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  <url>
    <loc>https://www.hancockcdc.org/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2023-01-08</lastmod>
    <image:image>
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      <image:title>Home - Online Home-Buyer Education</image:title>
      <image:caption>HCDC provides homebuyer education to individuals and groups. We educate clients on the entire process of purchasing a home. We continue to support our clients with ongoing upkeep and maintenance training first-time homebuyers.</image:caption>
    </image:image>
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      <image:title>Home - Affordable Housing Services</image:title>
      <image:caption>The Hancock Community Development Corporation is a HUD approved counseling agency. HCDC provides pre- and post-purchase housing counseling. HCDC counseling services include: Mortgage Default and Delinquency, Foreclosure Prevention, Tenant, Homebuyer Education, and Budgeting.</image:caption>
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    <image:image>
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      <image:title>Home - Employment Assistance</image:title>
      <image:caption>HCDC participates in programs providing On-the–Job training for unemployed Georgia residents. HCDC will also provide work experience for aspiring Athenians as part of the "Work Ready" program. This initiative is designed to provide Georgia youth with valuable education and trade skills.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/donate</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-31</lastmod>
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      <image:title>Donate - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/youth-enrichment</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-12-21</lastmod>
    <image:image>
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      <image:title>Youth Enrichment - Marketable Skills</image:title>
      <image:caption>We provide computer training that teaches children how to utilize the internet as a powerful learning tool for school projects or reports. They also receive computer time to pursue extracurricular interests, learn general computer skills, and maintain computer competence which will benefit them throughout their lives.</image:caption>
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      <image:title>Youth Enrichment</image:title>
      <image:caption>The Holiday Season is a time of joy, but it is also a poignant reminder that many children will not have a Merry Christmas without help from the community. HCDC is proud to provide a Christmas gift program for these children.</image:caption>
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      <image:title>Youth Enrichment</image:title>
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      <image:title>Youth Enrichment</image:title>
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      <image:title>Youth Enrichment</image:title>
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      <image:title>Youth Enrichment</image:title>
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      <image:title>Youth Enrichment</image:title>
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      <image:title>Youth Enrichment</image:title>
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  </url>
  <url>
    <loc>https://www.hancockcdc.org/employment-assistance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/71d42a62-5c42-4689-8bd8-0b16270edff5/on-the-job-training-header.png</image:loc>
      <image:title>Employment Assistance - HCDC participates in programs providing On-the–Job training for unemployed Georgia residents. As part of the governor's 2012 "Go Build Georgia" campaign, and in cooperation with the Department of Labor, HCDC will provide work experience for aspiring Athenians as part of the "Work Ready" program.</image:title>
      <image:caption>This initiative is designed to provide Georgia youth with valuable education and trade skills, and to award them with "Work Ready Certificates" to give them an edge in their job searches. More individuals can be assisted with the collaborative effort of cooperative agencies that support the cause of assisting those on public assistance and empowering them to become productive contributors to the community. Through a similar program with the Athens Area Council on Aging, HCDC welcomes the wisdom and expertise of older adults who desire to return to the job market. Participants work for 1 year with HCDC and receive training in current computer and job skills.</image:caption>
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  </url>
  <url>
    <loc>https://www.hancockcdc.org/affordable-housing-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/059ff646-bd69-4fe0-9948-5b926b47d995/995Hope-blog-03-min.jpeg</image:loc>
      <image:title>Affordable Housing Services - Tenant counseling is provided to those experiencing rental delinquency to help avoid eviction. Pre-occupancy services assist in housing selection, review of leases, financial status, and money management.</image:title>
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      <image:title>Affordable Housing Services</image:title>
      <image:caption>Mortgage default and delinquency counseling assist and empower individuals experiencing delinquency or foreclosure problems. Foreclosure prevention counseling is designed to help families obtain a loan modification that halts unnecessary foreclosures and helps protect against mortgage scams.</image:caption>
