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The Case Management Unit is a leading direct service program of the Urban League of R.I., a community-based institution with a 62-year history of service to the Black and other minority communities in Rhode Island. Its mission is the elimination of racial discrimination and segregation in the state, and the achievement of parity for Blacks, Hispanics, other minorities, and the poor in every phase of American life. Inherently involved in this mission is the enabling of minorities and the poor to demonstrate their full potential and to exercise their human rights as American citizens.

Housing counseling is one aspect of the direct service program of the Urban League’s Case Management Unit. As a whole, the Unit’s programs address the personal dimensions of poverty, lack of affordable housing, and lack of income. Case managers are trained to respond to temporary short falls of income by providing emergency assistance, such as payments to creditors, and food and clothing distributions (e.g., U.S. Department of Agriculture food commodities), while working with families and individuals to prepare payment plans, find employment and training opportunities, and identify other long-term solutions to their problems.

Rhode Island Housing and Mortgage Finance Corp., Providence, RI $43,967 Rhode Island Housing’s Homeownership Division employs 57 people who originate and service residential and community lending mortgages (equity loans, home repair, and reverse mortgages). In January 1998, the agency began directly originating residential mortgages to augment its annual mortgage activity generated from participating lenders throughout Rhode Island. Rhode Island Housing has developed a work plan to standardize housing counseling activities and to ensure that they are implemented in a thorough and effective manner. The counseling activities and services include: marketing and outreach; intake and pre-purchase counseling; homebuyer education; landlord education; housing search; post- purchase/homeowner /retention; HECM (reverse mortgages); program management and performance monitoring.

SOUTH CAROLINA

Trident United Way North Charles, SC $18,812 The Trident United Way serves Berkeley, Charleston, and Dorchester, has been operational since 1944, and has provided comprehensive housing counseling to its clients since 1974. The agency has also expanded the opportunities of the senior citizens with HUD’s Home Equity Conversion Mortgage (HECM) reverse mortgage.

Wateree Community Action, Inc. Sumter, SC $10,000 Wateree Community Action , Inc. is a private, nonprofit organization founded in 1968. Wateree Community Actions, Inc.’s serves the the low and moderate-income households in

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