SECRETARY DONOVAN ANNOUNCES OVER $1.2 MILLION IN HOUSING COUNSELING GRANTS TO 42 HOUSING COUNSELING ORGANIZATIONS IN FLORIDA
Florida grants part of $60 million in HUD funding critical to prevent foreclosure

JACKSONVILLE - Florida families facing foreclosure, seeking affordable rental housing, or hoping to buy their first
home will have a greater opportunity to find housing, or keep the homes they have, because of over $1.2 million in housing counseling grants announced today by the U.S. Department of Housing and Urban Development (see
attached list).

HUD Secretary Shaun Donovan made the announcement during a two-day tour of neighborhoods in Orlando and
Miami with U.S. Representatives Alan Grayson and Kendrick Meek.

"Now, more than ever, it is crucial that Americans understand how to manage their money, navigate the homebuying process,and secure their financial future." said Donovan. "This critical funding will help counseling organizations continue to assist families in making more informed choices before they buy a home and counsel families facing foreclosure."

Housing counseling grants will assist families in becoming first-time homeowners and remaining homeowners after
their purchase. HUD-approved counseling agencies not only provide homeownership counseling, but also offer
financial literacy training to renters and homeless individuals and families.

The funding announced today is part of $60 million in housing counseling grants awarded nationwide. These grants
will support the direct provision of housing counseling services by 24 national and regional organizations, 5 multi-
state organizations, and 463 state and local housing counseling agencies. In addition, HUD is awarding $5 million to three national organizations to train approximately 4,400 counselors who will receive the instruction and certification necessary to effectively assist families with their housing needs.

National and regional agencies distribute much of HUD's housing counseling grant funding to community-based grassroots organizations that provide advice and guidance to low- and moderate-income families seeking to improve their housing conditions. In addition, these larger organizations help improve the quality of housing counseling
services and enhance coordination among other counseling providers.

Counseling agencies will use $8 million to help assist senior citizens seeking reverse mortgages or Home Equity Conversion Mortgages (HECM). These agencies will provide counseling for the rapidly growing number of elderly homeowners who seek to convert equity in their homes into income that can be used to pay for home
improvements, medical costs, and other living expenses.

The organizations that provide housing counseling services help people become or remain homeowners or find rental housing, and assist homeless persons in finding the transitional housing they need to move toward a permanent
place to live. Grant recipients also help homebuyers and homeowners realistically evaluate their readiness for a
home purchase, understand their financing and downpayment options, and navigate what can be an extremely confusing and difficult process.

In addition, grantees help combat predatory lending by helping unwary borrowers review their loan documentation, and avoid unreasonably high interest rates, inflated appraisals, unaffordable repayment terms, and other conditions that can result in a loss of equity, increased debt, default, and even foreclosure. Likewise, foreclosure prevention counseling helps homeowners facing delinquency or default employ strategies, including expense reduction, negotiation with lenders and loan servicers, and loss mitigation, to avoid foreclosure. With foreclosures at critical levels nationwide, these services are more important than ever.

HUD awards annual grants under the housing counseling program through a competitive process. Organizations that apply for grants must be HUD-approved and are subject to biennial performance reviews to maintain their HUD-approved status.

* Detailed individual grant summaries are available on the HUD website.

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HUD is the nation's housing agency committed to sustaining homeownership; creating affordable housing opportunities for low-income Americans; and supporting the homeless, elderly, people with disabilities and people living with AIDS. The Department also promotes economic and community development and enforces the nation's fair housing laws. More information about HUD and its programs is available on the Internet and espanol.hud.gov.

FY 2009 Housing Counseling Grants - FLORIDA

Broward County Housing Authority
Lauderdale Lakes, FL
$40,976 - Comprehensive Counseling

Broward County Housing Authority (BCHA) was founded in 1969 and has been a HUD-approved housing counseling agency since 1987. BCHA's mission is to provide high quality housing services to Broward County residents. BCHA's Housing Counseling Program provides comprehensive, one-on-one counseling services in the areas of pre-purchase; reverse mortgage (HECM); and mortgage default and foreclosure prevention, as well as monthly workshops for first time homebuyers and foreclosure prevention. For the period October 1, 2007 through September 30, 2008, BCHA counseled more than 800 individuals. www.bchafl.org

The Center for Affordable Housing, Inc.
Sanford, FL
$20,000 - Comprehensive Counseling

