The Kestner Team

Are you in financial trouble?  Are you at risk of losing your home to foreclosure?  You don't have to face it alone.  Below is a list of HUD approved counselors in the State of Tennessee.  They can help you find the best path to get you through any current financial hardships.

Agency Name: FAMILY SERVICE AGENCY - CCCS Phone: 901-383-2193 Toll Free: 800-255-2227 Fax: 901-377-9282 Email: Address: 2855 Stage Village Cove Bartlett, Tennessee 38134 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: FAMILY SERVICE AGENCY - CCCS Website:

Agency Name: 28TH LEGISLATIVE DISTRICT COMMUNITY DEVELOPMENT CORPORATION Phone: 423-698-8190 Toll Free: Fax: 423-698-8191 Email: twoeight@bellsouth.net Address: 815 N. Hickory Street Chattanooga, Tennessee 37404 Counseling Services: - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Predatory Lending Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.cdc28th.org

Agency Name: CATHOLIC CHARITIES OF EAST TENNESSEE Phone: 423-267-1297 Toll Free: Fax: 423-265-4923 Email: christine@ccetn.org Address: 859 McCallie Avenue Chattanooga, Tennessee 37403 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: CATHOLIC CHARITIES USA Website:

Agency Name: CHATTANOOGA NEIGHBORHOOD ENTERPRISE, INC. Phone: 423-756-6207 Toll Free: Fax: 423-756-3851 Email: mturner@cneinc.org Address: 1301 Market Street #100 Chattanooga, Tennessee 37402 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: Website: http://www.cneinc.org

Agency Name: DEPARTMENT OF HUMAN SERVICES CITY OF CHATTANOOGA Phone: 423-757-5551 Toll Free: Fax: 423-757-5294 Email: pruitt_tom@mail.chattanooga.gov Address: 501 W. 12th Street Chattanooga, Tennessee 37402-3852 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English - Spanish Affiliation: Website: http://www.chattanooga.gov

Agency Name: PARTNERSHIP FOR FAMILIES, CHILDREN AND ADULTS/CCCS OF CHATTANOOGA Phone: 423-490-5620 Toll Free: 800-459-2227 Fax: 423-490-5624 Email: tjohnson@partnershipfca.com Address: 2221A Olan Mills Drive Chattanooga, Tennessee 37421 Counseling Services: - Home Equity Conversion Mortgage Counseling - Loss Mitigation - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: Website:

Agency Name: CLEARPOINT FINANCIAL SOLUTIONS, INC. Phone: 877-877-1995 Toll Free: 877-877-1995 Fax: Email: customerservice2@clearpointfs.org Address: 1685 Ft. Campbell Blvd., Suite D Clarksville, Tennessee 37042-3515 Counseling Services: - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling Languages: - English Affiliation: CLEARPOINT FINANCIAL SOLUTIONS, INC. Website: www.clearpointcreditcounselingsolutions.org

Agency Name: GAP COMMUNITY DEVELOPMENT RESOURCES, INC. Phone: 615-591-4345 Toll Free: Fax: 615-591-4398 Email: teresaburns3@aol.com Address: 129 West Fowlkes Street Suite 137 Franklin, Tennessee 37064 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: Website: http://www.gapcdr.org

Agency Name: WEST TENNESSEE LEGAL SERVICES, INC. Phone: 731-426-1307 Toll Free: 800-372-8346 Fax: 731-423-2600 Email: emma@wtls.org Address: 210 West Main Street Jackson, Tennessee 38301 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: WEST TENNESSEE LEGAL SERVICES, INCORPORATED Website: www.wtls.org

Agency Name: CCCS OF GREATER ATLANTA - JOHNSON CITY BRANCH Phone: 800-251-2227 Toll Free: 800-251-2227 Fax: 404-260-3340 Email: info@cccsinc.org Address: 2113 N Roan Street Suite 706 Johnson City, Tennessee 37604 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: CCCS OF SOUTHWESTERN VA/AMERICAN CREDIT COUNSELORS, A DIVISION OF MMI Phone: 888-845-5669 Toll Free: Fax: 713-592-0298 Email: virginia.garretson@moneymanagement.org Address: 1999 E. Stone Dr., Ste. 102 Kingsport, Tennessee 37660 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Renters Assistance Languages: - English Affiliation: MONEY MANAGEMENT INTERNATIONAL INC. Website: http://www.moneymanagement.org

