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Overview ; This multi-year program anticipates long-lasting impacts of the pandemic and focuses on home retention and stability. Once moratoriums expire, we should be prepared for possible foreclosures or threats of such action, or homeowners will be forced to rely on credit cards and any existing savings to pay the increased monthly payments or lump sums in some cases. This project responds directly to the negative impacts of the pandemic on low-income community members and will stabilize vulne...