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$20,500 Center City Neighborhood Development Corp. has been in existence for twenty-one years. It provides housing services to low income families in the center city area of Niagara Falls, NY. Center City is currently providing housing counseling services to approximately 514 clients. It offers the following counseling services: rental housing assistance; budgeting and credit counseling; fair housing; financing; pre-purchase; post-purchase; delinquency prevention; and HECM.

Housing Council in the Monroe County Area, Inc. Rochester, NY $20,150 The Housing Council was founded in 1971 to advocate for the development of housing opportunities for low and moderate-income persons in the Monroe county, NY area. It provides the following comprehensive housing counseling services: tenant/landlord issues; pre-purchase; HECM; mortgage default counseling; homelessness and at-risk counseling services; budget and life skills. All counseling services are available in both English and Spanish. In 2000, the Housing council directly assisted more than 33,000 individuals regarding various housing issues, and referred 2300 callers to their Housing Hotline to other organizations.

Belmont Shelter Corp. Buffalo, NY $19,425 Belmont Shelter Corp. was incorporated in 1977. The agency is located in the City of Buffalo and its target area for its housing counseling program is Erie County. Although it is located in the city, it schedules appointments with clients in their homes, places of employment, or other designated public buildings. It also conducts outreach sessions at Town Halls and community centers. The counseling services Belmont offers include: general housing; pre-purchase; pre- rental; rent delinquency; mortgage default; fair housing and discrimination issues.

Bishop Sheen Ecumenical Housing Foundation, Inc. Rochester, NY $15,268 Sheen Housing was founded in 1968. Its target area includes the following counties: Allegany, Cayuga, Chemung, Livingston, Monroe, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne, and Yates. Sheen Housing provides the following comprehensive counseling services: home ownership opportunities; pre-purchase; post-purchase; default/loss Mitigation; credit; financial management and budget; property maintenance; renter assistance; HECM; home improvement/rehab; access to mortgage credit, and community outreach activities. Sheen Housing serviced 220 clients in 2000.

Chautauqua Opportunities, Inc. (COI) Dunkirk, NY $20,500 COI is a Community Action Agency and Community Development corporation that serves Chautauqua County, a rural county in the southwest corner of NY State. It was incorporated


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