Fiscal Year 1997 Notice of Funding Availability HUD-Approved Housing Counseling Agencies

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-4172-N-01]

Fiscal Year 1997 Notice of Funding Availability HUD-Approved

Housing Counseling Agencies

AGENCY: Office of the Assistant Secretary for Housing-Federal Housing

Commissioner, HUD.

ACTION: Notice of Funding Availability (NOFA).

-----------------------------------------------------------------------

SUMMARY: Purpose. This notice announces the availability of Fiscal Year

(FY) 1997 funding from the U.S. Department of Housing and Urban

Development (HUD) for HUD-approved housing counseling agencies to

provide housing counseling to homebuyers, homeowners, and renters.

Available Funds. Up to $13,125,000.

Eligible Applicants. All housing counseling agencies approved by

HUD as of the publication date of this NOFA may apply for FY 1997

funding. This includes: (1) Multi-State, regional, or national

intermediary organizations, and (2) local housing counseling agencies

that do not elect to affiliate with a HUD-approved intermediary

organization.

This NOFA contains additional information on the purpose and

background of the NOFA and funding levels available to local counseling

agencies and intermediary organizations respectively; eligible

activities and funding criteria; and application requirements and

procedures.

DEADLINE FOR RECEIPT OF APPLICATIONS: Completed applications must be

submitted no later than 4:00 p.m. local time on June 2, 1997. As

further described below, any completed application must be physically

received by this deadline date and hour at the appropriate local HUD

office (for local applicants) or at the Office of Housing, Department

of Housing and Urban Development, 451 7th Street, SW, Room 9166,

Washington D.C. 20410 (for national, regional or multi-State

applicants). In the interest of fairness to all applicants, late

applications will be treated as ineligible for consideration.

Applicants should take this requirement into account and make early

submission of their applications to avoid loss of eligibility brought

about by any unanticipated delays or other delivery-related problems.

It is not sufficient for an application to be postmarked within the

deadline. Applications sent by facsimile (FAX) will not be accepted.

HUD will not waive this submission deadline for any reason.

ADDRESSES: For local housing counseling agency applicants: An original

and three copies of the completed application must be submitted to the

local HUD office having jurisdiction over the locality or area in which

the proposed program is located. These copies should be sent to the

attention of the Single Family Division Director, and the envelope

should be clearly marked, ``FY 1997 Counseling Application''. A list of

Single Family Division Directors and local HUD Offices appears at the

end of this NOFA. Failure to submit an application to the correct

office in accordance with the above procedures will result in

disqualification of the application.

For national, regional and multi-State housing counseling agencies:

An original and three copies of the completed application must be

submitted to the person listed below in HUD Headquarters. The envelope

should be clearly marked, ``FY 1997 Counseling Application.''

FOR FURTHER INFORMATION CONTACT: Monica Schuster, Director, Marketing

and Outreach Division, Office of Insured Single Family Housing,

Department of Housing and Urban Development, 451 7th Street, SW, Room

9166, Washington DC 20410; telephone (202) 708-0317 (voice); and the

hearing and speech impaired persons may access this number by calling

the Federal Information Relay Operator at 1-800-877-8339 (TTY number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act Statement

The information collection requirements contained in this NOFA have

been approved by the Office of Management and Budget, under section

3504(h) of the Paperwork Reduction Act of 1995 (44 USC 3501-3520), and

assigned OMB control number 2502-0261. An agency may not conduct or

sponsor, and a person is not required to respond to, a collection of

information unless the collection displays a valid control number.

Promoting Comprehensive Approaches to Housing and Community

Development

HUD is interested in promoting comprehensive, coordinated

approaches to housing and community development. Economic development,

community development, public housing revitalization, homeownership,

assisted housing for special needs populations, supportive services,

and welfare-to-work initiatives can work better if linked at the local

level. Toward this end, HUD in recent years has developed the

Consolidated Planning process designed to help communities undertake

such approaches.

In this spirit, it may be helpful for applicants under this NOFA to

be aware of other related HUD NOFAs that have recently been published

or are expected to be published in the near future. By reviewing these

NOFAs with respect to their program purposes and the eligibility of

applicants and activities, applicants may be able to relate the

activities proposed for funding under this NOFA to the recent and

upcoming NOFAs and to the community's Consolidated Plan.

With respect to homeownership, the Department expects to publish in

the Federal Register in the next few weeks the Homeownership Zones

NOFA.

To foster comprehensive, coordinated approaches by communities, HUD

intends for the remainder of FY 1997 to continue to alert applicants to

upcoming and recent NOFAs as each NOFA is published. In addition, a

complete schedule of NOFAs to be published during the fiscal year and

those already published appears under the HUD Homepage on the Internet,

which can be accessed at http://www.hud.gov/nofas.html. Additional

steps on NOFA coordination may be considered for FY 1998.

For help in obtaining a copy of your community's Consolidated Plan,

please contact the community development office of your municipal

government.

I. Purpose and Substantive Description

A. Authority and Purpose

HUD's housing counseling program is authorized under Section 106 of

the Housing and Urban Development Act of 1968 (12 USC 1701x). The

purpose of the program is to promote and protect the interests of

housing consumers participating in HUD and other housing programs, as

well as to help protect the interests of HUD and mortgage lenders. The

Housing Counseling program is generally governed by HUD Handbook

7610.1, REV-4, dated August 9, 1995.

Section 106 authorizes HUD to provide counseling and advice to

tenants and homeowners with respect to property maintenance, financial

management, and such other matters as may be appropriate to assist

tenants and homeowners in improving their housing conditions and in

meeting the responsibilities of tenancy and homeownership. In addition,

HUD-approved counseling agencies are permitted and encouraged by HUD to

conduct community outreach activities

[[Page 23917]]

and provide counseling to individuals, such as minorities and persons

with disabilities with the objective of increasing awareness of

homeownership opportunities and improving access of low and moderate

income households to sources of mortgage credit. HUD believes that this

activity is key to the revitalization and stabilization of low income

neighborhoods.

Under the housing counseling program, HUD contracts with qualified

public or private nonprofit organizations to provide the services

authorized by the statute. When Congress appropriates funds for this

purpose, HUD announces the availability of such funds, and invites

applications from eligible agencies, through a notice published in the

Federal Register. Currently there are 746 HUD-approved local housing

counseling agencies with 335 Branch Offices and 9 HUD-approved

intermediary organizations. Annually, all HUD-approved agencies are

eligible to apply for housing counseling grants. However, an agency

that is approved by HUD does not automatically receive HUD funding, and

HUD expects that all counseling agencies will continually work to

develop other funding resources. In FY '96, 183 HUD-approved local

housing counseling agencies and 4 HUD-approved national/regional/multi-

state housing counseling agencies received funding from HUD.