Established in 1981, The Center for Affordable Housing, Inc. (TCFAH) develops safe
and affordable housing for the lower-income residents of Seminole County, Florida. In addition, TCFAH offers individualized housing assistance, housing counseling,
transitional housing for homeless families, comprehensive case management, self-sufficiency education, financial education and outreach services. Through its various programs, TCFAH provides comprehensive housing counseling and assistance to a minimum of 1,200 Seminole County residents per year. www.tcfah.org

The Center for Independent Living
Winter Park, FL
$42,724 - Comprehensive Counseling

The Center for Independent Living in Central Florida, Inc. (CIL) is a private, nonprofit organization dedicated to
helping people with disabilities achieve their self-determined goals for independent living. Founded in 1976 by a coalition of people with disabilities and their advocates, CIL has enhanced and enriched the lives of thousands of people with disabilities in Central Florida by providing essential services and advocating for the removal of architectural and attitudinal barriers within the community. CIL became a new HUD-approved Housing Counseling Agency in early 2009. During the past year, CIL provided the following housing counseling services: homeless counseling, rental housing counseling, mortgage delinquency and default counseling, home buying and
homeownership counseling, and home equity conversion mortgages (HECM) counseling. www.cilorlando.org

City of Tampa Housing and Community Development Division
Tampa, FL
$35,732 - Comprehensive Counseling
$5,000 - Loan Document Review Counseling

The Housing and Community Development Division (HCD) is a division of the City of Tampa's Growth Management
and Development Services Department. HCD has provided housing assistance to the citizens of Tampa since 1971. Housing assistance services offered include: down payment and closing costs assistance for first-time home buyers; housing rehabilitation for low-income homeowners; new construction of single family homes; and comprehensive housing counseling. The housing counseling program consists of pre-purchase, homebuyer education, delinquency/default, and post-purchase counseling. During Fiscal Year 2007-2008, City of Tampa, FL provided 95 clients with one-on-one counseling. www.tampagov.net

Community Enterprise Investments, Inc.
Pensacola, FL
$32,150 - Comprehensive Counseling

For over 30 years, Community Enterprise Investments, Inc. (CEII) has helped to improve the lifestyles of Escambia County, Florida residents. The mission of this not-for-profit community-based organization is to create and develop opportunities among low and moderate-income area residents for employment, business ownership, low-income
rental units and affordable homeownership. CEII provides housing counseling programs involving pre-purchase counseling, homebuyer education, delinquency counseling, non-delinquency post-purchase counseling, reverse mortgage counseling, rental counseling and fair housing education. During Fiscal year 2007-2008, CEII counseled
477 clients. www.ceii-cdc.org

Consumer Credit Counseling Service (CCCS) of West Florida, Inc.
Pensacola, FL
$37,480 - Comprehensive Counseling

Consumer Credit Counseling Service of West Florida, Inc. is a non-profit, credit counseling and financial education organization governed by a voluntary board of directors. The agency has been serving consumers since 1975. The agency provides a full range of confidential credit counseling services and consumer education services to families
and individuals regardless of their ability to pay. The agency is a member of the National Foundation for Credit Counseling, and is accredited by the Council on Accreditation of Children and Family Services. The housing
counseling program consists of pre-purchase, homebuyer education, delinquency/default, reverse mortgage (HECM), post-purchase, rental, homeless and fair housing primarily in north Florida and southeast Alabama. Included in this area are five military facilities, and the Poarch Creek Indian Reservation. During Fiscal Year 2007-2008, CCCS of
West Florida provided 2,654 clients with one-on-one counseling. www.cccswfl.org

Consumer Credit Management Services, Inc.
Delray Beach, FL
$37,480 - Comprehensive Counseling
$47,671 - HECM Counseling

Consumer Credit Management Services, Inc. (CCMS) founded in 1991 is a non-profit organization that provides financial literacy and empowerment through educational seminars, housing counseling, and credit counseling. The mission of CCMS is to provide families and individuals with quantifiable financial and housing programs to empower them to achieve the ultimate goal of securing financial independence and affordable housing. CCMS provides counseling programs that are custom-tailored to each consumer ranging from budget planning, debt restructuring,
and debt management, to pre and post home purchase education and counseling, reverse mortgage counseling, and foreclosure prevention/mitigation. During the last Fiscal Year, CCMS counseled more than 220 clients. In the last
three years, CCMS has increased and diversified its outreach efforts to reach various segments of the community
that have been typically underserved, such as people with disabilities, the youth, the elderly, and Spanish and
Creole speaking individuals. www.debt-mgt.org

