Linda
H. Allen (404) 331-5001 ext. 2012 |
For
Release Thursday November 13, 2003 |
BUSH ADMINISTRATION ANNOUNCES MORE THAN $37 MILLION IN GRANTS TO PROMOTE HOMEOWNERSHIP AND HOUSING FOR LOW-INCOME FAMILIES
An estimated 730,000 individuals and families to benefit from housing counseling
GEORGIA RECEIVES $547,085
ATLANTA - Nearly 730,000 individuals and families will have a greater opportunity to find housing or keep the homes they have because of more than $37 million in housing counseling grants announced today by Housing and Urban Development Secretary Mel Martinez. Georgia receives $547,085. See attached chart for Georgia grant recipients.
It is estimated these grants will assist more than 430,000 people to either become first-time homeowners or remain homeowners after their purchase. The grants were awarded to 17 national and regional organizations and approximately 350 state and local housing counseling agencies. These organizations will provide counseling services and will help meet the Bush Administration's goal of increasing minority homeownership by 5.5 million families by the end of the decade.
"These housing counseling grants are an important part of this
Administration's goal to expand homeownership opportunities, particularly
for minorities," said Martinez. "President Bush and I are committed
to opening the doors
to the American Dream to more American families."
The 17 national and regional agencies distribute much of the HUD
funding to community-based grassroots organizations that provide
free 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. Notably, 3 of the
17 intermediaries are faith-based, including 2 that are first time
housing counseling grant recipients.
Of the $37.561 million in grants, $2.7 million is being awarded specifically to combat predatory lending, including awards to 4 national and regional intermediaries and 34 state and local organizations. Grantees will assist unwary borrowers in avoiding 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.
Additionally, $2 million is being awarded specifically for counseling in conjunction with HUD's Section 8Homeownership Voucher Program, which allows low-income individuals to use rental vouchers to purchase homes. Awards under this category are made to 4 national intermediaries and 35 state and local agencies. These grant recipients will help program participants realistically evaluate their readiness for a home purchase, understand their financing and down-payment options, and navigate what can be an extremely confusing and risky process.
President Bush is proposing to increase HUD's Housing Counseling grant program to $45 million next year - a 12.5 percent increase. The organizations that provide counseling services help people become or remain homeowners or find rental housing. In addition, HUD-funded housing counseling agencies assist homeless persons to find the transitional housing they need to move toward a permanent place to live.
Who benefits from housing counseling?
Based on past experience, HUD anticipates the counseling grants
announced today will enable approximately
257,000 would-be homeowners
to learn how to improve their credit, strengthen money management
skills and avoid predatory lenders and other unscrupulous practices.
Another 175,000 existing homeowners will learn how to avoid delinquency
and default, restructure debt and maintain their home. In addition,
nearly 213,000 individuals and
families who will receive HUD-funded
counseling are renters. Counseling services will help them find
housing closer
to their jobs or health care as well as teach them
about tenant rights. Finally, an estimated 16,000 homeless individuals
and families will learn how to find emergency services and secure
transitional housing.
HUD awards annual grants under this program through a competitive
process. Organizations that apply for grants
must be HUD-approved
and are subject to biannual performance reviews to maintain their
HUD-approved status.
HUD is the nation's housing agency committed to increasing homeownership,
particularly among minorities, creating affordable housing opportunities
for low-income Americans, supporting the homeless, elderly, people
with disabilities and people living with AIDS. The Department also
promotes economic and community development as well as
enforces
the nation's fair housing laws. More information about HUD and its
programs is available on the Internet.
###
Note: the following key corresponds to grant type.