B. Allocation Amounts

Fifteen million dollars ($15 million) has been appropriated from

the 1997 Appropriations Act, P. L. 104-204, approved October 7, 1996

for this program. Of this amount, $13,125,000 is being made available

under this NOFA for lump-sum, performance-based grants, as defined at

24 CFR part 84, subpart E. Approximately $5 million is being set aside

to fund national, regional and multi-State organizations that apply for

funding under this NOFA. No national/regional/multi-State agency may

receive more than $1 million. Approximately $8,125,000 has been made

available for grants to local HUD approved housing counseling agencies,

and it has been allocated to each of the HUD Field Offices by a formula

that gives equal weight to the percentage of HUD insured single family

mortgage defaults within each Field Office jurisdiction as of August

31, 1996, compared to the nationwide total and the percentage of first-

time homebuyers that were approved for FHA-insured mortgages within the

Field Office jurisdiction during FY 1996 compared to the nationwide

total for that period. This formula reflects the increased emphasis

that HUD is placing on the expansion of homeownership opportunities for

first-time homebuyers and its intent to ensure appropriate geographical

distribution of program funds. For FY 1997, no individual local housing

counseling agency may be awarded more than $100,000.

Allocations for use in local agency programs, by HUD Field Office,

are estimated as follows:

--------------------------------------------------------------------------------------------------------------------------------------------------------

Default data First time homebuyer data

--------------------------------------------------------------

No. of % of Total

HUD field office defaults % of Allocation No. of nat'l Allocation allocation

nat'l amount 1st 1st amount

defaults timers timers

--------------------------------------------------------------------------------------------------------------------------------------------------------

New England

Boston............................................................ 812 0.48 19,554.75 5,232 1.09 44,348.05 63,903

Hartford.......................................................... 1,726 1.02 41,565.89 6,745 1.41 57,172.70 98,739

Manchester*....................................................... 401 0.24 9,656.97 3,085 0.64 26,149.41 35,806

*(NH, ME, VT).....................................................

Providence........................................................ 266 0.16 6,405.87 1,719 0.36 14,570.78 20,977

New York/Jersey

Albany............................................................ 2,190 1.30 52,740.04 6,032 1.26 51,129.10 103,869

Buffalo........................................................... 2,578 1.53 62,083.93 5,522 1.15 46,806.18 108,890

Camden............................................................ 4,076 2.42 98,159.08 5,841 1.22 49,510.12 147,669

New York.......................................................... 3,518 2.09 84,721.21 7,992 1.67 67,742.66 152,464

Newark............................................................ 2,121 1.26 51,078.36 4,466 0.93 37,855.20 88,934

Mid Atlantic

Baltimore......................................................... 3,957 2.35 95,293.30 12,961 2.70 109,861.44 205,155

Charleston........................................................ 93 0.06 2,239.65 894 0.19 7,577.82 9,817

Philadelphia*..................................................... 5,952 3.53 143,337.31 12,678 2.65 107,462.65 250,800

(* DE)............................................................ ......... ........ .............. ......... ....... .............. ...........

Pittsburgh........................................................ 1,241 0.74 29,886.02 3,923 0.82 33,252.56 63,139

Richmond.......................................................... 4,343 2.57 104,589.03 12,102 2.53 102,580.29 207,169

Washington DC..................................................... 4,681 2.77 112,728.82 12,141 2.53 102,910.87 215,640

Southeast/Caribbean

Atlanta........................................................... 7,267 4.31 175,005.41 13,627 2.84 115,506.66 290,512

Birmingham........................................................ 2,478 1.47 59,675.71 5,987 1.25 50,747.66 110,423

Caribbean......................................................... 3,944 2.34 94,980.23 6,710 1.40 56,876.03 151,856

Coral Gables...................................................... 6,048 3.59 145,649.20 12,183 2.54 103,266.87 248,916

Columbia.......................................................... 2,098 1.24 50,524.47 3,852 0.80 32,650.74 83,175

Greensboro........................................................ 3,251 1.93 78,291.26 9,140 1.91 77,473.47 155,765

Jackson........................................................... 1,997 1.18 48,092.17 3,775 0.79 31,998.07 80,090

Jacksonville...................................................... 1,733 1.03 41,734.47 4,666 0.97 39,550.46 81,285

Louisville........................................................ 861 0.51 20,734.78 5,083 1.06 43,085.08 63,820

Knoxville......................................................... 993 0.59 23,913.63 3,086 0.64 26,157.89 50,072

Memphis........................................................... 4,616 2.74 111,163.47 6,462 1.35 54,773.91 165,937

Nashville......................................................... 1,526 0.90 36,749.45 4,612 0.96 39,092.74 75,842

Orlando........................................................... 3,052 1.81 73,498.90 6,451 1.35 54,680.67 128,180

Tampa............................................................. 2,686 1.59 64,684.81 6,803 1.42 57,664.33 122,349

Midwest

Chicago and Spring................................................ 8,012 4.75 192,946.65 21,878 4.56 185,444.69 378,391

[[Page 23918]]

Cincinnati........................................................ 1,147 0.68 27,622.29 4,843 1.01 41,050.77 68,673

Cleveland......................................................... 3,058 1.81 73,643.39 5,135 1.07 43,525.85 117,169

Columbus.......................................................... 1,612 0.96 38,820.52 4,665 0.97 39,541.98 78,363

Detroit........................................................... 3,065 1.82 73,811.97 10,318 2.15 87,458.56 161,271

Grand Rapids...................................................... 882 0.52 21,240.51 5,040 1.05 42,720.60 63,961

Indianapolis...................................................... 2,902 1.72 69,886.57 10,810 2.26 91,628.90 161,515

Milwaukee......................................................... 649 0.38 15,629.35 2,257 0.47 19,131.03 34,760

Flint............................................................. 429 0.25 10,331.27 1,849 0.39 15,672.70 26,004

Minneapolis....................................................... 3,194 1.89 76,918.57 14,239 2.97 120,694.17 197,613

Southwest

Albuquerque....................................................... 552 0.33 13,293.38 2,841 0.59 24,081.19 37,375

Ft Worth and Dallas............................................... 7,096 4.21 170,887.35 14,357 3.00 121,694.37 292,582

Houston........................................................... 3,388 2.01 81,590.52 5,984 1.25 50,722.23 132,313

Little Rock....................................................... 1,627 0.96 39,181.75 5,500 1.15 46,619.70 85,801

Lubbock........................................................... 1,403 0.83 33,787.34 3,742 0.78 31,718.35 65,506

New Orleans....................................................... 1,707 1.01 41,108.33 4,957 1.03 42,017.06 83,125

Oklahoma City..................................................... 1,247 0.74 30,030.51 3,999 0.83 33,896.76 63,927

San Antonio....................................................... 2,548 1.51 61,361.47 9,285 1.94 78,702.53 140,064

Shreveport........................................................ 785 0.47 18,904.53 1,510 0.32 12,799.23 31,704

Tulsa............................................................. 914 0.54 22,011.14 2,371 0.49 20,097.33 42,108

Great Plains

Des Moines....................................................... 429 0.25 10,331.27 2,114 0.44 17,918.92 28,250

Kansas Cty/Topeka................................................. 1,905 1.13 45,876.61 8,198 1.71 69,488.78 115,365

Omaha............................................................. 607 0.36 14,617.90 3,583 0.75 30,370.62 44,989

St Louis.......................................................... 1,704 1.01 41,036.08 5,757 1.20 48,798.11 89,834

Rocky Mountains

Denver*........................................................... 2,554 1.51 61,505.96 18,181 3.79 154,107.78 215,614

*(WY, ND, SD)..................................................... ......... ........ .............. ......... ....... .............. ...........