Credit Card Management Services, Inc.
West Palm Beach, FL
$42,724 - Comprehensive Counseling
$30,000 - HECM Counseling
$5,000 - Loan Document Review Counseling

Credit Card Management Services, Inc., dba Debthelper.com, is a non-profit agency dedicated to its mission of providing compassionate and professional housing counseling and education services to residents of West Palm
Beach. Debthelper.com counselors are certified by the Center for Financial Certifications and the HECM counselors
are exam-qualified in the HUD-HECM Network. Debthelper.com has an A+ Rating with the Southeast Florida Better Business Bureau. The agency's housing counseling program consists of pre-purchase, homebuyer education, delinquency/default, reverse mortgage (HECM), post-purchase and fair housing counseling. During Fiscal Year 2007-2008, Debthelper.com provided 17,562 clients with one-on-one counseling and 1268 clients in group counseling sessions. www.debthelper.com

Crisis Housing Solutions
Pembroke Pines, FL
$32,236 - Comprehensive Counseling

Crisis Housing Solutions (CHS) started its mission in August 2005 in response to the devastation caused by Hurricane Katrina in Louisiana and Mississippi. CHS later expanded its mission to assist those adversely affected by any disaster - natural, manmade, or economic crisis. Since the agency's inception, CHS has been successful in providing housing assistance to over 375 families. The key to this success has been the ability to collaborate, as needed, with over
45 different agencies and organizations. With the HUD grant funds, CHS plans to provide counseling services to approximately 500 clients on delinquency/default counseling, including the Making Home Affordable program, as well
as homeless/displacement counseling. www.crisishousingsolutions.org

Empowerment Alliance of Southwest FL
Immokalee, FL
$35,000 - Comprehensive Counseling

The Empowerment Alliance of Southwest Florida Community Development Corporation (EASF) was formed in
November 1999, to implement the strategic plan for the Round II federally designated Rural Enterprise Community covering Immokalee and Eastern Hendry County. The mission of the Empowerment Alliance of Southwest Florida is "Building Better Lives through Homeownership and Education". The Empowerment Alliance constructs affordable housing units for sale to low- income households. The Empowerment Alliance provides pre-purchase education workshops and one-on-one counseling to prepare families for homeownership, in addition to foreclosure prevention counseling for those already owning a home. In Fiscal Year 2008, EASF provided homebuyer education to 259 individuals and provided one-on-one pre-purchase and post-purchase counseling to 102 families. www.easfonline.org

Family Counseling Center
Rockledge, FL
$37,480 - Comprehensive Counseling

Established in 1964, Family Counseling Center's (FCC) mission is to strengthen individuals, families and communities
in Brevard and Indian River Counties. The agency provides outpatient counseling, consumer credit counseling, substance abuse therapy, as well as education and related services to individuals and families. The FCC, a nonprofit corporation, is accredited by the Council on Accreditation and is also a United Way member agency committed to serving people from all socio-economic backgrounds. In 1982, FCC created the Consumer Credit Counseling Service (CCCS) program to provide budget and credit counseling and education to the community. In 1992, CCCS became a HUD-certified Housing Counseling Agency and began offering the community a complete range of affordable housing counseling, including default, pre-purchase, rental and HECM counseling. In Fiscal Year 2008, CCCS provided counseling to more than 945 clients. www.fccbrevard.com

Goodwill Industries Manasota, Inc.
Sarasota, FL
$44,472 - Comprehensive Counseling
$7,745 - Loan Document Review Counseling

Goodwill Industries - Manasota, Inc. was established over 27 years ago and continues to serve the residents of Florida's Manatee, Sarasota, Hardee and DeSoto counties. Goodwill, a private, not-for profit human service organization, provides information and referrals in the forms of case management, neighborhood resource development, job placement, housing, and assistance with homeownership. Current housing programs include the HomeBuyer's Club, a long-term case management program which seeks to assist very low, low and moderate-income families become first-time homeowners; GoodPartner Coach Program, a case management program designed to
assist individuals with issues relating to employment, housing and/or relationships; and GoodHomes, which utilizes SHIP/HOME funds. During Fiscal Year 2007-2008, Goodwill Industries Manasota, Inc. provided services to 466 clients. www.goodwillindustries.org

