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109 Matching Service Providers
Housing Opportunities of Beaver County
New Castle - Housing Counseling
Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.
2418 Wilmington Road
New Castle, PA 16105
Eligibility: Residents of Beaver and Lawrence County.
Hours: Monday through Friday, 8:30am to 4:30pm.
Housing Opportunities of Beaver County
Beaver - Housing Counseling
Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.
282 East End Avenue
Beaver, PA 15009
Eligibility: Residents of Beaver and Lawrence County.
Hours: Monday through Friday, 8:30am to 4:30pm.
Mon Valley Initiative
MVI - Mid-Mon Office - Housing Counseling Program
Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them.

Also assists homeowners seeking loans and grants to make improvements to their homes.
435 McKean Avenue
Charleroi, PA 15022
Eligibility: Services are available to those considering the purchase of their first
home and homeowners seeking information about grants, loans, and
reverse mortgages to finance home improvements.
Hours: Monday through Friday, 9:00am to 5:00pm
Mon Valley Initiative
MVI Main Office, Homestead - Housing Counseling Program
Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them.

Also assists homeowners seeking loans and grants to make improvements to their homes.
305 East Eighth Avenue
Homestead, PA 15120
Eligibility: Services are available to those considering the purchase of their first
home and homeowners seeking information about grants, loans, and
reverse mortgages to finance home improvements.
Hours: Monday through Friday, 9:00am to 5:00pm
NeighborWorks Western PA
Pittsburgh - Credit Counseling
Provides homebuyer and homeowner counseling and education, including foreclosure prevention services. All services are available virtually.
1901 Centre Ave
Suite 200
Pittsburgh, PA 15219
Eligibility: Homeowners or individuals looking to buy a home.
Hours: Monday through Friday, 8:30am to 5:00pm
Open Hand Ministries
Main Office, East Liberty - Financial Counseling and Affordable Home Ownership
Offers a financial education program that supports the opportunity for affordable home ownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Participants are supported through the process of credit building, goal setting, budgeting with potential opportunities to purchase an affordable home. The program also includes education on how to maintain and sustain a property once it has been purchased.

Using a predominantly volunteer workforce, Open Hand Ministries also purchases and renovates properties for low-medium income families.
616 North Highland Avenue
Pittsburgh, PA 15206
Eligibility: Low to moderate income residents of East Liberty and Garfield neighborhoods.
Hours: Monday through Friday, 9:00am to 5:00pm
Urban League of Greater Pittsburgh
ULPgh Main Office - Operation Home
Offers a homeownership education program consisting of online courses and one-on-one counseling. The course is designed to enable clients to make informed decisions during the transition from renter to homeowner. This course places an emphasis on financial literacy for first-time homebuyers, particularly in the low to moderate income population.

Operation HOME has developed partnerships with the Pennsylvania Housing Finance Agency (PHFA), local lending institutions, social service agencies, and local real estate organizations to help reach its goal of creating successful homeowners throughout Western Pennsylvania.
332 Fifth Avenue
4th Floor
Pittsburgh, PA 15222
Eligibility: Call or email for details.
Hours: Courses are held on the third Saturday of each month from 9:00 am to 5:30
pm and include a break for lunch. Courses are currently being held
online.
Urban Redevelopment Authority of Pittsburgh
Pittsburgh - Down Payment and Closing Cost Assistance Program
Provides down payment and closing cost assistance up to $7,500 for individuals purchasing their first home in the City of Pittsburgh.
412 Boulevard of the Allies
Suite 901
Pittsburgh, PA 15219
Eligibility: Please refer to the eligibility website for income eligibility requirements.
Hours: Monday through Friday, 8:00am to 5:00pm
Pittsburgh Hispanic Development Corporation
Pittsburgh - Hispanic Corporation
Provides services to improve the lives of Hispanics in the region, increase the Hispanic population, support existing and new Hispanic businesses, and increase Hispanic investment in the region.
1555 Broadway Avenue
Second Floor
Pittsburgh, PA 15216
Advantage Credit Counseling Service
Altoona - Housing Counseling Services
Offers pre-purchase counseling counseling sessions to assist prospective buyers to understand the mortgage process; foreclosure prevention counseling helps current homeowners to avoid foreclosure when possible. Also provides information about reverse mortgages in special sessions.
917A Logan Boulevard
Altoona, PA 16602
Eligibility: Serves all Pennsylvania residents.
Hours: Monday through Thursday, 8:00am to 8:00pm Friday, 8:00am to 5:00pm
Advantage Credit Counseling Service
Greensburg - Housing Counseling Services
Offers pre-purchase counseling counseling sessions to assist prospective buyers to understand the mortgage process; foreclosure prevention counseling helps current homeowners to avoid foreclosure when possible. Also provides information about reverse mortgages in special sessions.
One Northgate Square
Greensburg, PA 15601
Eligibility: Serves all Pennsylvania residents.
Hours: Monday through Thursday, 8:00am to 8:00pm Friday, 8:00am to 5:00pm
Advantage Credit Counseling Service
Harrisburg (Lemoyne) - Housing Counseling Services
Offers pre-purchase counseling counseling sessions to assist prospective buyers to understand the mortgage process; foreclosure prevention counseling helps current homeowners to avoid foreclosure when possible. Also provides information about reverse mortgages in special sessions.
701 Bossler Avenue
Suite B, Office 1
Lemoyne, PA 17043
Eligibility: Serves all Pennsylvania residents.
Hours: Monday through Thursday, 8:00am to 8:00pm Friday, 8:00am to 5:00pm
Advantage Credit Counseling Service
ACC Headquarters, Pittsburgh - Housing Counseling Services
Offers pre-purchase counseling counseling sessions to assist prospective buyers to understand the mortgage process; foreclosure prevention counseling helps current homeowners to avoid foreclosure when possible. Also provides information about reverse mortgages in special sessions.
2403 Sidney Street
River Park Commons, Suite 250
Pittsburgh, PA 15203
Eligibility: Serves all Pennsylvania residents.
Hours: Monday through Thursday, 8:00am to 8:00pm Friday, 8:00am to 5:00pm
Community Development Program of Beaver County
Beaver Falls - Community and Housing Development
Managing and administering the federal and state grants including but not limited to Community Development Grant (CDGB), Community Services Block Grant (CSBG), Emergency Solutions Grant (ESG), Homeless Assistance Program (HAP), Emergency Rental Assistance Program (ERAP), and the Homeless Investment Partnership funding (HOME).
1013 Eighth Avenue
Beaver Falls, PA 15010
Eligibility: Individual or business within Beaver County
Hours: Monday through Friday, 8:30am to 4:30pm
Greene County Human Services
Housing Program
Provides compreheneivse housing services to individuals encountering homelessness.
19 South Washington Street
Fort Jackson Building, 3rd Floor
Waynesburg, PA 15370
Eligibility: Experiencing homelessness
Hours: Monday through Friday, 8:30am to 4:30pm
Redevelopment Authority of the County of Washington
Countywide Homebuyer Assistance Program
Assists first-time homebuyers in attaining their goal of home ownership by providing financial assistance for the purchase and rehabilitation of eligible housing units.
100 West Beau Street
Suite 603
Washington, PA 15301
Eligibility: 1. Annual household income must not exceed 80% of the Median Family
income for the Pittsburgh MSA as determined by HUD and adjusted based
on family size. 2. The first- time homebuyer must not have owned a
housing unit within the past 3 years unless she/he is a displaced
homemaker. 3. Homebuyers must have the financial capability to provide
cash payment of 3% of the purchase price of the housing unit for the
purchase. 4. Moderate income homebuyers must have the financial
capability to obtain an 80% mortgage from a participating lending
institution. 5. Low income homebuyers must have the financial
capability to obtain a 71% loan from a participating lending
institution. 6. Homebuyers must successfully complete the Pre-purchase
counseling class. 7. House Purchased must be occupied as the primary
residence and the value after rehabilitation mus not exceed $152,000.
Hours: Irregular - call for details
Housing and Redevelopment Authority of Butler County
Butler County Homeownership Program
Assists low and moderate income families to achieve home ownership in Butler County. A HUD and PHFA-certified Housing Counseling agency. Provides housing counseling for: homeless, rental, home ownership, foreclosures/loss mitigation and budget and credit. Monthly classes pertaining to: home buyer education, foreclosure prevention and mortgage assistance.
114 Woody Drive
Butler, PA 16001
Eligibility: Low income
Hours: Monday through Friday, 8:00am to 4:30pm
Indiana County Community Action Program
Administrative Headquarters - Housing Counseling
Provides counseling to first time home buyers and low income housing.
827 Water Street
Indiana, PA 15701
Eligibility: Low Income
Hours: Monday through Friday, 8:30am to 4:30pm
Closed for lunch, noon to 1:00pm
Indiana County Office of Planning and Development
Indiana - Fair Housing
Assists in the filing of housing discrimination complaints.

