Provides prequalification home counseling services, home repair and modification, foreclosure prevention, barrier removal for seniors, and mortgages for first-time home buyers at rates generally below those available through banks.

A Mortgage Credit Certificate Program also exists to help reduce home loan financing costs for qualified homeowners.

Mortgage Credit Certificate program entitles qualified applicants to a federal income tax credit in an amount of up to $2,000 annually.

This enables qualified owners or buyers, who owe federal income taxes, to benefit from a dollar-for-dollar reduction of their tax bills.