CC = Comprehensive Housing Counseling
S8 = Counseling in Conjunction with HUD's Section 8 Homeownership
Voucher Program
GEORGIA | |||
Albany | CITY OF ALBANY, GEORGIA | $30,000
|
CC |
Athens | EAST ATHENS DEVELOPMENT CORPORATION, INC. | $15,000
|
CC |
Athens | HOUSING AND ECONOMIC LEADERSHIP PARTNERS, INC. | $21,629
|
CC |
Athens | UNIFIED GOVERNMENT OF ATHENS-CLARKE COUNTY | $15,000
|
CC |
Atlanta | COOPERATIVE RESOURCE CENTER, INC. | $15,000
|
CC |
Atlanta | GEORGIA HOUSING & FINANCE AUTHORITY | $147,388
|
CC |
Atlanta | GEORGIA HOUSING & FINANCE AUTHORITY | $21,280
|
S8 |
Atlanta | LATIN AMERICAN ASSOCIATION | $18,315
|
CC |
Decatur | DEKALB FULTON HOUSING COUNSELING CENTER, INC. | $21,629
|
CC |
Duluth | GWINNETT HOUSING RESOURCE PARTNERSHIP, INC. | $54,777
|
CC |
Gainesville | GAINESVILLE-HALL COUNTY NEIGHBORHOOD REVITALIZATION | $39,000
|
CC |
Marietta | COBB HOUSING, INC. | $25,000
|
CC |
Rome | APPALACHIAN HOUSING & REDEVELOPMENT CORPORATION | $41,007
|
CC |
Rome | APPALACHIAN HOUSING & REDEVELOPMENT CORPORATION | $15,600
|
S8 |
Savannah | ECONOMIC OPPORTUNITY FOR SAVANNAH-CHATHAM COUNTY AREA, INC. | $51,460
|
CC |
Warner Robins | MIDDLE GEORGIA COMMUNITY ACTION AGENCY, INC. | $15,000
|
CC |
State
Total: |
$547,085
|
Georgia Individual Grant Recipient Summaries
Cobb Housing, Inc.
Marietta, GA
$25,000 - Comprehensive Counseling
Cobb Housing, Inc. received designation from HUD as an approved
housing counseling agency in 1996. Cobb
Housing, Inc.'s target population
consists of individuals and families who fall within the low to
moderate-income bracket considered to be around $54,400. Cobb Housing,
Inc. provides homebuyer education seminars, one-on-one
counseling
in pre-purchase, post purchase, default/pre-foreclosure, predatory
lending, and rental counseling. Cobb Housing, Inc. uses a variety
of methods to maintain contact with potential homeowners during
and after the home buying process. During the past year, Cobb Housing,
Inc. serviced 323 clients. Cobb Housing, Inc. is currently
working
with the City of Marietta Family Self Sufficiency program in an
effort to transition Section 8 renters to homeownership.
DeKalb Fulton Housing Counseling Center, Inc.
Decatur, GA
$21,629 - Comprehensive Counseling
DeKalb Fulton Housing Counseling Center, Inc. maintains a complete
comprehensive housing counseling program in their two offices. The
agency reaches citizens in the metropolitan Atlanta area in particular,
which includes a
thirteen county area. DeKalb Fulton Housing Counseling
Center, Inc. offers homebuyer education classes, addresses fair
housing issues, and offers one-on-one counseling in pre-purchase,
post purchase, reverse mortgage, default,
and loss mitigation. The
DeKalb Fulton Housing Counseling Center, Inc. proposes to address
the issue of predatory lending abuses in the communities they serve
by providing initial housing counseling to the homeowner victims
who come into their offices in Fulton and DeKalb counties. After
an initial evaluation, they will refer the homeowners to
the Home
Defense Program and the Senior Citizen Law Project to provide legal
assistance. During the past year, DeKalb Fulton Housing Counseling
Center, Inc. serviced 1,786 clients.
Latin American Association
Atlanta, GA
$18,315 - Comprehensive Counseling
Latin American Association (LAA) was founded in 1972. LAA is the
largest HUD approved agency in the metropolitan Atlanta area whose
target population is the Latino/Hispanic population. Latin American
Association provides
education, advice, and advocacy for the Latino
community. The mission of Latin American Association is to provide
Latino families and individuals with transition services to help
them adapt successfully to the larger community. This
is done through
their homebuyer education seminars and one-on-one comprehensive
counseling. During the past
year, Latin American Association serviced
640 clients.
Gainesville Hall County Neighborhood Revitalization Housing,
Inc.
Gainesville, GA
$39,000 - Comprehensive Counseling
Gainesville Hall County Neighborhood Revitalization Housing, Inc.