Gives referrals to the Fair Housing Law Center to investigate, file and provide legal representation for victims of housing discrimination.
801 Water Street
Indiana, PA 15701-1705
Eligibility: No limitations or restrictions
Hours: Monday through Friday, 8:30am to 4:30pm
Redevelopment Authority of the County of Fayette
Uniontown - Homebuyer Redevelopment Program Counseling
Provides home buyer counseling services, down payment and closing cost assistance, and a variety of permanent and subordinated mortgage products.
86 West Main Street
Uniontown, PA 15401-3303
Eligibility: Low and moderate income families purchasing single-family homes
throughout Fayette County.
Hours: By appointment
Threshold Housing Development
Uniontown - Homebuyer/Home Purchase Counseling
Provides affordable housing for low income families. Also links residents to community action agencies for housing counseling.
55 North Beeson Avenue
Uniontown, PA 15401
Eligibility: Residents of Fayette, Greene and Washington counties. Low income
Hours: Monday through Friday, 8:30am to 4:30pm
United Way of Lawrence County
New Castle - Homebuyers Classes
Provides classes designed to help people prepare to buy a home.
223 North Mercer Street
New Castle, PA 16101
Eligibility: * Adults age 18 and older

* Residents of Lawrence County
Hours: Monday through Friday, 8:30am to 4:30pm
Washington County Government
Washington County Human Services Department - Homeless Services and Housing Assistance Programs
Strives to ensure that individuals and families that are at risk of becoming homeless receive the prevention and intervention services to address their various housing needs and the need of other supportive services.

Facilitates all aspects of the multiple projects comprising Washington County's Continuum of Care. Homeless / Housing Services include: Emergency Shelter Services, Safe Haven, Transitional Housing, Permanent Supportive Housing, Shelter Plus Care, and Homeless Prevention Programs. Supportive Services include Case Management Services and Information and Referral.
95 West Beau Street
Third Floor
Washington, PA 15301
Eligibility: Near homeless; Homeless; Age:18 and above; 200% Federal Poverty
Guidelines
Hours: Monday through Friday, 8:30am to 5:00pm
Blueprints
Washington - Homeownership Center
Provides foreclosure prevention services for homeowners in danger of losing their homes.
150 West Beau Street
Suite 106
Washington, PA 15301
Eligibility: Homeowners in Greene and Washington counties.
Hours: Monday through Friday, 9:00am to 4:30pm
Blueprints
Waynesburg - Homeownership Center
Provides foreclosure prevention services for homeowners in danger of losing their homes.
58 East Greene Street
Waynesburg, PA 15370
Eligibility: Homeowners in Greene and Washington counties.
Hours: Monday through Friday, 9:00am to 4:30pm
Community Action Partnership of Mercer County
Community Action Partnership of Mercer County - Housing - Housing Counseling
Provides housing counseling services to help homeowners avoid foreclosure and other housing issues. Some services include: homebuyer education, credit recovery, and loss mitigation
75 South Dock Street
Sharon, PA 16146
Eligibility: Call for information
Hours: Monday through Friday, 8:30am to 4:30pm
Fayette County Community Action Agency
Fayette County Community Action Agency - Housing Assistance - Housing Counseling
Provides counseling to first time home buyers. Certified Housing and Urban Development Counseling Agency.
140 North Beeson Avenue
Second Floor
Uniontown, PA 15401
Eligibility: Some programs are income and/or age based.
Hours: Monday through Friday, 8:30am to 4:30pm
Affordable Housing Centers of Pennsylvania
Affordable Housing Centers of Pennsylvania - Francisville - Affordable Housing Centers of Pennsylvania - First Time Homebuyer Program - Francisville
Guiding people along the path of meeting the necessary qualifications to achieve homeownership for the first time. Serving as the bridge between the lender and the client by translating complex mortgage terminology into client-friendly language.
846 North Broad Street
Philadelphia, PA 19130
Eligibility: Call for information
Hours: Monday through Thursday 9:00 am to 5:00 pm Friday 9:00 am to 4:30 pm
Saturdays by Appointment
Franklin County Housing Authority
Family Self Suffiency and Home Ownership Program
Encourages and assists families to become self-sufficient. Participants are assigned a coordinator to help them set and reach goals related to becoming self-sufficient such as receiving more education, job training, help with childcare, a career, home ownership, and any other goals they may have. Offers a financial incentive to families through an escrow account (see Helpful Tips for more information).
436 West Washington Street
Chambersburg, PA 17201
Eligibility: Open to all residents in Public Housing or those who hold a Housing
Choice Voucher/Section 8 Voucher. Anyone who currently holds a Section
8 voucher through FCHA is eligible to apply for the Home Ownership
Program, regardless of educational level, work experience, or current
employment status.
Hours: Tuesday and Thursday, 9:00am to 4:30pm
Mothers Against Drunk Driving (MADD) - Southeastern Pennsylvania Affiliate
Bridgeport - Victim Advocacy
Provides victim Advocates who are trained and certified to assist victims with the criminal justice proceedings and, in many cases, will accompany victims to court. Victim advocates are there for grief support and may provide a list of local professional counselors, civil attorneys and clergy who are skilled at working with crash victims.
3200 Ridge Pike
Suite 300
Norristown, PA 19408
Eligibility: No limitations or restrictions
Hours: Irregular - call for details
Philadelphia Housing Authority
Philadelphia - Housing Counseling Services
Assists residents who are preparing for homeownership by providing extensive Housing Counseling Services. Housing Counseling Services offer participants training and Pre-Purchase Counseling including Needs Assessment /Action Plans, Credit Counseling and Financial Education. Prospective homeowners should also consider signing up for PHA's Financial Literacy Improvement Program.
2013 Ridge Avenue
Philadelphia, PA 19121
Eligibility: Residents of Philadelphia Housing Authority.
Hours: Administrative Hours: Monday through Friday, 9:00am to 3:00pm.
Philadelphia Housing Authority
Philadelphia - Housing Choice Homeownership Program
Helps homeowners make monthly mortgage payments for a maximum term of 15 years on a mortgage loan of 20 years or more.

