Financial services, namely, lending and charitable lending services; financial services, namely, providing down payment and closing cost assistance grants to underserved and under-funded communities; providing financial sponsorship and grants for the development of financial literacy related to homeownership and housing stability; Financial information and advisory services; Mortgage loan services, namely, providing a down payment assistance program to underserved and under-funded communities in association with mortgage lending and mortgage refinancing; Providing down payment and mortgage payment assistance grants to underserved and under-funded communities; Housing counseling services, namely, foreclosure prevention counseling, mortgage payment assistance counseling, reverse mortgage counseling, pre-purchase homebuyer counseling, and counseling to others experiencing mortgage payment difficulties