Habitat for Humanity of Jacksonville, Inc. (HabiJax)
Jacksonville, FL
$49,716 - Comprehensive Counseling

HabiJax offers one-on-one pre-purchase, post-purchase, delinquency/default, and predatory lending counseling, as well as homebuyer education and predatory lending workshops. The agency provides clients with information concerning the foreclosure and eviction process, legal timelines, financial situation analysis, intermediary contact
with lenders or landlords, and provides options if leaving the home is unavoidable. Referrals are also made to local
and state agencies for emergency financial and housing assistance. HabiJax counseled a total of 676 clients in the last Fiscal Year. www.habijax.org

Housing Authority City of Fort Myers
Fort Myers, FL
$39,228 - Comprehensive Counseling

The Housing Authority of the City of Fort Myers serves the City's low- income residents with homeowner and homebuyer counseling services. The housing counseling programs are designed to expand homeownership opportunities for City residents, improve their access to affordable housing and help preserve homeownership by providing guidance to families to improve their housing conditions and meet the responsibilities of tenancy and homeownership. Counselors provide guidance to help families modify or refinance their loans to avoid unreasonably high interest rates. Counselors also help borrowers to avoid inflated appraisals, high interest rates, unaffordable repayment terms and other conditions that may result in loss of equity, increased debt, default and eventual foreclosure. The Housing Authority runs quarterly homebuyer education courses covering topics such as renting vs. owning, credit counseling, foreclosure assistance, mortgage loans applications and closings, fair housing issues, fraudulent activities, and financial problems. www.hacfm.org

The Housing Authority City of Tampa
Tampa, FL
$40,976 - Comprehensive Counseling
$8,137 - Loan Document Review Counseling

The Housing Authority of the City of Tampa was founded in 1937 as a non-profit corporate body. The mission of the Housing Authority is to develop and manage a variety of affordable housing opportunities, facilities and supportive services to nurture neighborhoods and provide economic development and self-sufficiency activities for residents. Tampa Housing Authority also works to assure that low-to- moderate income families have equal access to safe, quality housing throughout the community. The Authority is committed to serving the community through its Center for Affordable Homeownership, which provides supportive services relating to homeownership activities. The services provided by the Center are pre-purchase counseling, foreclosure intervention and default counseling, home maintenance and homebuyer education classes. Within the last fiscal year, the Center provided counseling services
to 294 individuals. www.thafl.com

The Housing Corporation of Charlotte County, Inc.
Port Charlotte, FL
$46,220 - Comprehensive Counseling
$10,000 - HECM Counseling
$8,922 - Loan Document Review Counseling

The Housing Corporation of Charlotte County, Inc. began managing publicly funded housing programs in Charlotte County in 1994. Since that time, it has administered the State Housing Initiatives Partnership (SHIP) program, the Rehabilitation and Down Payment Assistance Programs, the Hurricane Housing Rehabilitation Program, the My Safe Florida Home Program and many other comprehensive housing counseling programs. The organization's programs provide local, state or federal funds to help low to moderate income households rehabilitate their homes and/or mitigate hazards in their homes. The housing counseling program consists of pre-purchase, homebuyer education, delinquency/default, reverse mortgage (HECM), post-purchase, rental, homeless and fair housing counseling. During Fiscal Year 2007-2008, Housing Corporation of Charlotte County, Inc. provided 950 clients with one-on-one counseling.

Housing Development Corporation of SW Florida, Inc.
Naples, FL
$20,000 - Comprehensive Counseling

Housing Development Corporation of SW Florida, Inc. (HDC), formerly known as the Collier County Housing Development Corporation, was established in 2003 to address the need for affordable housing in Collier and southern Lee counties. HDC's mission is to ensure that residents of Southwest Florida have a decent affordable home in a
safe neighborhood. HDC presently offers the following housing counseling services: homebuyer education, pre-purchase counseling, credit counseling, and foreclosure intervention and default counseling. During Fiscal Year
2007-2008, the agency served 298 clients. www.collierhousing.org.