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      <image:title>Affordable Housing Services - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/hecm-reverse-mortgage-counseling</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-31</lastmod>
    <image:image>
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      <image:title>HECM / Reverse Mortgage Counseling - HECM / Reverse Mortgage</image:title>
      <image:caption>Hancock Community Development Corporation provides HECM/Reverse Mortgage counseling to homeowners 62 and older interested in the federally-insured reverse Mortgage program.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/1640059132230-GEV49T9MDQD72OVUDHIB/unsplash-image-V2edkaIdMP4.jpg</image:loc>
      <image:title>HECM / Reverse Mortgage Counseling - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/online-homebuyer-education</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-11</lastmod>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/tenant-counseling</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-12-21</lastmod>
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      <image:title>Tenant Counseling</image:title>
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      <image:title>Tenant Counseling - In addition…</image:title>
      <image:caption>We provide housing selection assistance, review of leases, review of financial status, advice on money management, and pre-occupancy counseling on Fair Housing Laws and lease agreements. For post-occupancy, HCDC provides an initial assessment in determining the cause of any problems, assistance developing financial plans, and rights and responsibilities counseling.</image:caption>
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  </url>
  <url>
    <loc>https://www.hancockcdc.org/mortgage-default</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/1640061172009-QFU72ZKONG0V1FJJY2V8/unsplash-image-OQMZwNd3ThU.jpg</image:loc>
      <image:title>Mortgage Default - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-31</lastmod>
  </url>
  <url>
    <loc>https://www.hancockcdc.org/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-02-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/c3520ead-3424-41f4-b810-98acd49b76ee/output_cPGQv1.gif</image:loc>
      <image:title>About - History</image:title>
      <image:caption>In 1995, the Hancock Corridor was a community in deep distress. With a median income less than half of the county average, unemployment much higher than the national average, a growing housing crisis, and rampant crime, it was clear that organized community intervention was necessary if positive change was going to happen. In cooperation with city officials, concerned citizens began planning to revitalize the area. The result was a series of community initiatives including neighborhood cleanup days, restoration of historic buildings, and participation in the Raise the Roof Day campaign, which called attention to the need for affordable housing.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/1640063400136-OWRMBS1CZ0T352KIYOGQ/unsplash-image-0aMMMUjiiEQ.jpg</image:loc>
      <image:title>About</image:title>
      <image:caption>Community activists continued to work together toward ongoing solutions, and in 1999, the Hancock Corridor Advisory Committee merged with the newly incorporated Hancock Community Development Corporation, Inc. HCDC was formed with the purpose of providing grassroots support and services for Corridor residents, and was an integral part of the long-term revitalization strategy envisioned by community leaders. Areas of focus include: economic development services for low-to-moderate income residents; neighborhood revitalization; expanded housing choices and increased availability of safe, affordable housing for those in need; and improving the quality of life and educational attainment of community youth.</image:caption>
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  </url>
  <url>
    <loc>https://www.hancockcdc.org/vita</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/1643131076530-VUN4D5MH2ILQZSR0S5XR/unsplash-image-5616whx5NdQ.jpg</image:loc>
      <image:title>VITA Program - Open By Appointment</image:title>
      <image:caption>Monday: 10am - 5pm Tuesday: 10am - 5pm to schedule an appointment, (706) 546-1154</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61bf552c306892636ccdd4d0/1643131114905-AJOIGL1OSWYVLGJT4KS6/unsplash-image-5fNmWej4tAA.jpg</image:loc>
      <image:title>VITA Program - Walk-Ins Welcome</image:title>
      <image:caption>Wednesday: 10am - 5pm Thursday: 3pm - 7pm Saturday: 10am - 2pm 300 Henderson Extension, Athens, GA, 30606</image:caption>
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      <image:title>VITA Program - What To Bring?</image:title>
      <image:caption>Copy of last year’s tax return Taxpayer’s Proof of Identity All forms, W-2, 1098 and 1099 Information for other income Identification number for Child Care Provider Information for deductions/credits Proof of account for direct deposit of refund (e.g. voided check) Social Security cards and/ or ITIN notices/ cards for you, your spouse, and dependents</image:caption>
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      <image:title>VITA Program</image:title>
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