Helena............................................................ 369 0.22 8,886.33 1,546 0.32 13,104.37 21,991

Salt Lake City.................................................... 926 0.55 22,300.13 8,372 1.75 70,963.66 93,264

Pacific/Hawaii

Fresno............................................................ 3,109 1.84 74,871.59 10,157 2.12 86,093.87 160,965

Honolulu.......................................................... 343 0.20 8,260.20 786 0.16 6,662.38 14,923

Los Angeles....................................................... 5,976 3.54 143,915.28 18,831 3.93 159,617.38 303,533

Phoenix........................................................... 3,483 2.06 83,878.33 11,602 2.42 98,342.14 182,220

Reno (See below).................................................. ......... 0.00 0.00 ......... 0.00 0.00 0

Sacramento........................................................ 1,983 1.18 47,755.02 7,511 1.57 63,665.56 111,421

San Diego......................................................... 883 0.52 21,264.59 3,746 0.78 31,752.25 53,017

San Francisco..................................................... 1,273 0.75 30,656.65 4,076 0.85 34,549.44 65,206

Santa Anna........................................................ 1,205 6.64 269,841.15 20,908 4.36 177,222.67 447,064

Las Vegas and Reno................................................ 1,685 1.00 40,578.52 6,626 1.38 56,164.02 96,743

Tucson............................................................ 525 0.31 12,643.16 1,480 0.31 12,544.94 25,188

Northwest/Alaska

Anchorage......................................................... 139 0.08 3,347.43 1,242 0.26 10,527.58 13,875

Boise............................................................. 532 0.32 12,811.73 2,177 0.45 18,452.92 31,265

Portland.......................................................... 610 0.36 14,690.15 5,013 1.05 42,491.74 57,182

Seattle and Spokane............................................... 1,731 1.03 41,686.30 8,021 1.67 67,988.48 109,675

-------------------------------------------------------------------------------------

TOTAL......................................................... 168,693 ........ 4,062,500 479,277 ....... 4,062,500 8,125,000

--------------------------------------------------------------------------------------------------------------------------------------------------------

An allocation of $1,875,000 in program funding has been set aside

for Housing Counseling support which may include: Continuation of the

Housing Counseling Clearinghouse, 800 service to provide information to

the public regarding local HUD-approved housing counseling agencies,

and/or other HUD counseling initiatives.

If funds remain after HUD has funded all approvable grant

applications in a HUD Field Office jurisdiction, or if any funds become

available due to deobligation, that amount shall be reallocated and

used in keeping with the statute and in a manner that will improve the

delivery of housing counseling service nationwide. Left over and

recaptured funds will be reallocated and used consistent with the terms

of this NOFA. Consideration will be given to the field offices with the

greatest need. The criteria will include the number of defaults and

first-time home buyers, and if there is at least one housing counseling

grantee servicing the locality.

C. Eligible Applicants

1. General

There are two types of HUD-approved organizations that are eligible

to submit applications pursuant to this NOFA: (1) National, regional,

or multi-State housing counseling organizations (also known as

``intermediaries'' or ``umbrella groups''); and (2) local housing

counseling agencies.

National, regional, and multi-State nonprofit, intermediary

organizations must identify all their proposed

[[Page 23919]]

affiliates in their application. These intermediaries must assure that

their proposed affiliates are unique to their team and will not

undertake a separate application for funds either as an affiliate of

another intermediary or directly as a HUD-approved local counseling

agency. Should any duplication occur, both the intermediary

organization and the local agency involved will automatically be

ineligible for further consideration to receive FY 1997 housing

counseling funds. In addition, an intermediary-applicant must also

assure that it has executed a sub-agreement with its affiliates that

clearly delineates their mutual responsibilities for program

management, incorporating appropriate timeframes for reporting results

to HUD.

Once funded, the national, regional, and multi-State intermediaries

will be given broad discretion in implementing their housing counseling

programs. On behalf of HUD, the intermediaries will act as managers in

the housing counseling process and, as such, may determine funding

levels and counseling activity for each of their affiliates, except

that no single affiliate may receive more than $100,000. HUD will hold

the intermediary organization accountable for the performance of its

affiliates.

Local counseling agencies may apply either directly to HUD for

funding, or as a part of an affiliated intermediary network. Since

continuation of funding for housing counseling activities as a separate

and discrete program for FY 1997 and thereafter is not guaranteed, HUD

encourages local agencies to consider affiliating with a larger entity

as one avenue of possible future funding and support for local

programs. Local housing counseling agencies that are not currently HUD-

approved may receive FY 1997 funding only as an affiliate of a HUD-

approved national, regional, or multi-State intermediary's application

for FY 1997 funds. In this instance, the intermediary organization must

certify that the quality of services provided will meet, or exceed,

standards for local HUD-approved agencies.

2. Civil Rights Prerequisites

Applicants that fall into any one of the following categories will

be ineligible for funding under this NOFA:

a. The Department of Justice has brought a civil rights suit

against the applicant and the suit is pending;

b. There has been an adjudication of a civil rights violation in a

civil action brought against the applicant by a private individual,

unless the applicant is operating in compliance with a court order, or

implementing a HUD-approved compliance agreement designed to correct

the areas of noncompliance;

c. There are outstanding findings of noncompliance with civil

rights statutes, Executive Orders or regulations as a result of formal

administrative proceedings, or the Secretary has issued a charge

against the applicant under the Fair Housing Act, unless the applicant

is operating under a conciliation or compliance agreement designed to

correct the areas of noncompliance; or

d. HUD has deferred application processing by HUD under one of the

following authorities:

i. Title VI of the Civil Rights Act of 1964 and the implementing

guidelines of the Attorney General (28 CFR 50.3) and the HUD

regulations (24 CFR 1.8);

ii. Section 504 of the Rehabilitation Act of 1973 and the HUD

section 504 regulations (24 CFR 8.57);

iii. Executive Order 11063, as amended by Executive Order 12892 and

HUD regulations (24 CFR Part 107);

iv. Title II of the Americans with Disabilities Act of 1990 and

applicable regulations (28 CFR Part 36); or

v. The Age Discrimination Act of 1975 (42 U.S.C. 6101-6107) and

implementing regulations (24 CFR Part 146).

3. Requirements to Affirmatively Further Fair Housing

Three Civil Rights acts and their implementing regulations form the

basis for HUD's evaluation of proposals for the extent to which they

will affirmatively further fair housing:

a. Section 808(e)(5) of the Fair Housing Act requires HUD to

administer all its programs in a manner which affirmatively furthers

fair housing on the bases of race, color, national origin, religion,

sex, disability, and familial status.

b. HUD's regulation at 24 CFR 1.4(b)(6) which implements Title VI

of the Civil Rights Act requires recipients of HUD funds to take

affirmative action to overcome the effects of conditions which resulted

from limiting participation of persons by race, color, or national

origin even in the absence of prior discrimination by the organization.

c. Section 504 of the Rehabilitation Act of 1973 requires

recipients of HUD funds to provide housing opportunities for persons

with disabilities which are comparable to those for non-disabled

persons and to ensure accessibility in all programs so funded.