Mortgage loans for less than 20 years may be subsidized for a maximum term of 10 years. Program available to HUD's Housing Choice voucher recipients.
2013 Ridge Avenue
Philadelphia, PA 19121
Eligibility: * 1st time homebuyer

* Families that own or are acquiring shares in cooperative

* Families that have completed Pre-Purchase Housing Counseling

* Minimum income requirements ($14,500 per year; $6,624 per year
for families with disabled members)

* Minimum 1 year employment requirement, at least 30 hours a week
(disabled/elderly exempt)

* No felony crime in the past 5 years- No fraud using federal money

* Home must pass 2 Inspections, one by an inspector who is
certified by the American Society of Home Inspection and a PHA
Inspection

Mortgage assistance only available to residents/clients of the
Philadelphia Housing Authority.
Hours: Administrative Hours: Monday through Friday, 9:00am to 3:00pm.
Ceiba
Philadelphia - Ceiba - Housing Counseling - Philadelphia; Kensington
Coordinates the housing counseling services of three organizations: Concilio, Esperanza and the Norris Square Civic Association - These services are delivered to homeowners, potential homeowners and renters. Counselors identify predatory loans and assist homeowners to obtain good loan products for home repairs. Renters receive tenant rights and rental delinquency services. All clients receive Housing Consumer Education, including budget and credit counseling.
174 Diamond Street
Philadelphia, PA 19122
Hours: Monday through Friday 9:30 am to 5:00 pm
Ceiba
Philadelphia - Ceiba - IDA Program - Philadelphia; Kensington
IDA Program provides Individual Development Accounts (IDAs) to individuals who are first time home buyers. It is a structured savings program that provides matching funds for participants who meet a savings goal and complete financial education. First time home buyers who save $2,000, complete 6 hours of financial literacy education, and participate in 5 hours of housing counseling are eligible to receive $4,000 in matching funds. Funds may be used for down payment or closing costs.
174 Diamond Street
Philadelphia, PA 19122
Eligibility: Income guidelines apply. Call for details.
Hours: Program hours vary, please call for more information.
Housing Equality Center of Pennsylvania
Fort Washington - Fair Housing Enforcement and Education
Offers a range of programs to ensure that consumers have access to housing and understand their rights under fair housing laws. Services include counseling on the rights protected under fair housing laws, information on how to recognize and report violations, information on legal options and assistance with the legal process, random testing to ensure regional compliance with fair housing laws, technical assistance, and comprehensive education programs.
Eligibility: Residents of Bucks, Chester, Delaware, Lehigh, Montgomery, Northampton,
and Philadelphia counties
Hours: Monday through Friday, 9:00am to 5:00pm
Cumberland County Housing and Redevelopment Authorities
Home Buyer Workshops
Provides homeownership workshop opportunities.
114 North Hanover Street
Carlisle, PA 17013
Eligibility: A) Must be a first-time buyer
B) Meets income guidelines
C) Agree with other program requirements
Hours: Call for information
Credit Counseling Center
Richboro - Mortgage Assistance
Provides a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.
832 Second Street Pike
Office #1
Richboro, PA 18954
Eligibility: Residents of Pennsylvania
Hours: Thursday, 9:00am to 5:00pm
Credit Counseling Center
Levittown - Mortgage Assistance
Provides a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.
208 Levittown Parkway
Inside Penn Community Bank
Levittown, PA 19054
Eligibility: Residents of Pennsylvania
Hours: Thursday, 9:00am to 5:00pm
Liberty Resources
Philadelphia - Housing Counseling
Provides counseling and advocates for individuals with disabilities seeking affordable and accessible housing. Also educates public about housing rights.
112 North 8th Street, Suite 600
Philadelphia, PA 19107
Eligibility: Individuals with disabilities
Hours: Monday through Friday, 9:00am to 5:00pm
Pennsylvania Department of Human Services - NEPA Counties
Bradford County Assistance Office - Emergency Shelter Allowance (ESA)
Provides an emergency shelter allowance to stop eviction from home/apartment or foreclosure to house. May also help find a long-term or short-term place to live, if necessary. Amount of the one time payment depends on needs, situation, and emergency.
1 Elizabeth Street
Suite 4
Towanda, PA 18848
Eligibility: Homeless or near homeless family/individuals. Must meet all income,
resource, and non-financial guidelines. Call for more information.
Hours: Monday through Friday, 8:00am to 5:00pm
Housing Development Corporation
Wilkes Barre - Homebuyers Counseling
Provides free home buyers counseling and closing cost assistance.
163 Amber Lane
Wilkes Barre, PA 18702
Eligibility: Low-to-moderate income individuals and families. Call for information.
Hours: Monday through Friday, 8:30am to 5:00pm
Army Emergency Relief
Provides emergency aid, in the form of either a direct grant (a cash gift, not to be repaid) or an interest-free loan, and by giving college scholarships to children of soldiers.
2530 Crystal Drive
Suite 13161
Arlington, VA 22202
Eligibility: The following individuals are eligible for assistance from Army Emergency
Relief:

* Soldiers on extended active duty and their dependents.

* Members of the Reserve Components of the Army (National Guard
under Title 10 authority and Army Reserve) who are on continuous
active duty for more than 30 consecutive days and their eligible
family members.

* Soldiers retired from active duty because of longevity or physical
disability or retired upon reaching age 60 (Reserve Components)
and their eligible family members.

* Widows, widowers and orphans of Soldiers who died while on active
duty or after retirement as cited above.
Hours: Monday through Friday, 8:00am to 5:00pm
Northwest Counseling Services
Philadelphia - Real Estate and Housing Counseling
Provides real estate and housing counseling services. Offers advice and services in the areas of pre and post purchase, pre and post rental, mortgage default/ delinquency/ foreclosure, anti-predatory lending, rental default, reverse mortgage counseling/ certification, and housing consumer education.
6521 North Broad Street, 1st Floor
Philadelphia, PA 19126
Eligibility: Residents of Philadelphia County
Hours: Monday through Friday, 9:00am to 5:00pm
Bucks County Opportunity Council
Central Bucks County - Doylestown - Housing Services
Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.
33 Union Street
Doylestown, PA 18901
Eligibility: Residents of Bucks County with annual household income at or below 200%
of the U.S. Department of Health and Human Services Federal Poverty
Income Guideline
Hours: Monday through Friday, 8:00am to 4:30pm
Bucks County Opportunity Council
Central Bucks County - Warminster - Housing Services
Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.
539 Jacksonville Road
Warminster, PA 18974
Eligibility: Residents of Bucks County with annual household income at or below 200%
of the U.S. Department of Health and Human Services Federal Poverty
Income Guideline
Hours: Monday through Friday, 8:00am to 4:30pm
Bucks County Opportunity Council
Upper Bucks County - Housing Services
Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.
136 C Mill Road
Quakertown, PA 18951
Eligibility: Residents of Bucks County with annual household income at or below 200%
of the U.S. Department of Health and Human Services Federal Poverty
Income Guideline
Hours: Monday through Friday, 8:00am to 4:30pm
Bucks County Opportunity Council
Lower Bucks County - Bristol - Housing Services
Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.
721 Veterans Highway
Bristol, PA 19007
Eligibility: Residents of Bucks County with annual household income at or below 200%
of the U.S. Department of Health and Human Services Federal Poverty
Income Guideline
Hours: Monday through Friday, 8:00am to 4:30pm
Intercultural Family Services
University City - Housing Counseling Program
Helps with pre- and post-renting, rental delinquency/default, postpurchase counseling, first-time mortgage counseling, anti-predatory lending, and mortgage default and delinquency counseling.
4225 Chestnut Street
Philadelphia, PA 19104
Eligibility: No limitations or restrictions
Hours: Monday through Friday, 9:00am to 5:30pm
Norris Square Community Alliance
Philadelphia - Housing Counseling
Provides comprehensive housing counseling services including Pre- and Post-Purchase Counseling, Rental Counseling, Mortgage Default and Delinquency Counseling, Property Inspection Assistance, Loan Counseling. Home Repair Loans, Mortgage Refinancing Assistance, Property Tax Assistance, and Homestead Exemption Help. Holds Pre-Purchase Workshops the third Thursday of every month.
174 Diamond Street
Philadelphia, PA 19122
Eligibility: Open to people in neighborhood.
Hours: Monday through Friday, 9:00am to 5:00pm Laters hours may be available by
appointment.
New Kensington Community Development Corporation
Philadelphia - Housing Counseling
NKCDC has a team of HUD-certified housing counselors who are able to provide a very wide range of free housing services, including: first-time homebuyer counseling; foreclosure and sheriff sale prevention; rent, mortgage and utility assistance; property tax and rent rebates; financial education. Also help clients build budgets and credit, and can connect people to affordable home repair.
2771 Ruth Street
Suite 1
Philadelphia, PA 19134
Eligibility: Open to any resident of Philadelphia
Hours: Monday through Friday, 9:00am to 5:00pm
Intercommunity Action
Journey's Way - Housing Counseling Services at Journey's Way
Services available include:

