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years. They assist clients with housing problems such as eviction, faulty repairs, the possibility of foreclosure, and other circumstances that prevent occupancy in affordable, decent, and safe housing. Funding from HUD enables LSEM to meet clients’ needs for mortgage counseling services, including counseling for first time homebuyers.

West Central Missouri Community Action Agency Appleton City, MO $35,620 Established in 1965, West Central Missouri Community Action Agency has been in community action and social services for over 35 years. The agency in involved in Housing Production, Preservation, Rehabilitation, HOME and HOPE programs in nine counties in Western Missouri. In collaboration with the University Extension of Missouri, they have developed and presented First-Time Homeowner Classes and Homeownership Made Easier classes. They have also developed a High School Counseling Presentation which gives the students knowledge about credit and borrowing before they get into trouble with consumer debt. Funding from this grant will assist WCMCAA to continue to develop, coordinate and strengthen partnerships with other agencies to provide decent housing, establish and maintain a suitable living environment, and enable clients to become self-sufficient.


District 7 Human Resource Development Council (HRDC) Billings, MT $16,800 HRDC is a multi-purpose organization with over 30 years experience operating programs for low and moderate-income residents. They serve most of eastern Montana with a population of approximately 400,000. HRDC operates over 20 programs for low-income individuals. Counseling includes, but is not limited to, mortgage default, rent delinquency, budgeting and money management, location of permanent housing and property maintenance. Partnerships include Bureau of Indian Affairs, Montana State University, several eastern Montana tribes, Indian Health Services, local banks and the City of Billings to mention a few. The grant will be used to further counseling.

Northwest Montana Human Resources, Inc. (NMHR) Kalispell, MT $3,241 NMHR is a private, non-profit organization governed by a twelve memberBoard of Directors equally comprised of representatives of the low-income, public and private sectors from the service area of Lake, Lincoln, Sanders and Flathead counties. Their overall mission is to provide opportunities for economically disadvantaged citizens to become more self-sufficient. They have developed a myriad of programs which support and enhance each other some of which are Senior Home Repair, First Time Homebuyer Program, Emergency Food and Shelter Funds, Low Income Energy Assistance Program and housing counseling on HECM, credit counseling, mortgage defaults, etc. Their grant will be


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