(GHCNR) has provided homebuyer education and
one-on-one housing
counseling for more than five years. HUD approved the agency in
1999 for pre-purchase and in 2002 for default counseling. GHCNR's
comprehensive housing counseling program provides group and individual
assistance that impact the availability of affordable housing for
low and moderate income households. All counseling
is provided in
English and Spanish. During the reporting year October 1, 2001 through
September 20, 2002, GHCNR provided housing counseling service to
208 people. For fiscal year 2003, GHCNR will provide pre-purchase,
post-purchase and mortgage default counseling, loss mitigation,
home improvement and rehabilitation for all counties
within their
jurisdiction.
Georgia Housing and Finance Authority
Atlanta, GA$147,388 - Comprehensive Counseling
$21,280 - Section 8 Homeownership Voucher - Housing Counseling
Georgia Housing and Finance Authority (GHFA) is a State Housing Finance Agency. Since 1976, GHFA has provided affordable housing opportunities to low and moderate-income households throughout the State of Georgia. In 1996, GHFA merged with the Georgia Department of Community Affairs and created the Housing Finance Division to better coordinate housing and development programs, including the Home Buyer and OwnHOME Loan Programs. Since 1998, GHFA has administered the State's Housing Counseling Program, providing services to over 12,500 households. GHFA continues to utilize a network of eight Consumer Credit Counseling Service agencies that together oversee 27
affiliate offices to ensure that all counties in Georgia have counseling services available to assist residents with their home buying needs. In addition to individual counseling, GHFA has a network that provides homebuyer education to
30 non-profit agencies in a group setting. In efforts to increase services and expand access to diverse populations, GHFA will offer housing counseling agreements to seven other non-profit agencies staffed with certified housing counselors.
Housing and Economic Leadership Partners, Inc.
Athens, GA
$21,629 - Comprehensive Counseling
Housing and Economic Leadership Partners, Inc. (HELP) has been active
in housing counseling since 1993 and they have four experienced
housing counselors on staff. HELP coordinates with other organizations
such as Athens Area Homeless Coalition, U.S. Department of Agriculture,
Athens-Clarke County Family Connection Partnership, and the State
of Georgia Community Affairs to help assist in providing affordable
housing for low and moderate-income households. The agency provides
housing counseling for credit and budgeting, pre-purchase, post-purchase,
default, delinquency, home equity conversion mortgages, and landlord/tenant.
HELP proposes to serve 230 clients from October 1, 2003 through
September 30, 2004.
City of Albany, Georgia
Albany, GA
$30,000 - Comprehensive Counseling
The City of Albany Department of Planning & Community Development
(DPCD) has been HUD approved since 1992. Since its approval, the
agency has experienced a significant increase in the number of clients
who have received delinquency/default and/or pre-purchase housing
counseling required by both HUD and the Department of
Community
affairs (DCA). There is a definite need for housing counseling in
the applicant's community. Countless efforts are
made to assist
clients in solving housing problems and/or meeting their housing
needs through a
counseling plan designed uniquely for each client.
Follow-up counseling is provided and encouraged on an as
needed
basis. The City
of Albany Department of Planning & Community
Development has designed flyers and brochures, which are
distributed
throughout the service area informing them of DPCD housing programs.
In fiscal
year 2002, DPCD
provided counseling for 150 clients.
Economic Opportunity for Savannah Chatham County Area, Inc.
Savannah, GA
$51,460 - Comprehensive Counseling
The Economic Opportunity for Savannah Chatham County Area, Inc.
(EOA) participates in strategies on remedying
the effects of past
discrimination and limitations in the community. Their housing counseling
program services are offered to all citizens in their targeted areas,
regardless of race, color, national origin, religion, sex, disability
or
family status. In addition, they provide outreach activities
to all zip codes in their service area through their many programs.
EOA provides the following types of housing counseling activities:
loss mitigation, default and
delinquency, fair housing, home equity
conversion, pre-rental, money management and budgeting. EOA served
567 clients in
fiscal year 2002 instead of their proposed number
of 500.
Appalachian Housing & Redevelopment Corporation
Rome, GA
$41,007 - Comprehensive Counseling
$15,600 - Section 8 Homeownership Voucher - Housing Counseling
The Appalachian Housing and Redevelopment Corporation (AHRC) has
secured funding from a variety of resources
and implemented comprehensive
services and programs to benefit the low-income population of the
City of Rome
and Floyd County. Programs have been aimed at: reducing
crimes, encouraging self-sufficiency, encouraging
business development,
job training, education, etc. The Housing Counseling Program began
with funding received
from the fiscal year 1999 grant cycle and
has grown tremendously over the past four years. AHRC predicted
it
would serve 240 clients from its fiscal year 2002 funding. However,
they exceeded their expectation by 66% as
they successfully served
366 clients.