- Finding suitable and affordable housing;
- Accessing utility benefits and programs;
* Managing money and budgeting;
* Solving deed and title issues;
* Helping with mortgage default and delinquency counseling;
* Anti-predatory loan counseling and predatory loan relief;
* Filing tax and rent rebates;
* City taxes and other city liens
403 Rector Street
Philadelphia, PA 19128
Eligibility: Ages 55+.
Hours: Counseling by appointment only. Administrative hours: Monday through
Friday, 8:30am to 5:00pm
Urban League of Philadelphia
Philadelphia - Housing Counseling
Provides counseling and workshops concerning first-time homebuyers, budgeting and managing finances, resolving/preventing mortgage delinquency, avoiding predatory lending, landlord-tenant issues, and tax liens. Provides referral service for any issue regarding tangled titles and deed transfers. Maintains an extensive list of resources for homeowners, heirs, and rental topics.
1100 Ludlow Street
WeWork 7
Philadelphia, PA 19107
Eligibility: Residents of the Greater Philadelphia area
Hours: Monday through Friday, 9:00am to 5:00pm
Cradle of Hope
Cradle Pregnancy Resource Center
The Cradle Pregnancy Resource Center (CPRC) offers counseling and decision-making support to mothers who are pregnant and are feeling overwhelmed by their pregnancy. For those who are still unsure what they are going to do about their pregnancy, the staff and volunteers at CPRC offer guidance and support and information about the choices available to pregnant women and new mothers, and a host of services to assist them, including:

-- Pregnancy Testing
-- Pregnancy Counseling
-- Housing Assistance
-- Parenting Classes
-- General Family Support
-- Assistance applying for state assistance, subsidized child care, and subsidized housing
-- Referrals for other Supportive Services
-- Adoption assistance, birth support groups, doulas, adoption services, anger management, medical care, long term counseling, etc.
-- Pantry Services
-- Baby clothes, diapers, & formula
2242 Mount Carmel Avenue
Glenside, PA 19038
Eligibility: Women who might be pregnant, pregnant women, parents and caregivers of
children under age 1
Southwest Community Development Corporation
Philadelphia - Housing Counseling
Provides OHCD (Office of Housing and Community Development) approved housing counseling, including:
  • Home Purchase Counseling
  • Mortgage Default and Delinquency
  • Property Tax Default or Delinquency
  • HEMAP (Homeowners Emergency Mortgage Assistance Program)
  • Tenant Counseling
  • Tax Lien Counseling
  • Anti-predatory Lending
  • Deed Related Problems
  • Housing Consumer Education
  • Post-occupancy Homeownership Counseling
    Budgeting & Credit Repair
6328 Paschall Avenue
Philadelphia, PA 19142
Eligibility: Open for anyone looking for housing counseling
Hours: Monday through Friday, 8:30am to 4:30pm
PATH
Philadelphia - Russian Outpatient Program
You will meet privately with a professionally credentialed clinician who speaks Russian and will listen to your concerns.
The clinician will help you identify areas in your life that you would like to change and help you develop a plan to make these changes.
You will meet regularly and be supported by the clinician as you take actions to bring about these changes.
The clinician will arrange for you to see a PATH psychiatrist, if indicated.
You will meet with a psychiatrist who will complete an evaluation and may prescribe medication for you.
If you meet with a psychiatrist who does not speak Russian, your clinician will also attend the appointment and act as your translator.
You may continue to see both the psychiatrist for medication appointments and see the clinician for therapy.
1919 Cottman Avenue
Philadelphia, PA 19111
Eligibility: Not available
South of South Neighborhood Association
Philadelphia - Housing Counseling
Provides OHCD (Office of Housing and Community Development) approved housing counseling.
1901 Washington Avenue
Unit B
Philadelphia, PA 19146
Eligibility: No limitations or restrictions
Center in the Park
Philadelphia - Housing Counselor
Provides counseling through information, referrals, and advocacy for individuals and families with a variety of housing assistance, issues, questions, or concerns.
5818 Germantown Avenue
Philadelphia, PA 19144
Eligibility: Residents of Philadelphia age 55+
Hours: Monday through Friday, 8:30am to 4:30pm
Philadelphia Chinatown Development Corporation
Crane Community Center - Housing Counseling
Provides one-on-one rental, pre-purchase, and post-purchase counseling, and group workshops covering topics like home insurance, property tax assistance, weatherization, affordable senior housing, home purchase, fair housing, and home maintenance. Also offers a free full course to earn a first-time home buyer certificate.
1001 Vine Street, 2nd Floor
Philadelphia, PA 19107
Eligibility: * Low-to-moderate income households

* Residents of Philadelphia County
Hours: Monday through Friday, 9:30am to 6:00pm
Mount Airy CDC
Mount Airy - Housing Counseling
Provides housing counseling services.
6703 Germantown Avenue, Suite 200
Philadelphia, PA 19119
Eligibility: Serves first-time, low-income, and moderate-income homebuyers.
Hours: Irregular - call for details.
United Neighborhood Centers of NEPA
Community Services Offices - Counseling, Education and Long Term Support
Works with clients past the fulfillment of basic needs to provide the support necessary for clients to achieve long-term stability. Offers a variety of long-term support, education, and counseling services on topics such as budgeting and buying a home. Also offers an intervention program for male perpetrators involved in domestic violence, as well as several specialized permanent supportive housing programs for chronically homeless individuals and families.
410 Olive Street
Scranton, PA 18509
Eligibility: Varies by program; call for information.
Hours: Monday through Friday, 9:00am to 5:00pm
Penn State Cooperative Extension - Lycoming County
Montoursville - Educational Services
Provides education programs in areas such as agriculture, farming, food preservation, nutrition, child care, as well as training in the natural gas industry. Advisors are available to go to homes to provide nutrition education for low-income clients.
Also provides information on chemical safety, such as using pesticides, and advises which products should be used for a specific cause.
542 County Farm Road
Montoursville, PA 17754
Eligibility: Residents of: Lycoming County
Hours: Monday through Friday, 8:00am to 4:30pm
Genesis Housing Corporation
Genesis Housing Corporation - Montgomery; Norristown - Housing Counseling Program
Provides free classes and individual counseling. Monthly classes focus on topics such as understanding credit, credit repair, money management, saving plans, grant programs, and understanding the home buying process including selecting a realtor and finding the best mortgage.
1430 DeKalb Street
Suite 2020
Norristown, PA 19401
Eligibility: No limitations or restrictions
Hours: Monday through Friday, 9:00am to 5:00pm
Genesis Housing Corporation
Genesis Housing Corporation - Montgomery; Norristown - Homeowner Rehab Program
Provides grants and technical assistance to qualified lower income homeowners to improve their homes and eliminate housing code violations.
1430 DeKalb Street
Suite 2020
Norristown, PA 19401
Eligibility: * Single-family residences located within Montgomery County(EXCLUDING
properties located in Abington Township, Conshohocken Borough,
Lower Merion Township, and Norristown Borough)

