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include counseling on pre-purchase and post-purchase, credit issues, the sales contract, and mortgage loans. One of ACDS’s unique services is to perform a review of the household’s financial situation six to nine months after the family buys a home, in order to determine its ability to continue making the mortgage payment.

Washington County Community Action Council, Inc. Hagerstown, MD $15,954 Washington County Community Action Council, Inc. has provided services to residents of Washington County for over 30 years. The nonprofit’s goal is “to increase the capacities of individuals and groups to deal with their own problems without the need of further assistance.” This goal is achieved through a variety of services that includes counseling on such areas as home ownership, mortgage default, landlord-tenant mediation.

County Commissioners of Carroll County Westminster, MD $18,721 Since 1992, County Commissioners of Carroll County (CCCC) has helped provide affordable housing for low-income residents of Carroll County. Services include pre-purchase counseling for first-time home buyers, as well as post-purchase counseling in default, loss mitigation, home maintenance, and reverse mortgages. Additionally, CCCC partners with volunteers, government agencies, private industry, and nonprofit organizations in marketing and outreach initiatives targeted at senior centers and educational facilities.

Consumer Credit Counseling Service of Greater Washington, Inc. Rockville, MD $12,506 Consumer Credit Counseling Service of Greater Washington, Inc. (CCCSOGW) is a certified nonprofit community service organization committed to offering free housing, credit, and budgeting counseling to greater Washington, D.C. Fulfilling this goal has helped CCCSOGW gain National Foundation for Consumer Credit recognition as one of the largest service providers in the nation. In 2000, CCCSOGW counseled 12,186 clients on housing related issues. Housing counseling services include such areas as pre-purchase, default, pre- foreclosure, home equity conversion mortgage, and renter assistance.

Housing Initiative Partnership, Inc. Hyattsville, MD $17,685 Established in 1989, Housing Initiative Partnership, Inc. (HIP) has offered housing counseling for the past three years. HIP’s mission is to provide housing opportunities to persons at or below 80 percent of median income. Counseling services include default counseling, pre- closing counseling for home buyers, processing of loans for disabled persons, and financially assisting persons who participate in HIP’s home buying club.

Middle East Community Development Corp. Baltimore, MD


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