All applications must address these requirements by discussing how

the recipient plans to affirmatively further fair housing. This may be

done in a variety of ways, as appropriate to the community. Making

counseling offices and services accessible to persons with a wide range

of disabilities and helping such persons to locate suitable housing in

locations throughout the metropolitan or community area is suggested

for both national, regional, or multi-state housing counseling

organization, as well as for local counseling agencies. However,

programs should be developed to meet the needs of all individuals

regardless of race, national origin, or disability. The following are

additional suggestions:

National, Regional, or Multi-State Housing Counseling Organizations

--Implement affirmative marketing strategies to attract all segments of

the population listed as prohibited bases in the Fair Housing Act who

are least likely to apply for Housing Counseling to purchase or retain

their homes.

--Take actions to reduce concentrations of poverty and/or minority

populations. This could include working with, or adopting the

counseling practices of, agencies which conduct opportunity counseling

to encourage low-income and minority persons to move to low-

concentration areas and helping to locate suitable housing in such

areas. It could also include working with local lenders to develop

alternative lending criteria: For instance, the counseling agency may

make referrals to the lenders of clients with good credit and payment

histories, but who do not fit the standard profiles for lending

practices or of clients with financial patterns which reflect cultural

differences (such as family savings pools common among some Asian

populations). Such activity should also focus on finding appropriate

housing, free from environmental hazards, for all segments of the

population in neighborhoods with good transportation, schools,

employment opportunities, and other services. Such housing would

include accessible housing to accommodate persons with a variety of

disabilities, i.e., mobility, hearing, visual, and persons with

multiple chemical sensitivities (MCS), etc.

Local Housing Counseling Agencies

--Participate in local fair housing strategies with major emphasis on

remedying the effects of past discrimination and limitations in the

community. This could include: working with CPD Entitlement

Jurisdictions to help to identify impediments to fair housing choice

[[Page 23920]]

which have been identified in the process of working with clients;

becoming familiar with the jurisdiction's identified impediments and

adjusting its counseling activities to help overcome these impediments;

and/or working with other public and private resources to develop fair

housing strategies applicable to the counseling activities, on a

community-wide or metropolitan-wide basis. Counseling agencies could

also work with local disability rights organizations and housing

providers to identify and list by address and type, accessible housing

which is available to accommodate persons with a variety of

disabilities, i.e. mobility, hearing, visual, and MCS, etc.

4. Requirements Applicable to Religious Organizations

Where the applicant is, or proposes to contract with, a primarily

religious organization, or a wholly secular organization established by

a primarily religious organization, to provide, manage, or operate a

housing counseling program, the organization must undertake its

responsibilities under the counseling program in accordance with the

following principles:

a. It will not discriminate against any employee or applicant for

employment under the program on the basis of religion and will not

limit employment or give preference in employment to persons on the

basis of religion;

b. It will not discriminate against any person applying for

counseling under the program on the basis of religion and will not

limit such assistance or give preference to persons on the basis of

religion; and

c. It will provide no religious instruction or religious

counseling, conduct no religious services or worship, engage in no

religious proselytizing, and exert no other religious influence in the

provision of assistance under the housing counseling program.

D. Eligible Activities

Eligible activities will vary depending upon whether the applicant

is a HUD-approved local counseling agency or a HUD-approved national,

regional, or multi-State housing counseling intermediary. Lease,

rehabilitation, or acquisition of facilities is not an eligible

activity.

1. Local Housing Counseling Agencies

Local housing counseling agencies funded under this NOFA may use

HUD funds to deliver comprehensive housing counseling or to specialize

in the delivery of particular housing counseling services according to

the housing needs they identified for their target area in the plan

that was previously approved by HUD. HUD recognizes that local housing

counseling agencies may offer a wide range of services, including:

a. Renter assistance, including information about rent subsidy

programs, rights and responsibilities of tenants, lease and rental

agreements, etc.;

b. Outreach initiatives, including providing general information

about housing opportunities within the community and providing

appropriate information to persons with disabilities;

c. Pre-purchase homeownership counseling, covering such issues as

purchase procedures, mortgage financing, downpayment/closing cost fund

accumulation, accessibility requirements of the property--if

appropriate, credit improvement, debt consolidation, etc.;

d. Post-purchase counseling, including such issues as property

maintenance, personal money management, home equity conversion

mortgages, etc.; or

e. Mortgage delinquency and default resolution, including

restructuring debt, arrangement of reinstatement plans, loan

forbearance, loss mitigation, etc.

HUD-funded local counseling agencies may elect to offer their

services to a wide range of clients or may elect to serve a more

limited audience, so long as limitations are not based on any of the

prohibited bases of the Fair Housing Act. Potential clients include:

renters; potential homebuyers including those homebuyers that have been

underserved such as minority and persons with disabilities; homeowners

eligible for and applying for HUD-related, VA, FmHA (or its successor

agency), State, local, or conventionally financed housing or housing

assistance; or persons who occupy such housing and seek the assistance

of a HUD-approved housing counseling agency to resolve a housing need

(including the need of a person with a disability for accessible

housing) or problem. Local housing counseling agencies may elect to

offer this assistance in conjunction with any HUD housing program but

must be familiar with FHA's single family and multifamily housing

programs.

2. National, Regional, or Multi-State Counseling Intermediaries

The primary activity of national, regional, or multi-State

nonprofit housing counseling intermediaries will be to manage the use

of HUD housing counseling funds, including the distribution of

counseling funding to affiliated local housing counseling

organizations. Local affiliates of the selected national, regional, or

multi-State counseling intermediaries are eligible to undertake any or

all of the housing counseling activities outlined above for the HUD-

approved local housing counseling agencies. The local affiliates

receiving funding through intermediaries do not need to be HUD-approved

in order to receive these funds from the intermediary. However, the

national, regional, or multi-State intermediary organization must be

HUD-approved as of the NOFA publication date.

E. Selection Process

1. Housing Counseling Agencies

All applications meeting the requirements of this NOFA will be

selected for funding within their competitive category, if sufficient

funds are available: (1) In the set aside for National, Regional, or

multi-State organizations, or (2) within the HUD Field Office

allocation for local housing counseling agency applicants.

a. Criteria/Ranking Factors: All applications from Intermediary

agencies will be rated and ranked by staff in the HUD Headquarters

Office. All applications from local counseling agencies will be rated

and ranked by staff in the appropriate local HUD Field Office and by

the Secretary's Representative in the appropriate State office. The

Secretary's Representative and the local HUD Office staff will use the

same criteria and ranking factors, as follows:

i. Capability of the applicant as determined by HUD, including

competent delivery of counseling services and timely drawdown of any

HUD funds awarded in the prior Fiscal Year--up to 45 points (up to 40

points assigned by HUD's Housing staff; up to 5 points assigned by the

Secretary's Representative). Rating factors will include but not be

limited to the following: first-time home buyer education and

counseling; default, loss mitigation and foreclosure prevention

counseling; information on the availability and financing of housing;

counseling on rehabilitating and refinancing of housing; information on

the purchase of housing from HUD and other government agencies;

providing HECM counseling;

ii. Adequacy of the activities proposed by the applicant in

response to housing needs identified in the applicant's housing

counseling plan as previously approved by HUD--up to 20

[[Page 23921]]

points (up to 15 points assigned by HUD's Housing staff; up to 5 points

assigned by the Secretary's Representative);

iii. Evidence of private funding sources contributing to the

applicant's operating budget over the past calendar year--up to 15

points assigned by HUD's Housing staff; and

iv. Evidence of current funding support from units of government

located within the target area which the applicant intends to serve--up

to 10 points assigned by HUD's Housing staff.

v. Extent to which proposal provides methods for affirmatively

furthering fair housing--up to 10 points assigned by HUD's FHEO staff.