* Meets income guidelines (see website for details
Hours: Monday through Friday, 9:00am to 5:00pm
Habitat for Humanity of Chester County
Coatesville ReStore - ReStore - Coatesville
Accepts new and used items such as appliances, furniture, bathroom fixtures, and paint donated by builders, local suppliers, manufacturers and individuals.
Provides affordable materials for home furnishing and repair.
1853 East Lincoln Highway
Caln Plaza Shopping Center
Coatesville, PA 19320
Eligibility: No limitations or restrictions
Hours: Store Hours: Wednesday through Saturday, 9:00am to 5:00pm Donation Center
Hours: Wednesday through Saturday, 10:00am to 4:30pm
Habitat for Humanity of Chester County
Phoenixville ReStore - ReStore - Phoenixville
Accepts new and used items such as appliances, furniture, bathroom fixtures, and paint donated by builders, local suppliers, manufacturers and individuals.
Provides affordable materials for home furnishing and repair.
785 Starr Street
Unit #B/C
Phoenixville, PA 19460
Eligibility: No limitations or restrictions
Hours: Store Hours: Wednesday through Saturday, 10:00am to 6:00pm Donation
Center Hours: Wednesday through Saturday, 10:00am to 4:30pm
Habitat for Humanity of Chester County
Home Ownership Information
Works in partnership with volunteers, donors, and the entire Chester County community to build simple, decent, affordable homes for low-income families. Habitat homes are not free; currently, we offer two different homeownership opportunities that each require applicants to help build their homes.
1220 Valley Forge Road
Suite 16
Phoenixville, PA 19460
Eligibility: Residents of Chester County with low income.
Hours: Monday through Friday, 8:30am to 4:30pm
Housing Association and Development Corporation
Allentown - Homebuying Assistance
Reserves new and renovated homes for sale to people in the low to moderate income range as defined by HUD. Homebuyer counseling is also available.
513-515 Chew Street
Allentown, PA 18102
Eligibility: Low to moderate income households
Hours: Monday through Thursday, 10:00am to 4:00pm
Alliance for Building Communities
First Time Homebuyer
Provides individualized training in maintenance, budgeting and upkeep of properties as well as first time home buyer housing counseling.
532 Walnut Street
Allentown, PA 18101
Eligibility: Residents of: Berks, Carbon, Lehigh, Monroe, Northampton, Schuylkill;
First time home buyers who meet income guidelines
Hours: Monday through Friday, 7:30am to 4:30pm
Community Action Committee of the Lehigh Valley
Community Action Financial Services

- Homeowners' Emergency Mortgage Assistance Program: Provide assistance to homeowners at risk of losing their home to sheriff’s sale
- Home Ownership Counseling Program: Provides seminars for first time homebuyers. Certificate presented at completion to help acquire lower interest loans. Call for schedule: held 7 times per year. Offered at various locations in both counties.
1337 East Fifth Street
Bethlehem, PA 18015
Eligibility: Low-income persons who could benefit from financial services
Hours: Monday through Friday, 8:00am to 4:00pm
Community Action Agency of Delaware County (CAADC)
Home Ownership Program
Allows low- and middle-income persons to buy a home of their own. CAADC first buys and renovates the home. All homes in the program are completely rehabilitated and meet or exceed local codes. In most cases, the homes have all new plumbing, heating and electrical systems as well as new kitchens, baths, flooring, windows and more. The homes are then sold to income-eligible families. Sale prices range from $100,000 to $150,000.
1414 Meeting House
Boothwyn, PA 19061
Eligibility: Income eligibility guidelines apply.
Hours: Administrative Hours: Monday through Friday, 8:00am to 3:00pm
Fair Housing Council of the Capital Region
Fair Housing Council
Provides information on tenant and landlord disputes. Offers first time homeowner classes and credit counseling.
2100 North 6th Street
Harrisburg, PA 17110
Eligibility: No limitations or restrictions
Hours: Monday through Friday, 9:00am to 4:00pm
Tri County Community Action
Harrisburg - Administrative Office
Offering a comprehensive approach to individual, family, and neighborhood success, Tri County Community Action provides a myriad of programming and initiatives around early childhood and family development; employment, education and financial empowerment; housing security; and community development - all in an effort to create strong families and thriving communities.
1514 Derry Street
Harrisburg, PA 17104
Eligibility: Call for information
Hours: Monday through Friday, 9:00am to 5:00pm
BASE, Inc
BASE, Inc. - Housing Counseling
Provides housing counseling including:
- pre-purchase group counseling
- default and delinquency counseling
- foreclosure prevention counseling
447 South Prince Street
Lancaster, PA 17603
Eligibility: No limitations or restrictions
Hours: Appointments dependent on counselors' schedule
Spanish American Civic Association
SACA - Lime - SACA Development Corporation
Provides affordable rental and owner occupied housing and promotes neighborhood revitalization for low and moderate income families in Lancaster County. Additionally, assistance is provided with mortgage application, credit report updates, inspection of property to determine potential problems or needs. Classes are held to teach the home buying process and requirements which include Spanish speaking instruction.
453 South Lime Street
Suite C
Lancaster, PA 17602
Eligibility: No limitations
Hours: Monday through Friday, 8:30am to 5:00pm
Pennsylvania Interfaith Community Programs, Adams County Housing Authority, Turning Point Interfaith Mission
Gettysburg - Home Ownership
Offers homeownership counseling, which is often mandated by banks and lenders. Also provides assistance with applying for low-interest loans through USDA.
40 East High Street
Gettysburg, PA 17325
Eligibility: Residents of Adams County
Hours: Monday through Thursday, 8:00am to 4:30pm; Friday, 8:00am to 2:00pm
Community Progress Council
Housing and Financial Counseling
Provides rental, housing, and financial counseling. Works with individuals to help them meet their financial goals whether it's securing an affordable rental, purchasing their first home, or building savings.
226 East College Avenue
York, PA 17403
Eligibility: No limitations or restrictions
Hours: Monday through Friday, 8:30am to 5:00pm
Pennsylvania American Legion
Pennsylvania American Legion - District 29 - Veteran Membership Organization
Focusing on service to veterans, service members and communities. Programs for Family, Youth, Community and National Affairs. Help with VA claims, assistance in finding employment, support for current members of the military, and financial advice.
120 West 4th Street
Waterford, PA 16441
Eligibility: Served honorably during any eligible war eras or are on active duty
today, serving honorably.
Hours: Call for more information.
Philadelphia Senior Centers
Philadelphia Senior Center on the Avenue of the Arts & PSC-Coffee Cup - Housing Counseling
Services are available to assist with house repairs, relocation, eviction, landlord/tenant issues, applications and more. Also, available to help people of any age apply for Homeowners Emergency Mortgage Assistance Program. Program assists people in securing low interest and safe loans to help with back mortgage.
509 South Broad Street
Philadelphia, PA 19147
Pennsylvania Housing Finance Agency
Homebuyer Counseling
As of February 1, 2023, PAHAF has temporarily paused accepting new application. Offers counseling and education programs through approved counseling agencies.
Eligibility: Residents borrowers that are considering a PHFA loan product and have a
FICO credit score lower than 660 are required to complete a course
prior to closing on their loan. PHFA strongly encourages first-time
borrowers to consider enrolling in homebuyer counseling.
Hours: Call for information
Chester Community Improvement Project
Chester - Pre-Purchase Mortgage Counseling
Provides pre-purchase mortgage counseling to first time low to moderate-income individuals interested in purchasing a property in the City of Chester or Delaware County. Prepares applicants to secure appropriate mortgage financing and assume the responsibilities associated with home ownership.
23 East Fifth Street, Second Floor
Chester, PA 19013
Eligibility: * First time homebuyers

