BRIDGEPORT NEIGHBORHOOD TRUST

Providing a ladder from homelessness to homeownership Founded in 1986, Building Neighborhoods Together’s (BNT) mission is to end housing insecurity, income inequality and homelessness by creating safe, affordable housing, and providing comprehensive housing and financial counseling services to low- and moderate-income families across Connecticut.

CAPITAL FOR CHANGE, INC. (HOUSING COUNSELING OFFICE)

COMMUNITY RENEWAL TEAM, INC.

CHANGING LIVES BY CREATING OPPORTUNITIES As the designated community action agency for both Hartford and Middlesex Counties, the Community Renewal Team (CRT) is dedicated to helping people take steps toward healthy and economically stable futures. Since 1963, our 501(c)3 nonprofit organization has partnered with local elected officials, providers, funders, businesses and the community to address challenges like hunger, homelessness, unemployment and poverty. Together, we increase access to education, affordable housing, mental health services and much more for thousands of individuals and families throughout Central Connecticut each and every year.

HOUSING DEVELOPMENT FUND, INC

HDF’s mission is to facilitate the development of affordable rental and homeownership opportunities. HDF accomplishes this mission through assisting households in becoming and remaining owners of affordable homes, and through financing affordable rental opportunities for low and moderate income households. With help from HDF, first time homebuyers become homeowners through free counseling and unique lending products, developers build affordable housing units with competitive financing, and homeowners are encouraged and supported through innovative programs. Public and private investment through HDF is making sustainable homeownership a reality, one #HDFHome at a time. HDF leverages private investment to make public subsidy dollars work harder to create affordable housing, offering lenders the opportunity to invest in the sustainable ownership of our communities. We work with state and local governments to develop innovative housing solutions and to identify qualified homebuyers for affordable housing and homebuyer assistance programs. HDF is a HUD-Certified counseling and lending agency. We are certified by the US Treasury Department as a Community Development Financial Institution (CDFI), a Chartered Member of NeighborWorks America, a CARS rated agency (AA +2), and a member of the Opportunity Finance Network and the Housing Partnership Network. HDF is an equal opportunity lender.

HOUSING DEVELOPMENT FUND, INC - BRIDGEPORT BRANCH

HDF’s mission is to facilitate the development of affordable rental and homeownership opportunities. HDF accomplishes this mission through assisting households in becoming and remaining owners of affordable homes, and through financing affordable rental opportunities for low and moderate income households. With help from HDF, first time homebuyers become homeowners through free counseling and unique lending products, developers build affordable housing units with competitive financing, and homeowners are encouraged and supported through innovative programs. Public and private investment through HDF is making sustainable homeownership a reality, one #HDFHome at a time. HDF leverages private investment to make public subsidy dollars work harder to create affordable housing, offering lenders the opportunity to invest in the sustainable ownership of our communities. We work with state and local governments to develop innovative housing solutions and to identify qualified homebuyers for affordable housing and homebuyer assistance programs. HDF is a HUD-Certified counseling and lending agency. We are certified by the US Treasury Department as a Community Development Financial Institution (CDFI), a Chartered Member of NeighborWorks America, a CARS rated agency (AA +2), and a member of the Opportunity Finance Network and the Housing Partnership Network. HDF is an equal opportunity lender.

MONEY MANAGEMENT INTERNATIONAL - EAST BERLIN

CHANGING HOW AMERICA OVERCOMES FINANCIAL CHALLENGES; ONE PERSON, ONE EXPERIENCE, ONE SOLUTION AT A TIME. The story of Money Management International is the story of people helping people. For as long as MMI and our predecessors have been around, our purpose has been leading folks in all walks of life through financial and economic challenges, and bringing them to a safer, more comfortable place. As a nonprofit, we strive to deliver this aid without bias, without restriction, and without judgment. We exist to serve the families and individuals who need us. Their prosperity is our success. As educators, we strive to go beyond simple fixes and provide our clients with the skills and understanding necessary to overcome today’s challenge and avoid tomorrow’s setbacks. We aim to create consumers that can solve their own problems, but never hesitate to reach out for help when their burdens are too great to bear alone. At MMI, we: Empower individuals to find goals that matter to them, take action to reach those goals, and overcome any and all obstacles that stand in their way. Stabilize households in distress by providing direct, immediate assistance and long-term guidance, with the goal of creating ongoing financial wellness. Strengthen communities by helping consumers recover from major setbacks, including potential eviction or foreclosure, reducing community-wide ripple effects. Respond to emerging issues with new programs and services developed by experts and delivered to consumers where they need it most. Support fresh starts by enabling families to put difficult challenges behind themselves, while better preparing for the road ahead. Provide senior-oriented solutions in order to help seniors approaching and in retirement make the most of their available funds. Assist underserved communities through specialized programs for at-risk populations, including veterans and immigrants. Though we offer numerous programs and serve a wide variety of consumers, all of our services and outreach efforts are inspired by our commitment to the following six principles: Innovation We blend technology, skill, and teamwork to serve individuals and communities with efficiency, speed, and accuracy. Collaboration We work closely with industry and community partners to develop programs that address today’s most pressing consumer issues. Responsiveness We align our solutions to client goals, needs, and capacity, to provide consumers with the help they need, when and where they want it. Empathy We recognize the stress and anxiety that comes with financial challenges and we strive to fill every client encounter with warmth and empathy. Advocacy We engage in public policy debates and the development of effective consumer protections in an effort to create a safe and level playing field for all consumers. Confidentiality We meet and exceed required security parameters while treating clients and their personal data with unconditional dignity. Our mission is not simply to provide solutions to financial problems. We want to help navigate you through the challenges that are and the ones that may someday be; we want to help expand your goals and strive forward toward those goals with confidence and grace; we want you to believe in your ability to live a peaceful, financially stable life.