Special consideration will be given to particularly innovative

strategies and those designed to remedy the effects of past

discrimination as described in paragraph C.3, Requirements to

Affirmatively Further Fair Housing.

b. Selection Procedure: National, regional, and multi-State

applications will be rated and ranked in Headquarters and selected for

funding, in rank order, until all funds for such agencies are depleted.

Local agency applications will be rated and ranked by the Field Office

and selected for funding, in rank order, until all funds for such

agencies are depleted.

i. Breaking a Tie

If two or more applications receive the same number of points and

sufficient funds are not available to fund all such applications, first

the application or applications requesting the smallest grants will be

selected, if a sufficient amount remains to fund them. If two or more

tied applications request the same amount and sufficient funds are not

available to fund all such applications, the following system will be

used to break the ties:

A. If the tied applications are for programs to be carried out in

different jurisdictions, applications with the highest number of points

for the rating criterion a.ii. (adequacy of activities) stated above

will be selected, if sufficient funds remain.

B. If the tied applications are to be carried out in the same

jurisdiction, applications with the highest number of points for the

rating criterion a.i. (capability) stated above will be selected, if

sufficient funds remain.

ii. Reallocations

Funds remaining after applying the procedures described in

paragraph E.1.b. will be reallocated to Headquarters for distribution

in accordance with the statute.

iii. Procedural Errors

Procedural errors by HUD discovered after initial ratings, but

before notification to Congress of selected applicants, will be

corrected and rankings will be revised.

iv. Reductions

HUD will approve an application for an amount lower than the amount

requested or adjust line items in the proposed budget within the amount

requested (or both) if it determines that:

A. The amount requested for one or more eligible activities is

unreasonable, unnecessary, or unjustified;

B. An activity proposed for funding does not qualify as an eligible

activity;

C. The applicant is not able to carry out all the activities

requested; or

D. Insufficient amounts remain in that funding round to fund the

full amount requested in the application.

v. Limitation of Geographic Scope

HUD may reduce the geographic scope of the proposed program if it

determines that:

A. Two or more fundable applications substantially overlap; or

B. The proposed geographic scope is overly large given the capacity

of the organization.

2. National, Regional, and Multi-State Counseling Organizations

If more applications are submitted to HUD Headquarters from

national, regional, and multi-State organizations that meet all the

requirements of this NOFA than can be funded with the amount allocated

for this purpose, they will be rated by staff in HUD Headquarters using

the above ranking criteria stated in paragraph 1.a., and the top-rated

applicants will be selected. Paragraphs 1. b.iii., b.iv., and b.v.,

above also apply to the selection of national, regional, and multi-

State counseling organizations.

3. Notification of Approval or Disapproval

After completion of the selection process, but no later than six

months after the deadline date for submission of the applications, as

stated in this NOFA, HUD will notify, in writing, the applicants that

have been selected and the applicants that have not been selected.

F. Funding Levels

Funding levels will be based on the amount authorized by the

Congress, geographical distribution as described above, the performance

record of each counseling agency as determined by HUD's analysis of

prior year counseling workload and results of the most recent biennial

performance review, competent delivery of counseling services and

timely drawdown of funds awarded, and the agency's needs, as specified

in the application according to its housing counseling plan previously

approved by HUD. In addition, applicants that can demonstrate

successful efforts to obtain non-HUD funding in their applications will

receive extra consideration in HUD's rating and ranking process. HUD

funding provided must be less than the total actual cost of the

agency's housing counseling program.

1. Local Housing Counseling Agencies

HUD will fund local agencies according to the budget submitted with

the application, in an amount not to exceed $100,000. Amounts requested

by local housing counseling agencies should reflect anticipated

operating needs for housing counseling activities, based upon

counseling experience during the last year and existing agency

capacity. To the maximum extent possible, local counseling agencies

also must seek other private and public sources of funding to

supplement HUD funding. HUD never intends for its counseling grant

funds to cover all costs incurred by an agency participating in the

program.

Local housing counseling agencies may use the HUD grant to

undertake any of the eligible counseling activities described in this

NOFA and included in their HUD-approved plan. FY 1997 housing

counseling grant funds also may be used for ``capacity building'' which

permits up to $4,000 of the grant amount be used to: purchase computer

equipment that meets, or exceeds, HUD specifications; enhance existing

telephone service, such as purchasing a telecommunications equipment

for the hearing-impaired (TTY) to serve persons with hearing

impairments (as an alternative to using the TTY relay service); and

install FAX machines. The Department will require that all grantees

funded in 1997 which do not currently have adequate computer systems

(and were not funded by HUD under the FY 1995 or FY 1996 NOFA) use all

or a portion of their $4,000 capacity building portion of the grant to

purchase computer hardware according to HUD specifications. Computer

training for one staff person also may be paid from the $4,000 set-

aside, as may training on how to use a TTY. Title to equipment acquired

by a recipient with program funds shall vest in the recipient, subject

to the provisions of 24 CFR part 84, subpart E. Agencies funded under

the FY 1995 and/or FY 1996 NOFA already received an allocation of

capacity

[[Page 23922]]

building funds and may not request additional capacity building funds

in 1997.

2. National, Regional, or Multi-State Counseling Intermediaries

The intermediary organization will distribute the majority of funds

awarded to their proposed local housing counseling affiliates.

Intermediaries should budget an amount which reflects their best

estimate of cost to oversee and fund these counseling efforts, as well

as the funding needs of their affiliates. Note that HUD housing

counseling funding is not intended to fully fund either the

intermediary's housing counseling program or the housing counseling

programs of the local affiliates. To the maximum extent possible,

intermediaries and their local affiliates are expected to seek other

private and public sources of funding for housing counseling to

supplement HUD funding.

An intermediary may use up to $5,000 of its total grant amount for

capacity building expenses such as: purchasing computer equipment;

enhancing telephone service, such as purchasing a telecommunications

equipment for the hearing-impaired (TTY) to serve persons with hearing

impairments (as an alternative to using TTY relay service); installing

FAX machines; and preparing or publishing counseling materials. If the

intermediary does not have an adequate computer system and was not

funded under the FY 1995 or FY 1996 NOFA, the Department will require

that the $5,000 capacity building portion of the grant be used to

purchase necessary equipment meeting HUD specifications. Title to

equipment acquired by a recipient with program funds shall vest in the

recipient, subject to the provisions of 24 CFR part 84, subpart E.

Intermediaries funded under the FY 1995 and/or FY 1996 NOFA may not

request additional capacity building funds in FY 1997.

HUD will give the selected nonprofit intermediaries wide discretion

to implement the housing counseling program with their affiliates. The

intermediary may decide how to allocate funding among its affiliates

and may determine funding levels at or below $100,000 for individual

affiliates with the understanding that a written record will be kept of

how this determination is made. This record shall be made available to

the agencies affiliated with the intermediary.