* Low to moderate income
Hours: Monday through Friday, 8:00am to 4:00pm
Clarifi
Philadelphia - Financial Counseling
Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.
1635 Market Street, 5th Floor
Philadelphia, PA 19103
Eligibility: Clarifi services are open to all in the 5 SEPA counties regardless of
income.
Hours: Monday through Friday, 8:00am to 6:00pm
Clarifi
Jenkintown - Financial Counseling
Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.
101 Greenwood Avenue, Suite 340
Jenkintown, PA 19046
Eligibility: Clarifi services are open to all in the 5 SEPA counties regardless of
income.
Hours: Monday through Friday, 8:00am to 6:00pm
Clarifi
Upper Darby - Financial Counseling
Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.
8600 Wes Chester Pike, Suite 207
Upper Darby, PA 19082
Eligibility: Clarifi services are open to all in the 5 SEPA counties regardless of
income.
Hours: Monday through Friday, 8:00am to 6:00pm
Clarifi
VAUX - Financial Counseling
Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.
2300 Master Street, Office 105
Philadelphia, PA 19121
Eligibility: Clarifi services are open to all in the 5 SEPA counties regardless of
income.
Hours: Monday through Friday, 8:00am to 6:00pm
Bucks County Housing Group
Bucks County Housing Group - Bucks; Warminster - Bucks County Housing Group - First Time Homebuyer Counseling
Provides free counseling for a variety of First Time Homebuyer Programs.
626 Jacksonville Road
Warminster, PA 18974
Eligibility: Bucks County residents who are first time home buyers.
Hours: Monday through Friday, 9:00am to 5:00pm
Greater Philadelphia Community Alliance
Houston Center - Housing Counseling
Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.
2029 South Eighth Street
Philadelphia, PA 19148
Eligibility: Current homeowners and renters who are behind on their payments or in danger of losing their residence, and prospective home buyers.
Hours: Services are available by appointment only.

Business hours: Monday through Friday, 9:00am to 5:00pm
Greater Philadelphia Community Alliance
Pennsport Office - Housing Counseling
Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.
241 McClellan Street
Philadelphia, PA 19148
Eligibility: Current homeowners and renters who are behind on their payments or in danger of losing their residence, and prospective home buyers.
Hours: Services are available by appointment only.

Business hours: Monday through Friday, 9:00am to 5:00pm
Greater Philadelphia Community Alliance
Headquarters - Housing Counseling
Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.
1529 South 22nd Street
Philadelphia, PA 19146
Eligibility: Current homeowners and renters who are behind on their payments or in danger of losing their residence, and prospective home buyers.
Hours: Services are available by appointment only.

Business hours: Monday through Friday, 9:00am to 5:00pm
Greater Philadelphia Community Alliance
Dixon House - Housing Counseling
Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.
1920 South 20th Street
Philadelphia, PA 19145
Eligibility: Current homeowners and renters who are behind on their payments or in danger of losing their residence, and prospective home buyers.
Hours: Services are available by appointment only.

Business hours: Monday through Friday, 9:00am to 5:00pm
Harrisburg Center Peace and Justice
Housing and Rental Counseling
Provides credit, budget, and housing counseling. Assists with tenant/landlord problems and fair housing problems.
315 Peffer Street
Harrisburg, PA 17102
Eligibility: No limitations or restrictions
Hours: Monday through Friday, Call for details
Philadelphia Unemployment Project
Philadelphia - Unemployment Information Center
Helps people who lost their jobs to save their homes. Provides housing counseling services such as resolving mortgage delinquency and preventing foreclosure within the City’s Mortgage Foreclosure Diversion Program, representing homeowners in appeals when they are denied assistance through the Homeowners Emergency Mortgage Assistance Program, and providing real estate tax delinquency counseling to avoid tax foreclosure. Also provides rental and eviction prevention counseling.
112 North Broad Street
11th Floor
Philadelphia, PA 19102
Eligibility: Homeowners and renters residing in Philadelphia County
Hours: Monday through Friday, 9:00am to 5:00pm
Neighborhood Housing Services of Greater Berks, Inc.
Reading - First Time Home Ownership
Provides home ownership counseling and closing cost sssistance loan program; also provides first time home buyer down payment assistance.
213 North Fifth Street
Suite 1030
Reading, PA 19601
Eligibility: Eligible low-moderate income families to purchase a home in Berks County,
including the City of Reading.
Hours: Monday through Friday, 8:00am to 5:00pm
Congreso de Latinos Unidos
Congreso Headquarters - Housing Counseling & Financial Literacy
Assists clients in determining affordability and sustainability for housing through educational workshops, budget counseling, credit counseling, pre-purchase counseling, foreclosure counseling, and linkage to community resources. Financial assistance with back rent, moving cost, and foreclosure prevention is available based on ELIGIBILITY AND AVAILABILITY OF FUNDING.
216 West Somerset Street
Philadelphia, PA 19133
Eligibility: For Financial Assistance: Must meet income requirements For Counseling:
No limitations or restrictions
Hours: Monday through Thursday, 9:00am to 1:00pm
Hispanic Association of Contractors and Enterprises
Philadelphia - Housing Counseling
Provides housing counseling services as a supportive base for tenants and homeowners of HAVE's housing development projects.
167 West Allegheny Avenue
Suite 200
Philadelphia, PA 19140
Eligibility: Residents of Eastern North Philadelphia
Hours: Monday through Friday, 9:00am to 5:00pm
Housing Partnership of Chester County
Downingtown - First Time Home Buyers (FTHB) Program
Assists low and moderate income individuals and families interested in purchasing a first home within Chester County. Provides pre-purchase home ownership counseling and a loan for down payment and closing costs to first time buyers.
41 West Lancaster Avenue
Downingtown, PA 19335
Eligibility: Applicants:

1) Must be 18 years of age or older.

2) Have a total gross household income at or below 80% of the median income, adjusted for household size.

3) Intend to occupy the property being purchased as a primary residence.

4) Be able to secure a 30 year, fixed rate mortgage from a local lending institution.

5) Not have owned a home in the last 3 years or be a displaced homemaker.

6) Must be purchasing a home in Chester County.
Hours: Monday through Friday, 9:00am to 5:00pm
Center for Family Services
Meadville - Homebuyer's Education
Homebuying advice, including, review of income, expenses and credit, explanation of the home buying process, including dealing with a realtor, what to expect from the lender, appraisal, home inspection, homeowner's insurance, escrow.

Provide education on predatory lending practices, One on One counseling (lasts 2 hours), First Time Homebuyer Workshops (six hour class), local experts present on relevant topics.

