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single parents, and families with disabled member in the household, improve their housing conditions. The agency’s housing counseling staff of five full-time counselors, including a housing counseling supervisor, delivers pre- and post-purchase housing counseling, foreclosure prevention counseling, Home Equity Conversion Mortgage counseling, and administers affirmative marketing and outreach programs including Emergency Mortgage/ Down Payment Assistance Grant Programs.

Community Action Commission of Belmont County (CAC) St. Clairsville, OH $4,563 The Community Action Commission of Belmont County has provided first-time homebuyer education training since 1996. The agency received certification as a HUD-approved housing counseling agency in January 1997. It is staffed by three professional and well-trained housing counselors who conduct first-time homebuyer classes covering the following topics: home selection; financing; pre- and post-closing costs; budgeting; credit; job stability; and home maintenance and insurance. CAC also provides HECM counseling to senior citizens as a component of the “Elderly Choice Workshop.” Housing counseling assistance is delivered to citizens of Belmont County, OH, and Marshall County including Wheeling, West Virginia.

Community Action Commission of Fayette County (CAC) Washington Court House, OH $12,851 Established in 1965, the Community Action Commission of Fayette County primarily delivers housing counseling assistance to residents of Fayette County. In October 1992, the agency was certified by the state of Ohio as a Community Housing Development Organization (CHDO). The following year, CAC implemented a “Self Help” homeownership program with support from the US Department of Agriculture. CAC was approved in September 1994 as a HUD-certified housing counseling agency. Counseling services include pre- and post- purchase counseling, down payment assistance counseling, delinquency/default counseling, and homebuyer/tenant counseling.

Fair Housing Contact Service (FHCS) Akron, OH $6,290 Fair Housing Contract Services has provided housing counseling services as a HUD-approved counseling agency since the mid-1980s. The agency, serving the Akron, OH, area, annually delivers housing counseling assistance to 350 clients in direct counseling sessions and public seminars. Housing counseling assistance is delivered by four housing counseling staff persons primarily in the following program areas: housing discrimination investigation; tenant/landlord counseling; first-time homebuyers counseling, and housing research and technical assistance to local communities. Additionally, FHCS provides housing counseling to land-contract home purchasers, clients facing mortgage foreclosure, and senior citizens interested in the Home Equity Conversion Mortgage Program (HECM).

Lutheran Housing Corporation (LHC) East Cleveland, OH


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