III. Checklist of Application Submission Requirements

A. General

Contents of an application will differ somewhat for local housing

counseling agencies and for national, regional, or multi-State

intermediaries; however, all applicants are expected to submit:

1. Standard Form 424, Application for Federal Assistance.

2. Standard Form 424B, Assurances--Non-construction Programs.

3. Drug-Free Workplace Requirements Certification.

4. Applicant/Recipient Disclosure/Update Report, Form HUD-2880.

5. Certification and Disclosure of Lobbying Activities, Standard

Form LLL, for National Intermediaries only, if applicable.

6. Certification Regarding Civil Rights.

7. Form HUD-9902, Housing Counseling Agency Fiscal Year Activity

Report for fiscal year October 1, 1995 through September 30, 1996.

Where an applicant did not participate in HUD's Housing Counseling

Program during FY 1996, this report should be completed to reflect the

agency's counseling workload during that period in any case. This form

must be fully completed and submitted by every applicant for FY 1997

HUD funding. HUD will reject any application that does not include this

form.

8. Computer Equipment Inventory (if applicable).

9. Budget Worksheet. A realistic, proposed budget for use of HUD

funds, if awarded. This should be broken down into two categories:

Direct counseling costs and capacity building costs. Note that the

budget submitted by a local agency may not exceed a total of $100,000,

including capacity building costs which may not exceed $4,000.

National, regional and multi-State organizations may submit a proposed

budget up to $1 million, including capacity building costs which may

not exceed $5,000.

10. Exhibits for National, regional, multi-State or local housing

counseling agencies (as described below in B1-B3 and in the application

kit).

11. Evidence of Housing Counseling Funding Sources (required by all

applicants).

12. Current Housing Counseling Plan.

13. A description of counseling activities to be performed.

14. A description of FHEO activities.

15. A description of organization capability.

16. Direct-labor and Hourly-labor rate and Counseling Time Per

Client.

17. Congressional District Information.

B. National, Regional, and Multi-State Intermediaries

National, regional, and multi-State intermediaries must submit an

application which covers both their network organization and their

affiliated agencies. This application must include:

1. Description of affiliated agencies. For each, list the following

information:

a. Organization name

b. Address

c. Director and contact person (if different)

d. Phone/FAX numbers (including TTY, if appropriate)

e. Federal tax identification number

f. ZIP code service areas

g. Number of staff providing counseling

h. Type of services offered (defined by renter assistance, outreach

initiatives, pre-purchase counseling, post-purchase counseling, and

mortgage default and delinquency counseling)

i. Number of Years of Housing Counseling Experience

2. Relationship with affiliates. Briefly describe the

intermediary's relationship with affiliates (i.e. membership

organization, field or branch offices, subsidiary organizations, etc.).

3. Oversight system. Describe the process that will be used for

determining affiliate funding levels, distributing funds, and

monitoring affiliate performance.

IV. Corrections to Deficient Applications

After the submission deadline, applicants may cure only non-

substantial, technical deficiencies that surface during HUD screening

of their application. Applicants will have a ``cure period'' to correct

such deficiencies that are not integral to HUD's review of the

application. Applicants have 14 calendar days from the date HUD

notifies them of any problem to submit the appropriate information to

HUD. Notification of a technical deficiency may be in writing or by

telephone. If the HUD notification is by telephone, a written

confirmation will be transmitted by HUD to the applicant. Where HUD

determines that an application as initially submitted is fundamentally

incomplete, or would require substantial revisions, it will not

consider the application further. Note: HUD will not inform applicants

regarding application deficiencies other than as described in this

section.

V. Other Matters

Environmental Impact

This NOFA does not direct, provide for assistance or loan and

mortgage

[[Page 23923]]

insurance for, or otherwise govern or regulate property acquisition,

disposition, lease, rehabilitation, alteration, demolition, or new

construction, or set out or provide for standards for construction or

construction materials, manufactured housing, or occupancy.

Accordingly, under 24 CFR 50.19(c)(1), this NOFA is categorically

excluded from environmental review under the National Environmental

Policy Act of 1969, as amended (42 U.S.C. 4321).

Federalism Impact

The General Counsel, as the Designated Official under section 6(a)

of Executive Order 12612, Federalism, has determined that this NOFA

does not have ``federalism implications'' because it does not have

substantial direct effects on the States (including their political

subdivisions), or on the distribution of power and responsibilities

among the various levels of government. This NOFA only affects

nonprofit or public organizations who seek funding for their housing

counseling activities.

Impact on the Family

The General Counsel, as the Designated Official under Executive

Order 12606, the Family, has determined that this NOFA has potential

significant impact on family formation, maintenance, and general well-

being only to the extent that the entities who qualify for

participation in HUD's housing counseling program under this notice

will provide families with the counseling and advice they need to avoid

rent delinquencies or mortgage defaults, and to develop competence and

responsibility in meeting their housing needs. Since the potential

impact on the family is considered beneficial, no further review under

the Order is necessary.

Accountability in the Provision of HUD Assistance

Section 102 of the Department of Housing and Urban Development

Reform Act of 1989 (HUD Reform Act) and the final rule codified at 24

CFR part 4, subpart A, published on April 1, 1996 (61 FR 1448), contain

a number of provisions that are designed to ensure greater

accountability and integrity in the provision of certain types of

assistance administered by HUD. On January 14, 1992, HUD published, at

57 FR 1942, a notice that also provides information on the

implementation of section 102. The documentation, public access, and

disclosure requirements of section 102 are applicable to assistance

awarded under this NOFA as follows:

Documentation and public access requirements. HUD will ensure that

documentation and other information regarding each application

submitted pursuant to this NOFA are sufficient to indicate the basis

upon which assistance was provided or denied. This material, including

any letters of support, will be made available for public inspection

for a five-year period beginning not less than 30 days after the award

of the assistance. Material will be made available in accordance with

the Freedom of Information Act (5 U.S.C. 552) and HUD's implementing

regulations at 24 CFR part 15. In addition, HUD will include the

recipients of assistance pursuant to this NOFA in its Federal Register

notice of all recipients of HUD assistance awarded on a competitive

basis.

Disclosures. HUD will make available to the public for five years

all applicant disclosure reports (HUD Form 2880) submitted in

connection with this NOFA. Update reports (also Form 2880) will be made

available along with the applicant disclosure reports, but in no case

for a period less than three years. All reports--both applicant

disclosures and updates--will be made available in accordance with the

Freedom of Information Act (5 U.S.C. 552) and HUD's implementing

regulations at 24 CFR part 15.

Prohibition Against Advance Information on Funding Decisions

HUD's regulation implementing section 103 of the HUD Reform Act,

codified as 24 CFR part 4, applies to the funding competition announced

today. The requirements of the rule continue to apply until the

announcement of the selection of successful applicants.

HUD employees involved in the review of applications and in the

making of funding decisions are restrained by part 4 from providing

advance information to any person (other than persons authorized to

receive such information) concerning funding decisions, or from

otherwise giving any applicant an unfair competitive advantage. Persons

who apply for assistance in this competition should confine their

inquiries to the subject areas permitted under 24 CFR part 4.

Applicants or employees who have ethics related questions should

contact the HUD Ethics Law Division (202) 708-3815 (voice), (202) 708-

1112 (TTY). (These are not toll-free numbers.) For HUD employees who

have specific program questions, the employee should contact the

appropriate Field Office Counsel or Headquarters Counsel for the

program to which the question pertains.