Participants in both the One on One counseling and Workshops receive a certificate.
213 West Center Street
Meadville, PA 16335
Eligibility: First Time Homebuyers
Hours: Monday through Friday, 8:00am to 4:00pm
Trehab Community Action Agency
Montrose - Homeownership Programs
Provides homebuyer pre-screening, along with a series of intensive workshops to instruct consumers in all aspects of purchasing a home and being a successful homeowner.
36 Public Avenue
Montrose, PA 18801
Eligibility: No limitations or restrictions
Hours: Monday through Friday, 7:30am to 3:30pm
Habitat for Humanity Wyoming Valley
Kingston - Habitat for Humanity
Offers to build homes for families in need. Volunteer labor and charitable gifts ensure our homes are affordable to low income families. Family members have sweat equity by assisting with volunteer labor.
6303 Market Street
Kingston, PA 18704
Eligibility: Low income
Hours: Irregular - call for details
Habitat for Humanity of Montgomery and Delaware Counties
Norristown - Financial Empowerment Program
Offers a 6-week long program of virtual classes that provides meaningful guidance and feedback on smart financial repair, growth and success. The focus of the first 3 weeks is financial literacy training, and the second 3 weeks focuses on preparing for home purchase. Offered spring, fall, and winter every year. Provides individualized support through trained Volunteer Financial Coaches.
533 Foundry Road
Norristown, PA 19403
Eligibility: No limitations or restrictions
Hours: Program hours may vary; contact for details.
Advantage Credit Counseling Services of NEPA
Pittston - Housing Counseling
Provides individual counseling sessions are offered to prepare potential homeowners for buying first home.
401 Laurel Street
Pittston, PA 18640
Hours: Monday through Friday, 8:30am to 4:30pm Counseling appointments flexible
hours as scheduled, Saturday hours available.
Advantage Credit Counseling Services of NEPA
Pittston - Remote Housing Counseling
Remote sessions take about 90 minutes to complete while the traditional face-to-face sessions can take over 2-3 hours.
Counselors are certified by PHFA and NeighborWorks. Participants needs to have a Smartphone, tablet, laptop, or desktop computer and a device that has a web camera so that the counselor can clearly see you during the session.
401 Laurel Street
Pittston, PA 18640
Hours: Monday through Friday, 8:30am to 4:30pm Counseling appointments flexible
hours as scheduled, Saturday hours available.
Schuylkill Community Action
Pottsville - Budgeting and Counseling
Buying a home, purchasing a good car, starting a business and many other long-term life goals often require a close look at credit history. Budget center counselors can help families and individuals budget to save for those big goals, and help repair credit and repay debts as necessary.
225 North Center Street
Pottsville, PA 17901
Eligibility: Open to all
Hours: Monday through Friday, 8:00am to 4:00pm
Christian Churches United
HELP Ministries - Rental Assistance Program (RAP)
Provides move-in assistance, security deposits, and/or first month's rent for those who are homeless.
413 South 19th Street
Harrisburg, PA 17104
Eligibility: Homeless or facing eviction
Hours: Office Hours: Monday through Friday, 8:30am to 4:30pm
Walk-in hours: Monday through Friday, 8:30am to 11:00am; Monday, Tuesday, Thursday, and Friday, 1:00pm to 3:00pm
Tenfold
Tenfold (formerly LHOP - Lancaster Housing Opportunity Partnership) - Homebuyer Initiative Lancaster
**NOTES**
Office is closed but they can be reached by phone or email until furher notice.

Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Classes are offered in both English and Spanish. Visit their website or call for a schedule.
The classes include the following topics:
- Making the home purchase decision
- Your credit report and what it means
- What lenders expect from borrowers
- Understanding real estate terms
- Roles of the real estate agent
- Finding a home you can afford
- Financial planning and money management
- Maintaining your new home
- Predatory lending

Eligible participants may also qualify for a Home Buyer Loan for closing costs:
- CHB Loans at 0% interest with no monthly payments
- Repayment is due on sale or refinancing of the home or if the home is no longer the buyer's primary residence
- Funds are subject to availability
- Program requirements are
308 East King Street
Lancaster, PA 17602
Eligibility: First-time homebuyer education classes are open to anyone interested in
learning about the homebuying process; must meet eligibility
requirements for down payment and closing cost assistance.
Hours: Office: Monday through Friday, 8:30am to 4:30pm
Tenfold
Tenfold (formerly LHOP - York Housing Opportunity Center) - Homebuyer Assistance Program York
Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Classes are offered in both English and Spanish. Visit their website or call for a schedule.
The classes include the following topics:
- Anti-Predatory Lending and Foreclosure Prevention
- Fair Housing/Fair Lending
- What is home inspection
- Understanding Home Insurance
- Making the home purchase decision
- Your credit report and what it means
- What lenders expect from borrowers
- Understanding real estate terms
- Roles of the real estate agent
- Finding a home you can afford
- Financial planning and money management
- Maintaining your new home


Additional Information
Click here for Eligibility Requirements
Click here for Borrower and Lender Form
116 North George Street
York, PA 17401
Eligibility: Classes are open to anyone interested in learning about the home buying
process; Must meet eligibility requirements for loan program and funds
are subject to availability
Hours: Office: Monday through Friday, 8:30am to 4:30pm
Tenfold
Tenfold (formerly LHOP - York Housing Opportunity Center) - Homebuyer Initiative York
**NOTES**
Office is closed but they can be reached by phone or email until furher notice.

Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Classes are offered in both English and Spanish. Visit their website or call for a schedule.
The classes include the following topics:
- Making the home purchase decision
- Your credit report and what it means
- What lenders expect from borrowers
- Understanding real estate terms
- Roles of the real estate agent
- Finding a home you can afford
- Financial planning and money management
- Maintaining your new home
- Predatory lending

Eligible participants may also qualify for a Home Buyer Loan for closing costs:
- CHB Loans at 0% interest with no monthly payments
- Repayment is due on sale or refinancing of the home or if the home is no longer the buyer's primary residence
- Funds are subject to availability
- Program requirements are
116 North George Street
York, PA 17401
Eligibility: First-time homebuyer education classes are open to anyone interested in
learning about the homebuying process; must meet eligibility
requirements for down payment and closing cost assistance.
Hours: Office: Monday through Friday, 8:30am to 4:30pm
Tenfold
Tenfold (formally Tabor Community Services) - Homebuyer Counseling
Homebuyer Counseling can help:
- Understand the home-buying process, lender requirements and mortgage loan products
- Assess readiness to buy a home, including a credit and budget review
- Develop a personal homebuyers plan, with periodic progress review
- Review and prepare for closing-understand the terms and process

