FINANCING THE PLACES WHERE PEOPLE LIVE AND WORK

Providing financial information, namely, providing information in the fields of mortgages, mortgage lenders, credit, housing and credit counseling, mortgage and housing cost calculations, mortgage and housing affordability calculations, mortgage prequalification, down payments, closing costs, mortgage interest, property taxes, homeowner's insurance, home buying, and assessing and meeting financial needs, namely, the creation of financial statements, cash flow statements and budgets, and financial self-evaluation; financial and mortgage-related support services, namely, providing assistance to homeowners and prospective renters and home buyers in locating and selecting a home, buying a home, locating and selecting mortgages, locating and selecting mortgage lenders, locating and selecting housing and credit counselors, calculating mortgage costs, preparing and keeping a home ownership budget, and conducting a financial self-assessment; mortgage loan and financing services, namely, providing down payment assistance, financing and servicing residential and multifamily loans and mortgages, financing and servicing loans to businesses, housing authorities, and not-for-profit entities, administering federal and state housing assistance programs targeted at low income and moderate income home buyers, and the issuance of mortgage-backed or mortgage related securities; management of affordable rental housing rental units and apartment buildings