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homebuyers that has been in operation for approximately seven years. RHAC provides assistance to residents of the Rockland County, NY area. In 2000, the number of individuals counseled more than doubled, from 250 to over 600. Its main areas of homebuyer education are: credit, budget, homeownership, and foreclosure prevention.

Northfield Community Local Development Corp. Staten Island, NY $19,425 Northfield Community LDC was founded in 1978 by the merchants and residents of Port Richmond, Staten Island, to improve the quality of life for Staten Island residents by upgrading and creating affordable housing, improving economic development opportunities, and providing life enhancing cultural and educational activities. In 2000, the agency counseled 278 clients, and plans to double this number with the HUD counseling grant, its first grant since being designated a HUD approved housing counseling agency in November 2000.

Opportunities for Chenango, Inc. Norwich, NY $11,280 Although OFC did not apply for HUD funding in FY00, it continued to promote affordable housing opportunities for Chenango County residents. After helping 50 families become homeowners with HUD HOME funds from 1997 to 2000, OFC has once again embarked upon a NYS Small Cities program with CDBG funding to help 25 families become first-time homebuyers, and has leveraged almost 5 million dollars since 1993. HUD-certification has allowed OFC to receive tuition scholarships for its counselors to attend training.

NORTH CAROLINA

Twin Rivers Opportunities, Inc. New Bern, NC $9,600 Twin Rivers Opportunities Inc. is a non-profit corporation formed March 1, 1996. Twin Rivers is a comprehensive housing counseling agency which provides pre-purchase, HECM, mortgage default and money management counseling services. Twin Rivers has administered HUD’s programs for over 20 years and serves approximately three counties. For the past two years, Twin Rivers has received housing counseling monies from North Carolina Housing Finance Agency. Over the course of the last two grant years, Twin Rivers has held numerous homebuyer sessions and has counseled hundreds of families in the community for which they serve.

Wilson Community Improvement Association Wilson, NC $15,146 Wilson Community Improvement Association has been in existence since 1968; an organization that grew out of the civil rights movement of the mid 1960’s. The association provides comprehensive housing counseling services to the North Carolina counties of

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