MUTUAL HOUSING ASSOCIATION OF GREATER HARTFORD, INC.

Mutual Housing Association of Greater Hartford, Inc. creates communities of opportunity by developing and managing high-quality affordable housing, while engaging residents in educational and leadership opportunities. The Mutual Housing Association of Greater Hartford, Inc. (MHAGH) was founded in 1988, when NeighborWorks® America brought together representatives of Hartford's corporate, resident, and public sectors to address the lack of permanently affordable housing in the region. At the time, the city of Hartford had very few vacant apartments and many families were being displaced from their homes due to large-scale conversions to condominiums. For over three decades, MHAGH has developed new housing opportunities and preserved hundreds of existing affordable apartments. Today, MHAGH provides housing for almost five hundred households in six towns in Greater Hartford. MHAGH has evolved over the years and expanded its business lines beyond real estate development. MHAGH is a real estate developer, property manager, housing educator, and community leader. This organization has gone beyond the bricks and mortar and provides its residents with unique opportunities to achieve self-sufficiency and develop personal goals. MHAGH continually adapts to the needs of its residents and community while staying focused on its mission.

MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CT, INC. DBA NEIGHBORWORKS NEW HORIZONS

Our Mission To strengthen neighborhoods by developing quality, affordable homes and supporting community building initiatives. Our History NeighborWorks® New Horizons strengthens neighborhoods by developing quality affordable homes and supporting community building initiatives in New Haven, Fairfield, Southern Hartford and New London Counties. Founded in 1992, NeighborWorks® New Horizons has developed and manages 650+ housing units of affordable rental properties and 12 commercial units where residents have a leadership role. NeighborWorks® New Horizons has a staff of 32+ under the leadership of Executive Director, Tom Cruess and a nine member Board of Directors, led by Board President Tanya Segel. Our Board Members are drawing from the following five sectors: • RESIDENT Membership • CORPORATE Membership • GOVERNMENT Membership • NON-PROFIT Membership • COMMUNITY Membership

NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) HARTFORD CT

The Neighborhood Assistance Corporation of America (“NACA”) is a non-profit, community advocacy and homeownership organization. NACA’s primary goal is to build strong, healthy neighborhoods in urban and rural areas nationwide through affordable homeownership. NACA has made the dream of homeownership a reality for thousands of working people by counseling them honestly and effectively, enabling even those with poor credit to purchase a home or modify their predatory loan with far better terms than those provided even in the prime market. Investing in working people The NACA homeownership program is our answer to the huge subprime and predatory lending industry. NACA has conclusively shown that when working people get the benefit of a prime rate loan, they can resolve their financial problems, make their mortgage payments and become prime borrowers. NACA’s track record of helping people who have credit problems become homeowners or modify their predatory loan debunks the myth that high rates and fees are necessary to compensate for their “credit risk.” Started in 1988, NACA has a tremendous track record of successful advocacy against predatory and discriminatory lenders as well as providing the best mortgage program in America with $10 billion in funding commitments. NACA is the largest housing services organization in the country and is rapidly expanding by growing its existing 30+ offices, headquartered in Boston, MA, opening many new offices nationwide, and expanding the services it offers its membership. NACA’s confrontational community organizing and unprecedented mortgage program have set the national standard for assisting low- and moderate-income people to achieve the dream of homeownership.

NEIGHBORHOOD HOUSING SERVICES OF NEW BRITAIN, INC.

NHSNB’s mission is to create neighborhoods of choice in Greater New Britain through a comprehensive community development strategy that creates a range of quality housing options and addresses other interconnected needs related to safe homes and livable communities.