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bilingual, one-on-one counseling to place potential Hispanic homeowners in a position to afford and maintain a decent place to live.

Dekalb-Fulton Housing Counseling Center, Inc. (DFHCC) Decatur, GA $27,979 Dekalb-Fulton Housing Counseling Center, Inc. (DFHCC) is a nonprofit agency chartered by the State of Georgia to provide comprehensive housing counseling services, which it has been delivering over the past 22 years. Its target area is the 13 county Metro Atlanta Statistical Area. It has an experienced seven-member staff. Current objectives established by DFHCC include: serving 400 new Dekalb County clients for the purposes of avoiding housing foreclosure and serving a like number of clients in weekly homebuyers’ seminars over the next year. One of its prime objectives is to provide education and technical assistance on the ever-increasing problem of predatory lending, which has deeply affected its target area. Dekalb County is one of the three areas in the Nation, identified by HUD as a “Hot Zone” for this activity. HUD has enlisted DFHCC’s assistance in dealing with this problem, which speaks to its leadership in this area of community and national concern.

Georgia Housing and Finance Authority Atlanta, GA $64,672 Since 1976, the Georgia Housing Finance Authority has been the principal means of providing affordable housing opportunities in the state. This agency is an experienced manager of programs funded by federal award and other sources. It has created and implemented numerous housing programs that have successfully reached target households. GFHA through eight affiliates offers comprehensive housing counseling programs including pre and post purchase counseling and credit coursing. GFHA’s Homebuyer Program provides low interest rate first mortgage loans to qualified first time borrowers. During calendar year 2000, the program assisted 1,286 families to purchase homes, 97.9% of the families were first time homebuyers with the average loan amount of $72,342. The OwnHOME Program provides deferred payment subordinate loans to low-income homebuyers to cover the cost associated with down payment, closing costs and prepaid items. During calendar year 2000, an average loan of $2,802 was provided to assist 691 families to purchase homes. Since its implementation in 1993, $17.9 million has enabled 6,208 low-income families to reach their goal of owning a home.


Legal Aid Society of Hawaii Honolulu, HI $11,802 The Legal Aid Society of Hawaii is Hawaii’s largest public interest, nonprofit legal services provider. Legal Aid Society of Hawaii currently operates nine branch offices statewide on six islands. Legal Aid Society of Hawaii provides comprehensive housing counseling and is


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