Prohibition Against Lobbying Activities

The use of funds awarded under this NOFA is subject to the

disclosure requirements and prohibitions of Section 319 of the

Department of Interior and Related Agencies Appropriations Act for

Fiscal Year 1990 (31 U.S.C. 1352) and the HUD implementing regulations

at 24 CFR Part 87. These authorities prohibit recipients of federal

contracts, grants or loans from using appropriated funds for lobbying

the Executive or Legislative Branches of the Federal Government in

connection with a specific contract, grant or loan. The prohibition

also covers the awarding of contracts, grants, cooperative agreements

or loans unless the recipient has made an acceptable certification

regarding lobbying. Under 24 CFR Part 87, applicants, recipients and

subrecipients of assistance exceeding $100,000 must certify that no

federal funds have been or will be spent on lobbying activities in

connection with the assistance. Required Reporting. A certification is

required at the time application for funds is made that Federally

appropriated funds are not being or have not been used in violation of

section 319 and the disclosure will be made of payments for lobbying

with other than federally appropriated funds. The standard disclosure

form, SF-LLL, ``Disclosure Form to Report Lobbying'', and the

certification form must be use to disclose lobbying with other than

Federally appropriated funds at the time of the application.

Catalog of Federal Domestic Assistance

The Catalog of Federal Domestic Assistance Program number is

14.169.

Dated: April 23, 1997.

Stephanie A. Smith,

General Deputy, Assistant Secretary for Housing-Federal Housing

Commissioner.

Appendix A--HUD Offices

Note: The title of all those listed is: Director, Single Family

Division, U.S. Department of Housing and Urban Development.

Telephone numbers are not toll-free.

HUD--New England Area

Connecticut State Office

Mr. Gary T. Le Vine, First Floor, 330 Main Street, Hartford, CT

06106-1860, (203) 240-4569

Massachusetts State Office

Mr. Edward T. Bernard, Room 375, Thomas P. O'Neill, Jr. Federal

Building, 10 Causeway Street, Boston, MA 02222-1092, (617) 565-5335

New Hampshire State Office

Mr. Loren Cole, Norris Cotton Federal Building, 275 Chestnut Street,

Manchester, NH 03101-2487, (603) 666-7755

[[Page 23924]]

Rhode Island State Office

Mr. Michael Dziok, Sixth Floor, 10 Weybosset Street, Providence, RI

02903-2808, (401) 528-5365

HUD--New York, New Jersey Area

New Jersey State Office

Ms. Theresa Arce, Thirteenth Floor, One Newark Center, Newark, NJ

07102-5260, (201) 622-7900 X3500

New York State Office

Mr. Juan Baustista, 26 Federal Plaza, New York, NY 10278-0068, (212)

264-0777 X3746

Albany Area Office

Mr. Robert S. Scofield, Jr., 52 Corporate Circle, Albany, NY 12203-

5121, (518) 464-4200 EXT. 4204

Buffalo Area Office

Mr. Glenn Ruggles, Lafayette Court, 465 Main Street, Buffalo, NY

14203-1780, (716) 846-5752

Camden Area Office

Mr. Philip Caulfield, Second Floor, Hudson Building, 800 Hudson

Square, Camden, NJ 08102-1156, (609) 757-5083

HUD--Midatlantic Area

District of Columbia Office

Ms. Carole Catineau, 820 First Street, NE, Washington, D.C. 20002-

4502, (202) 275-7543 X3055

Maryland State Office

Ms. Candace Simms, Fifth Floor, City Crescent Building, 10 South

Howard Street, Baltimore, MD 21201-2505, (410) 962-2520 X3094

Pennsylvania State Office

Mr. Mike Perretta, The Wanamaker Building, 100 Penn Square East,

Philadelphia, PA 19107-3380, (215) 656-0507

Virginia State Office

Ms. Rheba G. Gwaltney, The 3600 Centre, 3600 West Broad Street, P.O.

