"Affordable housing effort" as used in this subchapter is any program or project approved by the governing body of the county which increases the availability of quality housing, either sales or rental, to any county resident whose annual income is less than the median income of the county and includes:

1. (1) Providing local matching funds to secure National Affordable Housing Act of 1990 HOME funds.
2. (2) Assisting or supporting housing efforts by the Pennsylvania Housing Finance Agency and by commercial banks and thrift institutions.
3. (3) Supporting soft second mortgage programs.