Counselors are NeighborWorks Center for Homeownership Educational and Counseling (NCHEC) certified
308 East King Street
Lancaster, PA 17602
Eligibility: Open to the public, no eligibility requirements
Hours: Monday through Friday, 8:30am to 4:30pm
Luzerne County Government
Luzerne County Office of Community Development - Community Development
The Community Development office has three programs to assist homeowners.
* Emergency Home Rehabilitation Program provides assistance to
eligible homeowners in situations that create unexpected and
immediate danger to the health and well being of the
occupants
of the home.
The Growing Home Owner's Initiative is a matched savings and
education initiative to help individuals and families turn
the dream of purchasing a home into a reality.
The Luzerne County's Homeownership Program is to create
affordable home buyer opportunities for low to moderate income persons.
54 West Union Street
Wilkes-Barre, PA 18701
Hours: Monday through Friday; 8:30am to 4:30pm
Blair County Community Action Program
Altoona - Housing Counseling Program
Provides assistance for people who want to purchase a home by offering information and advice about affordable housing that meets their needs, solving potential credit problems, etc.
2301 Beale Avenue
Altoona, PA 16602
Eligibility: Potential homebuyers
Hours: Monday through Friday, 8:00am to 4:00pm
Housing Opportunities of Beaver County
New Castle - Housing Counseling
Housing Opportunities of Beaver County
Beaver - Housing Counseling
Mon Valley Initiative
MVI - Mid-Mon Office - Housing Counseling Program
Mon Valley Initiative
MVI Main Office, Homestead - Housing Counseling Program
NeighborWorks Western PA
Pittsburgh - Credit Counseling
Open Hand Ministries
Main Office, East Liberty - Financial Counseling and Affordable Home Ownership
Urban League of Greater Pittsburgh
ULPgh Main Office - Operation Home
Urban Redevelopment Authority of Pittsburgh
Pittsburgh - Down Payment and Closing Cost Assistance Program
Pittsburgh Hispanic Development Corporation
Pittsburgh - Hispanic Corporation
Advantage Credit Counseling Service
Altoona - Housing Counseling Services
Advantage Credit Counseling Service
Greensburg - Housing Counseling Services
Advantage Credit Counseling Service
Harrisburg (Lemoyne) - Housing Counseling Services
Advantage Credit Counseling Service
ACC Headquarters, Pittsburgh - Housing Counseling Services
Community Development Program of Beaver County
Beaver Falls - Community and Housing Development
Greene County Human Services
Housing Program
Redevelopment Authority of the County of Washington
Countywide Homebuyer Assistance Program
Housing and Redevelopment Authority of Butler County
Butler County Homeownership Program
Indiana County Community Action Program
Administrative Headquarters - Housing Counseling
Indiana County Office of Planning and Development
Indiana - Fair Housing
Redevelopment Authority of the County of Fayette
Uniontown - Homebuyer Redevelopment Program Counseling
Threshold Housing Development
Uniontown - Homebuyer/Home Purchase Counseling
United Way of Lawrence County
New Castle - Homebuyers Classes
Washington County Government
Washington County Human Services Department - Homeless Services and Housing Assistance Programs
Blueprints
Washington - Homeownership Center
Blueprints
Waynesburg - Homeownership Center
Community Action Partnership of Mercer County
Community Action Partnership of Mercer County - Housing - Housing Counseling
Fayette County Community Action Agency
Fayette County Community Action Agency - Housing Assistance - Housing Counseling
Affordable Housing Centers of Pennsylvania
Affordable Housing Centers of Pennsylvania - Francisville - Affordable Housing Centers of Pennsylvania - First Time Homebuyer Program - Francisville
Franklin County Housing Authority
Family Self Suffiency and Home Ownership Program
Mothers Against Drunk Driving (MADD) - Southeastern Pennsylvania Affiliate
Bridgeport - Victim Advocacy
Philadelphia Housing Authority
Philadelphia - Housing Counseling Services
Philadelphia Housing Authority
Philadelphia - Housing Choice Homeownership Program
Ceiba
Philadelphia - Ceiba - Housing Counseling - Philadelphia; Kensington
Ceiba
Philadelphia - Ceiba - IDA Program - Philadelphia; Kensington
Cumberland County Housing and Redevelopment Authorities
Home Buyer Workshops
Credit Counseling Center
Richboro - Mortgage Assistance
Credit Counseling Center
Levittown - Mortgage Assistance
Liberty Resources
Philadelphia - Housing Counseling
Pennsylvania Department of Human Services - NEPA Counties
Bradford County Assistance Office - Emergency Shelter Allowance (ESA)
Housing Development Corporation
Wilkes Barre - Homebuyers Counseling
Northwest Counseling Services
Philadelphia - Real Estate and Housing Counseling
Bucks County Opportunity Council
Central Bucks County - Doylestown - Housing Services
Bucks County Opportunity Council
Central Bucks County - Warminster - Housing Services
Bucks County Opportunity Council
Upper Bucks County - Housing Services
Bucks County Opportunity Council
Lower Bucks County - Bristol - Housing Services
Intercultural Family Services
University City - Housing Counseling Program
Norris Square Community Alliance
Philadelphia - Housing Counseling
New Kensington Community Development Corporation
Philadelphia - Housing Counseling
Intercommunity Action
Journey's Way - Housing Counseling Services at Journey's Way
Urban League of Philadelphia
Philadelphia - Housing Counseling
Cradle of Hope
Cradle Pregnancy Resource Center
Southwest Community Development Corporation
Philadelphia - Housing Counseling
PATH
Philadelphia - Russian Outpatient Program
South of South Neighborhood Association
Philadelphia - Housing Counseling
Center in the Park
Philadelphia - Housing Counselor
Philadelphia Chinatown Development Corporation
Crane Community Center - Housing Counseling
Mount Airy CDC
Mount Airy - Housing Counseling
United Neighborhood Centers of NEPA
Community Services Offices - Counseling, Education and Long Term Support
Penn State Cooperative Extension - Lycoming County
Montoursville - Educational Services
Genesis Housing Corporation
Genesis Housing Corporation - Montgomery; Norristown - Housing Counseling Program
Genesis Housing Corporation
Genesis Housing Corporation - Montgomery; Norristown - Homeowner Rehab Program
Habitat for Humanity of Chester County
Coatesville ReStore - ReStore - Coatesville
Habitat for Humanity of Chester County
Phoenixville ReStore - ReStore - Phoenixville
Habitat for Humanity of Chester County
Home Ownership Information
Housing Association and Development Corporation
Allentown - Homebuying Assistance
Alliance for Building Communities
First Time Homebuyer
Community Action Committee of the Lehigh Valley
Community Action Financial Services
Community Action Agency of Delaware County (CAADC)
Home Ownership Program
Fair Housing Council of the Capital Region
Fair Housing Council
Tri County Community Action
Harrisburg - Administrative Office
BASE, Inc
BASE, Inc. - Housing Counseling
Spanish American Civic Association
SACA - Lime - SACA Development Corporation
Pennsylvania Interfaith Community Programs, Adams County Housing Authority, Turning Point Interfaith Mission
Gettysburg - Home Ownership
Community Progress Council
Housing and Financial Counseling
Pennsylvania American Legion
Pennsylvania American Legion - District 29 - Veteran Membership Organization
Philadelphia Senior Centers
Philadelphia Senior Center on the Avenue of the Arts & PSC-Coffee Cup - Housing Counseling
Chester Community Improvement Project
Chester - Pre-Purchase Mortgage Counseling
Clarifi
Philadelphia - Financial Counseling
Clarifi
Jenkintown - Financial Counseling
Clarifi
Upper Darby - Financial Counseling
Clarifi
VAUX - Financial Counseling
Bucks County Housing Group
Bucks County Housing Group - Bucks; Warminster - Bucks County Housing Group - First Time Homebuyer Counseling
Greater Philadelphia Community Alliance
Houston Center - Housing Counseling
Greater Philadelphia Community Alliance
Pennsport Office - Housing Counseling
Greater Philadelphia Community Alliance
Headquarters - Housing Counseling
Greater Philadelphia Community Alliance
Dixon House - Housing Counseling
Harrisburg Center Peace and Justice
Housing and Rental Counseling
Philadelphia Unemployment Project
Philadelphia - Unemployment Information Center
Neighborhood Housing Services of Greater Berks, Inc.
Reading - First Time Home Ownership
Congreso de Latinos Unidos
Congreso Headquarters - Housing Counseling & Financial Literacy
Hispanic Association of Contractors and Enterprises
Philadelphia - Housing Counseling
Housing Partnership of Chester County
Downingtown - First Time Home Buyers (FTHB) Program
Center for Family Services
Meadville - Homebuyer's Education
Trehab Community Action Agency
Montrose - Homeownership Programs
Habitat for Humanity Wyoming Valley
Kingston - Habitat for Humanity
Habitat for Humanity of Montgomery and Delaware Counties
Norristown - Financial Empowerment Program
Advantage Credit Counseling Services of NEPA
Pittston - Housing Counseling
Advantage Credit Counseling Services of NEPA
Pittston - Remote Housing Counseling
Schuylkill Community Action
Pottsville - Budgeting and Counseling
Christian Churches United
HELP Ministries - Rental Assistance Program (RAP)
Tenfold
Tenfold (formerly LHOP - Lancaster Housing Opportunity Partnership) - Homebuyer Initiative Lancaster
Tenfold
Tenfold (formerly LHOP - York Housing Opportunity Center) - Homebuyer Assistance Program York
Tenfold
Tenfold (formerly LHOP - York Housing Opportunity Center) - Homebuyer Initiative York
Tenfold
Tenfold (formally Tabor Community Services) - Homebuyer Counseling
Luzerne County Government
Luzerne County Office of Community Development - Community Development
Blair County Community Action Program
Altoona - Housing Counseling Program
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