created in 1978 to assist owner-occupants of 1-4 family units in repairing and improving their homes. NHS continues to believe that the quality, stability and viability of the American neighborhood remains dependent on a safe environment, a sound economic base, a fair market value, and a sense of community. Services provided include: homeownership counseling, post-purchase counseling, credit counseling and Land Lording 101.

DELAWARE

Community Housing, Inc. (CHI) Wilmington, DE $14,578 Community Housing Inc. has been actively involved in housing counseling since 1973. It has counseled more than 1500 families and individuals, including over 500 clients who became first-time homebuyers in the last five years. During the past 25 years, the agency has helped over 9000 families avoid mortgage foreclosure. The agency’s housing counseling staff of two delivers housing counseling assistance primarily to Delaware area residents. The housing counseling program delivered by CHI includes pre-purchase counseling, default counseling, reverse mortgage counseling and a security deposit program designed to assist renters desirous of vacating substandard or overcrowded housing conditions. CHI offers extensive first-time homebuyer services. For example, the Express Program, consisting of two three- hour sessions, is for prospective homeowners with no credit or budget problems. Discussion covers homeownership issues, particularly the home purchase process. To complement the Express Program, CHI also offers the First-Time Homebuyers Program, which consists of four two-hour sessions and covers home buying and homeownership topics in greater detail.

Delaware State Housing Authority Wilmington, DE $25,722

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