Agency Name: CCCS OF GREATER ATLANTA - KNOXVILLE BRANCH Phone: 800-251-2227 Toll Free: 800-251-2227 Fax: 404-260-3340 Email: info@cccsinc.org Address: 521 Callahan Road Suite 101 Knoxville, Tennessee 37912 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: KNOX HOUSING PARTNERSHIP, INCORPORATED Phone: 865-637-1679-223 Toll Free: Fax: 865-637-9713 Email: yhall@khp.org Address: 109 N. Winona Street Knoxville, Tennessee 37917 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English Affiliation: Website: http://www.khp.org

Agency Name: KNOXVILLE AREA URBAN LEAGUE Phone: 865-524-5511-120 Toll Free: Fax: 865-525-5154 Email: akyle@thekaul.org Address: 1514 E. Fifth Avenue PO Box 1911 Knoxville, Tennessee 37917 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: Website: http://www.thekaul.org

Agency Name: LEGAL AID OF EAST TENNESSEE Phone: 865-637-0484 Toll Free: 800-821-1312 Fax: 865-252-1162 Email: dhouse@laet.org Address: 502 South Gay Street Suite 404 Knoxville, Tennessee 37902-0000 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - Spanish Affiliation: Website: http://www.laet.org

Agency Name: LIFE OF VICTORY IINTERATIONAL CHRISTIAN MINISTRIES Phone: 615-213-1468 Toll Free: Fax: Email: lifeofvictory@aol.con Address: 253A Old Nashville Highway La - Vergne, Tennessee 37086 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: HOMEFREE - U S A Website: lifeofvictory@aol.con

Agency Name: CCCS OF GREATER ATLANTA - MARYVILLE BRANCH Phone: 800-251-2227 Toll Free: 800-251-2227 Fax: 404-260-3340 Email: info@cccsinc.org Address: 523 Lamar Alexander Ave Suites 1, 8 & 9 Maryville, Tennessee 37801 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: BINGHAMPTON DEVELOPMENT CORPORATION Phone: 901-826-6195 Toll Free: Fax: 901-339-7464 Email: ruth@bdcmemphis.org Address: 3000 Walnut Grove Road Memphis, Tennessee 38111 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Affiliation: Website: www.bdcmemphis.org

Agency Name: CD COUNCIL Phone: 901-725-3125 Toll Free: Fax: 901-729-2933 Email: beverly@memphiscommunitydevelopment.com Address: 1548 Poplar Avenue Memphis, Tennessee 38104 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Postpurchase Counseling - Predatory Lending - Renters Assistance Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.memphiscommunitydevelopment.com

Agency Name: CLEARPOINT FINANCIAL SOLUTIONS, INC. Phone: 877-877-1995 Toll Free: 877-877-1995 Fax: Email: customerservice2@clearpointfs.org Address: 5050 Poplar Ave., Suite1101 White Station Towers Memphis, Tennessee 38157 Counseling Services: - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling Languages: - English Affiliation: CLEARPOINT FINANCIAL SOLUTIONS, INC. Website: www.clearpointcreditcounselingsolutions.org

Agency Name: FAMILY SERVICE AGENCY - CCCS Phone: 901-323-4909 Toll Free: 800-255-2227 Fax: 501-812-4309 Email: Address: 2400 Popular Avenue Suite 445 Memphis, Tennessee 38112 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling Languages: - English Only Affiliation: FAMILY SERVICE AGENCY - CCCS Website:

Agency Name: FINANCIAL COUNSELORS OF AMERICA Phone: 901-722-5000 Toll Free: Fax: 901-405-9000 Email: Jason@financialcounselors.org Address: 3294 Poplar Ave. Suite 304 Memphis, Tennessee 38111 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling Languages: - English - Others - Spanish - Vietnamese Affiliation: Website: http://www.financialcounselors.org

Agency Name: FRAYSER COMMUNITY DEVELOPMENT CORPORATION Phone: 901-354-7178 Toll Free: Fax: 901-354-9405 Email: cj_fraysercorp@bellsouth.net Address: 3684 N. Watkins Memphis, Tennessee 38127 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: Website: http://www.fraysercdc.org

