Specifications include, but are not limited to: The City of Hot Springs, Arkansas, is seeking proposals for HUD-Certified Foreclosure Avoidance Counseling Services. The City of Hot Springs receives federal funding through the U.S. Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG) program to assist low- to moderate-income persons. The City has committed CDBG funds to engage a HUD-certified agency to assist at-risk Hot Springs homeowners to prevent foreclosure through counseling, and loan modification, or other loss mitigation options. This Request for Proposals (RFP) contains all the information necessary to prepare and submit a proposal. Prospective proposers are advised to study this RFP completely and follow the instructions exactly.