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City of Albany, Georgia (The City) Albany Georgia $5,368 The City has been a HUD-approved housing counseling agency since 1992 and serves an eight-county rural area surrounding Albany/Daugherty County. A primary objective of the program is to assist those in the target area who were affected by the 1994 and 1998 floods. Forty five percent (45%) of the population in the flood areas is minority. The City helps families and individuals in purchasing or renting homes. Services also include guidance on remaining in their properties. In further support of the housing counseling effort, The City has passed an ordinance that provides protection against housing discrimination.

Gwinnett Housing Resource Partnership, Inc Norcross, GA $25,534 Gwinnett Housing Resource Partnership, Inc. is a nonprofit organization and a Community Housing Development Organization (CHDO). It has a large staff of well-qualified housing counselors. GHRP’s target area is a fast–growing suburb/bedroom community of Atlanta, Georgia, which has experienced a 65 percent increase in population over the last ten years, with a disproportionate 660 percent increase in the Hispanic sector. Half of the staff is bi- lingual (Spanish / English), enabling the organization to assist the Hispanic clients in the area. GHRP offers a multifaceted housing counseling agenda as well as other services such as Individual Development Accounts (IDA), which provide a systematic savings vehicle to assist first time homebuyers to become mortgage-ready purchasers.

Fulton-Atlanta Community Action Authority, Inc. (FACAA) Atlanta, GA $18,812 Fulton-Atlanta Community Action Authority, Inc. (FACAA) is a nonprofit organization, primarily servicing Fulton County, the core county of the City of Atlanta, Georgia, which has one of highest rates of poverty in the Nation, at 27 percent. HUD has designated a portion of its targeted area as an “Empowerment Zone”. Its primary objective is to increase the number of first-time homebuyers while decreasing foreclosures and evictions through education and training. The new HUD grant funds will be used to enhance the current housing counseling program and hire two additional housing counseling staff members. These additional resources will also enable FACAA to provide credit counseling in conjunction with financial management and budgeting to potential homeowners in improving their financial outlook, in preparation for homeownership or other occupancy.

Cobb Housing Inc. (Cobb Housing) Marietta, GA $23,701 Cobb Housing Inc. (Cobb Housing) is located in the metropolitan area of Atlanta, Georgia and serves 15 counties in northwest Georgia, which are not currently served by a HUD- approved counseling agency. During the last Fiscal Year, Cobb Housing, Inc. received a


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