Agency Name: MEMPHIS AREA LEGAL SERVICES, INC. Phone: 901-432-4663 Toll Free: 000-000-0000 Fax: 901-529-8706 Email: sraj@malsi.org Address: 109 North Main Second Floor Memphis, Tennessee 38103 Counseling Services: - Fair Housing Assistance - Loss Mitigation - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - Hindi - Spanish Affiliation: Website: http://www.malsi.org

Agency Name: MEMPHIS CONSUMER CREDIT EDUCATION ASSOCIATION Phone: 901-321-6711 Toll Free: Fax: 901-321-6789 Email: abramlitt@mccea.net Address: 1661 Aaron Brenner Memphis, Tennessee 38120 Counseling Services: - Homebuyer Education Programs - Prepurchase Counseling Languages: - English Affiliation: Website: www.mccea.net

Agency Name: MEMPHIS HOUSING RESOURCE CENTER Phone: 901-529-1151 Toll Free: Fax: 901-529-8011 Email: mehousingc@aol.com Address: 2400 Poplar Avenue Suite 220 Memphis, Tennessee 38112 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.mhrc.info

Agency Name: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) MEMPHIS, TN Phone: 901-348-0115 Toll Free: 888-297-5568 Fax: Email: rhenderson@naca.com Address: Directors Plaza II / Building B 3035 Directors Row, Suite 1201-2 Memphis, Tennessee 38131 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) Website: http://www.naca.com

Agency Name: NEIGHBORHOOD HOUSING OPPORTUNITIES Phone: 901-729-2934 Toll Free: Fax: 901-729-2933 Email: yvonne@mlfonline.org Address: 1548 Poplar Avenue Memphis, Tennessee 38104 Counseling Services: - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Affiliation: Website:

Agency Name: NID-HCA TATE Phone: 901-507-1638 Toll Free: Fax: 901-458-9325 Email: nidmemphis@aol.com Address: 3115 Park Avenue Memphis, Tennessee 38111 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC Website: http://www.nidonline.org

Agency Name: ORANGE MOUND COMMUNITY DEVELOPMENT CORP. Phone: 901-327-4205 Toll Free: Fax: 901-324-6245 Email: mesaine@yahoo.com Address: 2395 Park Avenue Memphis, Tennessee 38114 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website:

Agency Name: SOUTHEAST MEMPHIS CDC Phone: 901-273-2870 Toll Free: Fax: 901-273-2871 Email: mhudson0212@yahoo.com Address: 3150 Lenox Park Blvd Suite 420 Memphis, Tennessee 38115 Counseling Services: - Homebuyer Education Programs - Mortgage Delinquency and Default Resolution Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.southeastmemphis.org

Agency Name: THE WORKS, INCORPORATED Phone: 901-946-9675 Toll Free: Fax: 901-946-6749 Email: curtis.thomas@theworkscdc.org Address: 1471 Genesis Circle Memphis, Tennessee 38106 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: Website: http://theworkscdc.org

Agency Name: UNITED HOUSING, INC. Phone: 901-272-1122 Toll Free: Fax: 901-272-1181 Email: tbolding@uhinc.org Address: 51 N. Cooper Street Memphis, Tennessee 38104 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: NEIGHBORHOOD REINVESTMENT CORPORATION Website: http://www.uhinc.org

Agency Name: CCCS OF THE MIDWEST Phone: 800-355-2227 Toll Free: 800-355-2227 Fax: 614-552-2222 Email: info@cccservices.com Address: 201 East Main St, Ste 100 Murfreesboro, Tennessee 37130 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling Languages: - English Only Affiliation: CCCS OF THE MIDWEST Website: http://www.cccservices.com

Agency Name: AFFORDABLE HOUSING RESOURCES OF NASHVILLE, INC Phone: 615-251-0025-234 Toll Free: 877-559-3377 Fax: 615-251-0143 Email: bholland@ahrhousing.org Address: 1011 Cherry Ave Nashville, Tennessee 37203 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - Spanish Affiliation: NEIGHBORHOOD REINVESTMENT CORPORATION Website: http://www.ahrhousing.org

