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Tri-Churches Housing, Inc. has been in operation since 1985 serving the low to moderate- income population in the Washington Village / Pigtown area. Tri-Churches offers post- purchase counseling, delinquency/default counseling, Homebuyer Education Classes and Housing Seminars which include home affordability, employment / income stability and financial counseling stressing the importance of budgeting and saving. Tri-Churches Housing staff participated in the State of Maryland’s Consolidated Planning Process through participation in working committees dealing with Community and Economic Development and Special Needs Housing.

Harford County Bel Air, MD $15,959 Harford County has been a certified counseling agency since 1977 servicing the areas of Harford and Cecil Counties. Harford County actively provides home ownership counseling, mortgage default counseling, housing crisis counseling, guidance on the Rental Allowance Program, HECM counseling and credit workshops designed for first time homebuyers, homeowners and Section 8 participants. Harford County also works closely with Alliance, Inc. and United Cerebral Palsy to help persons with disabilities meet their special needs.

Home Partnership, Incorporated Belcamp, MD $11,470 Home Partnership, Inc. (HPI) has been providing housing counseling services to residents in Harford County since 1996. HPI provides pre-purchase, default, budget, delinquency and HECM counseling as well as a Homebuyer Education Learning Program. HPI works closely with the County giving assistance in the following areas: sales and rental practices, mortgage lending practices and fair housing choices for people with disabilities.

Anne Arundel County Economic Opportunity Committee, Inc. Annapolis, MD $10,779 Anne Arundel County Economic Opportunity Committee, Inc., (AACEOC) has been providing housing counseling services to residents in Anne Arundel County, Maryland, for more than 35 years. AACEOC provides pre-purchase counseling for first-time homebuyers, and delinquency and default counseling to home buyers, owners, and renters. AACEOC also offers preventive and emergency financial assistance when funds are available. The principle focus of its housing counseling program is to enable clients to make informed and reasonable decisions regarding their housing goals.

Arundel Community Development Services, Inc. Annapolis, MD $19,800 Operating since July 1993, Arundel Community Development Services, Inc. (ACDS), serves the State of Maryland with a focus on Anne Arundel County. It administers the Homeownership Counseling Program, which helps eligible, limited-income families become knowledgeable and financially prepared for homeownership. To this end, ACDS’s services


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