The objectives of the Programs are to: Make NFMC operating assistance grants to eligible entities that: Provide housing counseling assistance to owner-occupants of single-family properties, primarily in areas of the State with high rates of defaults and foreclosures; and Provide housing counseling assistance in other areas when there is a demonstrated need for such assistance; Make HCFMF operating assistance grants to eligible entities that provide housing counseling services to existing and prospective owner-occupants of single-family properties across the State; and Make other operating and housing counseling assistance grants to eligible entities as resources become available.