Agency Name: CCCS OF THE MIDWEST Phone: 800-355-2227 Toll Free: 800-355-2227 Fax: 614-552-4800 Email: info@cccservices.com Address: 1101 Kermit Drive Suite 204 Nashville, Tennessee 37130 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling Languages: - English Only Affiliation: CCCS OF THE MIDWEST Website: http://www.cccservices.com/home.asp

Agency Name: CCCS OF THE MIDWEST Phone: 800-355-2227 Toll Free: 800-355-2227 Fax: 614-552-4800 Email: info@cccservices.com Address: 4525 Harding Rd Suite 211 Nashville, Tennessee 37205 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling Languages: - English Only Affiliation: CCCS OF THE MIDWEST Website: http://www.cccservices.com

Agency Name: CITIZENS FOR AFFORDABLE HOUSING INC Phone: 615-361-9101 Toll Free: Fax: 615-361-9104 Email: cfahi@bellsouth.net Address: 295 Plus Park Blvd., Suite 105 Terrace I Nashville, Tennessee 37217 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: Website: http://www.cfahi.com

Agency Name: CONEXION AMERICAS Phone: 615-320-5152-22 Toll Free: Fax: 615-320-9845 Email: tara@conamericas.com Address: 800 18th Avenue South, Suite A Nashville, Tennessee 37203 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: NATIONAL COUNCIL OF LA RAZA Website: www.conamericas.org

Agency Name: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) NASHVILLE, TN Phone: 615-783-1696 Toll Free: 888-297-5568 Fax: Email: monicawilson@naca.com Address: 3200 West End Ave. Suite 500 Nashville, Tennessee 37203 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) Website: http://www.naca.com

Agency Name: RESIDENTIAL RESOURCES, INC. Phone: 615-650-9779 Toll Free: Fax: 615-650-1253 Email: RRIHOME@aol.com Address: 604 Gallatin Road Suite 103 Nashville, Tennessee 37206-5954 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English - Spanish Affiliation: Website: www.residentialresourcesinc.com

Agency Name: WOODBINE COMMUNITY ORGANIZATION Phone: 615-850-3454 Toll Free: Fax: 615-833-9727 Email: Rodwilliams47@yahoo.com Address: 222 Oriel Ave. Nashville, Tennessee 37210 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: Website: http://www.woodbinecommunity.org

Agency Name: CCCS OF GREATER ATLANTA - OAK RIDGE (SATELLITE) Phone: 866-255-2227 Toll Free: 866-255-2227 Fax: Email: info@cccsinc.org Address: 221 Rutgers Avenue Oak Ridge, Tennessee 37830 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: LEGAL AID OF SOCIETY OF MIDDLE TENNESSEE AND THE CUMBERLANDS. INC. Phone: 865-483-8454-214 Toll Free: 800-483-8457 Fax: 865-483-8905 Email: nmcbride@las.org Address: 226 Broadway Avenue P.O. Box 5209 Oak Ridge, Tennessee 37831 Counseling Services: - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: WEST TENNESSEE LEGAL SERVICES, INCORPORATED Website:

Agency Name: LEGAL AID SOCIETY OF MIDDLE TENNESSEE AND THE CUMBERLANDS (DUPLICATE) Phone: 865-483-8454 Toll Free: 800-483-8457 Fax: 865-483-8905 Email: vhansen@lglaid.org Address: Jackson Square, 226 Broadway PO Box 5209 Oak Ridge, Tennessee 37831-0000 Counseling Services: - Homebuyer Education Programs - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: WEST TENNESSEE LEGAL SERVICES, INCORPORATED Website:

Agency Name: CLINCH-POWELL RESOURCE CONSERVATION AND DEVELOPMENT COUNCIL, INC Phone: 865-828-5927 Toll Free: 800-814-6355 Fax: 865-828-5212 Email: chris@clinchpowell.org Address: 7995 Rutledge Pike P. O. Box 379 Rutledge, Tennessee 37861 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: Website: http://www.clinchpowell.net

Agency Name: DOMINION FINANCIAL MANGEMENT Phone: 615-220-5858 Toll Free: Fax: 615-220-8828 Email: regina@dominionfinancial.org Address: 660 Fitzhugh Blvd, Suite 108 PO Box 1512 Smyrna, TN 37167 Smyrna, Tennessee 37167 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.dominionfinancial.org