Housing Partnership Inc.
Riviera Beach, FL
$35,732 - Comprehensive Counseling

Housing Partnership, Inc. (HP) is a not-for-profit, charitable corporation with several designations and affiliations, including a chartered affiliate membership with NeighborWorks America. Since its inception in 1986, HP has focused
on improving communities through a more holistic approach to housing and human services. In addition to its ongoing efforts to promote homeownership, HP offers quality programming and resources relating to family services and supportive housing for special needs populations. Serving all of Palm Beach County, Florida, HP provides community outreach, pre-purchase counseling, homebuyer education, delinquency/default counseling, post-purchase education, and voucher homeownership counseling. In the past fiscal year, HPI provided homeownership counseling to 867 clients. www.pbhp.org

Jacksonville Florida Chapter Association of Housing Counselors and Agencies
Jacksonville, FL
$23,496 - Comprehensive Counseling

Jacksonville Florida Chapter Association of Housing Counselors and Agencies, Inc. (JFCAHCA) is a non-profit organization that has been providing comprehensive housing counseling in Florida for three years. JFCAHCA provides assistance to individuals and families through counseling to improve their housing conditions and meet the responsibilities of tenancy and homeownership. JFCAHCA assists minorities and disabled persons to prevent and address housing discrimination. In addition to comprehensive housing counseling services JFCAHCA also provides
HECM counseling. JFCAHCA seeks to help Florida residents make wise housing choices and avoid becoming victims
of predatory lending, or unfair lending practices. During Fiscal Year 2007-2008, the agency counseled 260 clients. www.jfcahca.org

Lee County Housing Development Corporation
Fort Myers, FL
$40,000 - Comprehensive Counseling

Incorporated in 1991, Lee County Housing Development Corporation is a private non-profit organization. The agency
is dedicated to providing affordable housing to low to moderate-income citizens of Lee County and has assisted over 300 families with the purchase of their homes. Housing counseling services include one-on-one pre-purchase counseling, group homeowner pre-purchase training, and mortgage default/delinquency counseling. www.leecountyhdc.org

Manatee Community Action Agency, Inc.
Bradenton, FL
$25,244 - Comprehensive Counseling

Manatee Community Action Agency, Inc. (MCAA) is a non-profit agency organized to combat poverty in Manatee, Hardee, and DeSoto Counties in Florida. Since 1968, MCAA has worked to develop, plan, implement and evaluate programs that serve low-income people in the community. The mission of MCAA is Helping People, Changing Lives,
and Building Communities. As part of the MCAA organization, the Housing Counseling program has delivered
thousands of hours of counseling services over the past 11 years. Focusing on one-on-one counseling, the program addresses default, rental, reverse mortgages, homeless and pre-purchase services to assist individuals in obtaining and/or maintaining safe and affordable long-term housing. MCAA served 389 clients during Fiscal Year 2007-08. www.manateecaa.org

Miami Beach Community Development Corporation
Miami, FL
$40,976 - Comprehensive Counseling

Founded in 1981, the Miami Beach Community Development Corporation (MBCDC) provides a range of housing
services in Miami Beach. These housing services include façade rehabilitation, historic preservation, special needs housing for people who are disabled/living with AIDS, elderly housing and housing counseling. The housing counseling program consists of pre-purchase, homebuyer education, delinquency/default, post-purchase, rental, homeless and fair housing counseling. During Fiscal Year 2007-2008, Miami Beach CDC provided 164 clients with one-on-one counseling. www.miamibeachcdc.org

Mid-Florida Housing Partnership, Inc.
Daytona Beach, FL
$21,748 - Comprehensive Counseling

Mid-Florida Housing Partnership, Inc. was formed in 1989 as a Florida corporation to address the needs of decent, affordable housing for low income households. The agency offers housing counseling and downpayment assistance
and has purchased and rehabbed 44 single family homes throughout Volusia County. The housing counseling program consists of pre-purchase, homebuyer education, delinquency/default, reverse mortgage (HECM), post-purchase, rental, homeless and fair housing counseling. During Fiscal Year 2007-2008, Mid-Florida Housing Partnership, Inc provided 515 clients with one-on-one counseling. www.mfhp.org

The Ocala Housing Authority
Ocala, FL
$40,976 - Comprehensive Counseling

The Ocala Housing Authority (OHA), a Public Housing Authority, provides both one-on-one and group housing counseling sessions in the following areas: rental, pre and post-purchase, homebuyer education, mortgage delinquency, non-delinquency post-purchase, shelter and services for the homeless. The OHA housing counselors
work with those seeking counseling services to develop action plans and set goals to realizing their dream of affordable, safe, and decent housing. The agency equips homebuyers with the knowledge and skills to successfully transition into homeownership. The OHA's Homebuyer's Club is designed to provide clients with a minimum of 25
hours of comprehensive training. During the past fiscal year, OHA provided 3,144 counseling sessions.
www.ocalafl.org

