As a HUD approved non-profit Housing Counseling Agency, HANDS offers counseling services in group or One-on-One sessions which cover: Pre-purchase, Post-Purchase, Budget/Credit analysis, Foreclosure or Default counseling, Home Equity Reverse Mortgage Counseling and Rental/Landlord Tenant Counseling. Our "First time Home Buyer" Education Seminars cover the home buying process from beginning to end including down payment assistance resources. HANDS is also an Affiliate agency of HomeFree USA. As a Community Housing Development Agency (Federally Approved Housing Developer) HANDS develops affordable single and multi-family housing units. HANDS owns over 880 affordable rent units in three counties.