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Provides comprehensive rental and ownership housing counseling services, certified by the Department of Housing and Urban Development (HUD). Counseling services address topics of delinquency and landlord/tenant mediation; and financial planning and pre-purchase. Also provides general information about HUD-subsidized programs, insurance and fair housing. Additionally, offers a foreclosure prevention program that combines mortgage, reverse mortgage and pre-foreclosure counseling, stabilization loans and repayment plans, to help low-income families in danger of losing their homes. Rather than being forced into a sale by the mortgage holder and thus forfeiting their equity, program offers borrowers two alternative options: avoiding default by working through a repayment plan to stay in their home, or gaining enough time to sell their homes on their own terms. Provides foreclosure mediation services as part of the Foreclosure Fairness Program.