Gwinnett Housing Resource Partnership, Inc.
Duluth, GA
$54,777 - Comprehensive Counseling
Gwinnett Housing Resource Partnership was formed in 1992 as a community
response to the growing need for
housing services for low and moderate-income
households in Gwinnett County. Bilingual counseling is provided
for
all counseling services. The agency is the only Community Housing
Development Organization (CHDO) in Gwinnett County, Georgia. They
partnered with Neighborworks, AARP, Habitat for Humanity and United
Way. For fiscal year 2003, GHRP will provide the following counseling
activities: pre-purchase, post-purchase, mortgage delinquency, default,
loss mitigation, financial fitness workshops, and homebuyer education
workshops.
Cooperative Resource Center, Inc.
Atlanta, GA
$15,000 - Comprehensive Counseling
Cooperative Resource Center, Inc. obtained the HUD approval as a
housing counseling agency in April 2003. Cooperative Resource Center,
Inc.'s mission is to maximize innovation, productivity and efficiency
in the
development of affordable housing communities in Georgia.
Cooperative Resource Center, Inc. will provide comprehensive housing
counseling services to very low to moderate-income residents of
the metro Atlanta area, particularly Fulton County, Georgia. In
the 2002 Fulton County Annual Action Plan, it is stated that affordability
is
a critical issue for very low and low-income households. The
agency will participate in ongoing training which will enable them
to stay abreast of information needed to ensure their client's needs
are effectively met. Cooperative Resource Center, Inc. proposes
to serve 150 HUD clients in fiscal year 2003.
Middle Georgia Community Action Agency, Inc.
Warner Robins, GA
$15,000 - Comprehensive Counseling
Middle Georgia Community Action Agency has been a HUD certified
counseling agency since 1979. The agency has provided comprehensive
housing counseling services since that time. Middle Georgia Community
Action Agency
served a total of 335 clients during the grant period
of 2001-2002. The total number of clients served exceeded
the agency's
expectation. By providing counseling to their clients, they were
able to prevent homelessness in both
renters and homeowners and
relocate some that were displaced. As reported in the City of Warner
Robins Consolidated Plan for 2002-2005, low, moderate and middle-income
households are suffering a housing crisis with middle-income households
being severely affected. Therefore, Middle Georgia Community Action
Agency, Inc.
proposes to serve 820 clients in fiscal year 2003,
which is a 41% increase over fiscal year 2002.
East Athens Development Corporation, Inc.
Athens, GA
$15,000 - Comprehensive Counseling
East Athens Development Corporation, Inc. received designation from
HUD as an approved housing counseling
agency in January 2002. East
Athens Development Corporation, Inc. serves eleven counties in the
state of Georgia. East Athens Development Corporation, Inc. accomplishes
their mission by promoting awareness and understanding
of housing
needs through housing counseling, outreach, education on fair housing
rights, and providing mediation services addressing housing complaints.
East Athens Development Corporation, Inc. serviced 165 clients October
1, 2001 through September 30, 2002. The agency's performance can
be characterized by goals being met utilizing their funds. All goals
were met and the results were successful. The agency proposes to
counsel 300 clients in the fiscal year 2003.
Unified Government of Athens-Clarke County
Athens, GA
$15,000 - Comprehensive Counseling
Unified Government of Athens-Clarke County (UGACC) has been providing
housing counseling services to residents throughout Northeast Georgia
since 1979. The agency's counseling services assist residents in
finding and keeping their homes, as well as, expanding housing choices
in Athens-Clarke County. The agency puts forth every effort to serve
at least 50 clients annually. However, UGACC exceeded their goal
last year and provided counseling to 53 clients. Unified Government
of Athens-Clarke County proposed goal for fiscal year 2003 is to
successfully serve 50 clients as well. The agency's counseling services
include fair housing, mortgage default, home equity conversion,
homebuyer education and budgeting.