Opa-locka Community Development Corporation
Opa-locka, FL
$25,244 - Comprehensive Counseling

For over 25 years, the Opa-locka Community Development Corporation (OLCDC) has been dedicated to the development of the Opa-locka and Northwest Miami-Dade communities through affordable housing, economic development, community enhancement and commercial revitalization. OLCDC is working to increase affordable
housing by expanding its homeownership counseling center to include pre-purchase, homebuyer education and financial literacy education workshops; loss mitigation, non-delinquent post purchase, and HECM (reverse mortgage) counseling; and community outreach services. OLCDC served over 400 housing counseling clients during Fiscal Year 2007-08. www.olcdc.org

Reliable Business Solutions, Inc.
Orlando, FL
$39,228 - Comprehensive Counseling
$5,000 - Loan Document Review Counseling

Reliable Business Solutions, Inc.'s (RBS) mission is to promote the growth, productivity and well being of individuals through peer counseling, training, education, financial and credit assistance, networking, and advocacy programs. RBS's comprehensive housing counseling program emphasizes one-on-one counseling services and consists of
services in the following areas: pre-purchase, homebuyer education, delinquency/default, post-purchase, rental,
and homeless counseling. In addition, the agency collects and distributes information on local, state, and national community services to the women, minorities and disadvantaged individuals of the community. During Fiscal Year 2007-2008, RBS provided 175 clients with one-on-one counseling. www.reliablebusinesssolutions.org

Solita's House, Inc.
Tampa, FL
$40,976 - Comprehensive Counseling
$6,961 - Loan Document Review Counseling

Solita's House, Inc. is a non-profit organization founded in 2006 to address the need for additional housing
counseling for low-to-moderate income families in the City of Tampa, Hillsboro County, and surrounding areas. The services offered are: homebuyer education workshops, financial literacy workshops, pre-purchase counseling, post-purchase counseling, foreclosure intervention, default counseling and loan document review. To date, the agency
has served over 1,229 households in the areas of financial counseling and education, which includes 59 new homeowners utilizing over $1 million in down payment assistance.

Tallahassee Lender's Consortium
Tallahassee, FL
$51,464 - Comprehensive Counseling
$6,000 - HECM Counseling
$5,000 - Loan Document Review Counseling

For 15 years, the Tallahassee Lenders' Consortium, Inc., (TLC), a Florida 501(c)(3) nonprofit corporation, has
provided comprehensive homebuyer education, pre-purchase counseling, and downpayment and closing cost assistance to low income families in the City of Tallahassee and Leon County. TLC's mission is to provide its clients with affordable homeownership options. TLC is a registered Non-Profit Organization (NPO) and a City of Tallahassee designated Community Housing Development Organization (CHDO). Programs at TLC have evolved over the years to also include post homeownership education, mortgage delinquency counseling, reverse mortgage counseling,
personal finance education and a homebuyer's club. During Fiscal Year 2007-2008, Tallahassee Lenders' Consortium provided 960 clients with one-on-one counseling. www.tallahasseelenders.org

Tampa Bay Community Development Corporation
Clearwater, FL
$49,716 - Comprehensive Counseling
$9,314 - Loan Document Review Counseling

Incorporated in 1982, Tampa Bay Community Development Corporation (CDC) promotes homeownership opportunities to low and moderate-income residents in Florida's Pinellas, Hillsborough and Pasco Counties. As of April 2008, the agency expanded its service area to also include Lee, Manatee, and Sarasota counties. Tampa Bay CDC provides homebuyer education workshops, one-on-one pre and post-purchase counseling and foreclosure prevention counseling. In addition, the agency administers an emergency mortgage payment revolving loan fund. In 2008,
Tampa Bay CDC became part of the National Foreclosure Mitigation Counseling Program(NFMCP). The housing counseling program consists of pre-purchase, homebuyer education, delinquency/default, post-purchase, and rental counseling. During Fiscal Year 2007-2008, Tampa Bay CDC provided 1,160 clients with one-on-one counseling. www.tampabaycdc.org