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$13,196 Middle East Community Development Corporation (MECDC) is a community-based development corporation with eleven years’ experience in assisting low-to-moderate income homebuyers with housing counseling, contractor selection, application and loan processing for purchase and rehab financing, and management of rehab construction. Additional services include pre- and post-purchase education, mortgage delinquency resolution, marketing and outreach initiatives, guidance on credit issues, and home inspection.

Shore Up! Inc. Salisbury, MD $15,613 Shore Up! Inc. has exercised executive, administrative, and supervisory direction of housing programs for more than 28 of its 35 years of existence. Shore Up! Inc. serves the counties of Queen Anne, Somerset, Wicomico, and Worcester. Counseling services include pre-purchase and rental, post-purchase and rental, rental delinquency, mortgage loan delinquency, emergency services, and home equity conversion mortgage (HECM) counseling.

Communities Organized to Improve Life Baltimore, MD $4,909 Communities Organized to Improve Life (COIL) has provided housing counseling services in Baltimore since 1980. By working closely with local community leaders, the police, and local businesses, COIL has helped hundreds of families buy homes and has served as a community catalyst for efforts in public safety, community sanitation, and anti-drug awareness. Its housing counseling services, which include assessing financial ability, credit worthiness, and individual/family preparedness, are delivered through workshops, seminars, and individual sessions.

Southern Maryland Tri-County Community Action Committee, Inc. Hughesville, MD $11,124 Southern Maryland Tri-County Community Action Committee, Inc. (SMTCCAC) was organized in 1965 in response to the Economic Opportunity Act of 1964. Serving the three counties of Calvert, Charles, and St. Mary’s, SMTCCAC is the only HUD-approved housing counseling agency in Southern Maryland. It offers a variety of counseling services, including pre-purchase counseling, post-purchase homeownership, mortgage loan delinquency and default resolution, Home Equity Conversion Mortgage (HECM) counseling, loss mitigation, renter assistance, and fair housing assitance.

City of Frederick/Frederick Community Action Agency Frederick, MD $8,000 Frederick Community Action Agency (FCAA) has served Frederick County since 1997. FCAA currently provides comprehensive counseling services, including such areas as default and delinquency, homebuyer education, pre- and post-purchase, loss mitigation, Home Equity


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