Box 90331, Richmond, VA 23230--0331, (804) 278-4506 X3003

West Virginia State Office

Mr. Peter Minter, Suite 708, 405 Capitol Street, Charleston, WV

25301-1795, (304) 347-7064 X 7000

Pittsburgh Area Office

Mr. Al Curotola, 339 Sixth Ave., Sixth Floor, Pittsburgh, PA 15222-

2515, (412) 644-2737

HUD--Southeast/Caribbean Area

Alabama State Office

Ms. Martha Andrus, Suite 300, Beacon Ridge Tower, 600 Beacon

Parkway, West, Birmingham, AL 35209-3144, (205) 290-7360 X1027

Caribbean Office

Ms. Margarita Delgado, New San Juan Office Building, 159 Carlos

Chardon Avenue, San Juan, PR 00918-1804, (787) 766-5256

Georgia State Office

Ms. Janice Cooper, Richard B. Russell Federal Building, 75 Spring

Street, S.W., Atlanta, GA 30303-3388, (404) 331-4801 X2145

Kentucky State Office

Mr. David A. Powell, 601 West Broadway, P.O. Box 1044, Louisville,

KY 40201-1044, (502) 582-6163 X610

Mississippi State Office

Mr. Jerry F. Perkins, Suite 910, Doctor A.H. McCoy Federal Building,

100 West Capitol Street, Jackson, MS 39269-1016, (601) 965-4930

North Carolina State Office

Mr. Robert Dennis, Koger Building, 2306 West Meadowview Road,

Greensboro, NC 27407-3707, (910) 547-4053 X4121

South Carolina State Office

Mr. David L. Ball, Strom Thurmond Federal Building, 1835 Assembly

Street, Columbia, SC 29201-2480, (803) 253-3208

Coral Gables Area Office

Ms. Sara D. Warren, Gables 1 Tower, 1320 South Dixie Highway, Coral

Gables, FL 33146-2911, (305) 662-4526

Jacksonville Area Office

Ms. Ann Whaley, Suite 2200, Southern Bell Tower, 301 West Bay

Street, Jacksonville, FL 32202-5121, (904) 232-3627

Knoxville Area Office

Mr. William Pavelchik, Third Floor, John J. Duncan Federal Building,

710 Locust Street, Knoxville, TN 37902-2526, (423) 545-4377

Memphis Area Office

Mr. Benjamin Davis, Suite 1200, One Memphis, Place, 200 Jefferson

Avenue, Memphis, TN 38103-2335, (901) 544-3367

Tennessee State Office

Mr. Ed M. Phillips, Suite 200, 251 Cumberland Bend Drive, Nashville,

TN 37228-1803, (615) 736-5365

Orlando Area Office

Mr. Robert K. Osterman, Suite 270, Langley Building, 3751 Maguire

Boulevard, Orlando, FL 32803-3032, (407) 648-6441

Tampa Area Office

Ms. Nikki A. Spitzer, Suite 700, Timberlake Federal Building Annex,

501 East Polk Street, Tampa, FL 33602-3945, (813) 228-2504

HUD--Midwest Area

Illinois State Office

Ms. Debra F. Robinson, Ralph H. Metcalfe Federal Building, 77 West

Jackson Boulevard, Chicago, IL 60604-3507, (312) 353-6236 X2204

Indiana State Office

Mr. William Fattic, 151 North Delaware Street, Indianapolis, IN

46204-2526, (317) 226-7034

Michigan State Office

Mr. John Frelich, Patrick V. McNamara Federal Building, 477 Michigan

Avenue, Detroit, MI 48226-2592, (313) 226-4899

Minnesota State Office

Mr. John E. Buenger, 220 Second Street, South, Minneapolis, MN

55401-2195, (612) 370-3053

Ohio State Office

Mr. Verlon Shannon, 200 North High Street, Columbus, OH 43215-2499,

(614) 469-5536

Wisconsin State Office

Mr. Joe Bates, Suite 1380, Henry S. Reuss Federal Plaza, 310 West

Wisconsin Avenue, Milwaukee, WI 53203-2289, (414) 297-3156

Cincinnati Area Office

Ms. Louistine Tuck, 525 Vine St Suite 700, Cincinnati, OH 45202-

3253, (513) 684-2833

Cleveland Area Office

Mr. Kendel King, Fifth Floor, Renaissance Building, 1350 Euclid

Avenue, Cleveland, OH 44115-1815, (216) 522-2784

Flint Area Office

Mr. John Frelich, Room 200, 605 North Saginaw Street, Flint, MI

48502-1953, (810) 766-5107

Grand Rapids Area Office

Ms. Shirley Bryant, 50 Louis St, N.W., Grand Rapids, MI 49503-2648,

(616) 456-2146

HUD--Southwest Area

Arkansas State Office

Ms. Susan E. Finister, Suite 900, TCBY Tower, 425 West Capitol

Avenue, Little Rock, AR 72201-3488, (501) 324-5961

Louisiana State Office

Mr. Byron D. Duplantier, 9th Floor, Hale Boggs Federal Building, 501

Magazine St., New Orleans, LA 70130-3099, (504) 589-6570

New Mexico State Office

Ms. Carol G. Johnson, 625 Truman Street, NE, Albuquerque, NM 87110-

6443, (505) 262-6269 X238

Texas State Office

Mr. Louis Ybarra, 1600 Throckmorton Street, P.O. Box 2905, Fort

Worth, TX 76113-2905, (817) 885-6259 X3001

Houston Area Office

Mr. Henry Hadnot, Suite 200, Norfolk Tower 2211 Norfolk, Houston, TX

77098-4096, (713) 313-2274 EXT. 7019

Lubbock Area Office

Mr. Miguel Rincon, Federal Office Building 1205 Texas Avenue,

Lubbock, TX 79401-4093, (806) 743-7291

Oklahoma State Office

Mr. Ken Beck, 500 West Main St., Suite 400, Oklahoma City, OK 73102-

2233, (405) 553-7444

San Antonio Area Office

Mr. Antonio C. Cabral, Washington Square, 800 Dolorosa Street, San

Antonio, TX 78207-4563, (210) 472-6898

Shreveport Area Office

Ms. Martha Sakre, Suite 1510, 401 Edwards Street, Shreveport, LA

71101-3107, (318) 676-3440

[[Page 23925]]

Tulsa Area Office

Mr. Ken Beck, 50 East 15th Street, Suite 110, Tulsa, OK 74119-4032,

(918) 581-7168 X3027

HUD--Great Plains

Iowa State Office

Mr. Patrick Liao, Room 239, Federal Building, 210 Walnut Street, Des

Moines, IA 50309-2155, (515) 284-4435

Kansas/Missouri State Office

Mr. Deryl Sellmeyer, Room 200, Gateway Tower II, 400 State Avenue,

Kansas City, KS 66101-2406, (913) 551-6820

Nebraska State Office

Ms. Nancy Sheets, Executive Tower Centre, 10909 Mill Valley Road,

Omaha, NE 68154-3955, (402) 492-3135

Saint Louis Area Field Office

Mr. Dennis Martin, Third Floor, Robert A. Young Federal Building

1222 Spruce Street, St. Louis, MO 63103-2836, (314) 539-6388

HUD--Rocky Mountains Area

Colorado State Office

Mr. Ron Bailey (Acting), First Interstate Tower North, 633 17th

Street, Denver, CO 80202-3607, (303) 672-5343

Montana State Office

Mr. Gerard Boone, Room 340, Federal Office Building, Drawer 10095,

301 S. Park, Helena, MT 59626-0095, (406) 441-1300

Utah State Office

Mr. Richard P. Bell, Suite 550, 257 Tower, 257 East, 200 South, Salt

Lake City, UT 84111-2048, (801) 524-5237

HUD--Pacific/Hawaii Area

Arizona State Office

Ms. Bernice Campbell, Suite 1600, Two Arizona Center, 400 North 5th

Street, Phoenix, AZ 85004-2361, (602) 379-6704

California State Office

Mr. James McClanahan, Philip Burton Federal Building and U.S.

Courthouse 450 Golden Gate Avenue, P.O. Box 36003, San Francisco, CA

94102-3448, (415) 436-6518

Hawaii State Office

Ms. Jill B. Hurt, 7 Waterfront Plaza (Suite 500), 500 Ala Moana

Boulevard, Honolulu, HI 96813-4918, (808) 522-8190 X251

Nevada State Office and Reno

Ms. Sharon Atwell, Suite 700, Atrium Building, 333 No. Rancho Drive,

Las Vegas, NV 89106-3714, (702) 388-6500 X1802

Fresno Area Office

Ms. Yvielle Edwards-Lee, Suite 138, 1630 E. Shaw Avenue, Fresno, CA

93710-8193, (209) 487-5032

Los Angeles Area Office

Mr. Malcolm Findley, 1615 West Olympic Boulevard, Los Angeles, CA

90015-3801, (213) 251-7220

Reno Area Office--see Nevada

Sacramento Area Office

Mr. Ron M. Johnson, Suite 200, 777 12th Avenue, Sacramento, CA

95814-1997, (916) 498-5220 X282

San Diego Area Office

Mr. Danny E. Mendez, Mission City Corporate Center, 2365 Northside

Drive (Suite 300), San Diego, CA 92108-2712, (619) 557-2610 X227

Santa Ana Area Office

Mr. David A. Westerfield, Suite 500, 3 Hutton Centre, Santa Ana, CA

92707-5764, (714) 957-3745

Tucson Area Office

Ms. Bernice Campbell, Suite 700, Security Pacific Bank Plaza, 33

North Stone Avenue, Tucson, AZ 85701-1467, (520) 670-6000

HUD--Northwest/Alaska Area

Alaska State Office

Mr. Paul O. Johnson, Suite 401, University Plaza Building, 949 East

36th Avenue, Anchorage, AK 99508-4399, (907) 271-4610

Idaho State Office

Mr. Gary L. Gillespie, Suite 220, Plaza IV, 800 Park Boulevard,

Boise, ID 83712-7743, (208) 334-1991

Oregon State Office

Ms. Pamela D. West, 400 S.W. Sixth Ave., Suite 700, Portland, OR

97204, (503) 326-2684

Washington State Office

Mr. David L. Rodgers, Suite 200, Seattle Federal Office Building,

909 First Avenue, Seattle, WA 98104-1000, (206) 220-5200 X3252

[FR Doc. 97-11273 Filed 4-30-97; 8:45 am]

BILLING CODE 4210-27-P