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Erie, PA $3,078 Over the past 35 years, Bayfront NATO, Inc. has operated essential human services designed to meet the needs of low and moderate-income residents in the Bayfront Area of the City of Erie, PA. Bayfront NATO provides comprehensive housing counseling services, including homebuyer education, pre-purchase and post-purchase counseling, mortgage delinquency and default resolution counseling, reverse mortgage, loss mitigation and fair housing counseling. Bayfront NATO is also involved in neighborhood revitalization activities designed to develop safe, affordable and decent rental and single-family properties for first time homebuyers.

Pennsylvania Housing Finance Agency Harrisburg, PA $41,479 The Pennsylvania Housing Finance Agency (PHFA) was established in 1972. Its mission is to foster community and economic development throughout the Commonwealth. PHFA works with housing counseling agencies, local lending institutions, realtors and other public and private organizations. PHFA has created a statewide network of housing counseling agencies to provide pre-purchase education and mortgage default counseling. The 42 participating housing counseling agencies serve all 67 counties in the Commonwealth.


CEIBA Housing and Economic Development Corporation (CEIBA) Ceiba, PR $18,201 CEIBA Housing and Economic Development Corporation (CEIBA) has been a HUD- certified counseling agency since 1988. It provides comprehensive housing counseling services to the entire area of Puerto Rico and the Virgin Islands, with a client base of 35,000. In a prior HUD grant period, it provided services to over 2,000 families and individuals. CEIBA is a Community Housing Development Organization (CHDO), offering a number of housing and economic development programs, as well as an established agenda of housing counseling services, with an emphasis on homebuyer education and mortgage delinquency counseling. These services, funded by a HUD grant, were successfully integrated into CEIBA’s Multifamily Housing Pilot program, funded by the Department of Defense. This illustrates how an organization with multiple resources such as CEIBA, by leveraging funds, is able to utilize and combine other program resources with housing counseling tools to enhance its overall delivery of services to the community. The new HUD grant will make it possible for CEIBA to maintain staff capability and continue to provide ongoing housing counseling services to its clients in this insular region.


Rhode Island Urban League Providence, RI $19,425


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