"The concept behind The Home Ownership Resource Center (HORC) is to provide '""one-stop"" shopping for a broad array of housing information and services available in one location. Through a one-on-one consultation process, the information is tailored to the individual circumstances of the family and the property. This generates problem solving that is personal and practical. The information AND the applications for the myriad of mortgage and home improvement programs are consolidated in one place. Residents can find assistance in preventing mortgage foreclosure, refinancing of mortgages and the necessary steps to become a homeowner."