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.

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.

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.

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.

Provides individual counseling sessions are offered to prepare potential homeowners for buying first home.

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.

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.

Provides free legal services for people with HIV/AIDS who are facing eviction or experiencing difficulty maintaining secure, affordable housing. Training and materials on the housing rights of people living with HIV/AIDS are available for social service and medicaid providers.

Doorway to Homeownership program for first time homebuyers provides individualized training in budgeting, maintenance and upkeep of properties. Participants must attend credit counseling sessions, adhere to a strict monthly budget, deposit monthly payments into an escrow account for closing costs and repay at least $50 per month toward their debt.

Provides housing counseling including:
- pre-purchase counseling
- default and delinquency counseling
- foreclosure prevention counseling

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.

Provides foreclosure prevention services for homeowners in danger of losing their homes.

Provides foreclosure prevention services for homeowners in danger of losing their homes.

Provides free counseling for a variety of First Time Homebuyer Programs.

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.

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.

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.

Provides counseling through information, referrals, and advocacy for individuals and families with a variety of housing assistance, issues, questions, or concerns.

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.

Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

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.

- 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.

Provides housing counseling services to help homeowners avoid foreclosure and other housing issues. Some services include: homebuyer education, credit recovery, and loss mitigation

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).

Provides rental, housing, and financial counseling. Counselors work with individuals to help them meet their financial goals whether it's securing an affordable rental, purchasing their first home or building a savings. Counselors often work with clients to avoid foreclosure, understand their rights as renters, or help them navigate the complex process of becoming a homeowner.

Assists clients in determining affordability and sustainability for housing through educational workshopts, 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.

Housing services provides low income families with opportunities to become homeowners.Financial education and Tenants' rights advocacy is also available.

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

Provides a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.

Provides a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.

Provides homeownership workshop opportunities.

Provides information on tenant and landlord rights. Offers credit counseling for housing consumers, CRA (Community Reinvestment Act) review of financial institutions, and home ownership workshops.

Provides counseling to first time home buyers. Certified Housing and Urban Development Counseling Agency.

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).

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.

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.

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.

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.

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.

Provides compreheneivse housing services to individuals encountering homelessness.

Builds, rehabilitate houses, and sell them. Provides training in home ownership skills. Seeks volunteers for construction, community service, and our ReStore, which supports the mission of agency.

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.

Assists individuals and families across Montgomery and Delaware County become financially stable, through setting goals, learning skills, and changing financial behaviors. Offers a 6-week program that meets virtually, twice a week in the evenings; program is offered several times a year.

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.

Provides credit, budget, and housing counseling. Assists with tenant/landlord problems and fair housing problems.

Participants choose goals in their living, learning, working, and social environments. The focus is on individual functional skill development, enhancement, retention, and transference to real life tasks and settings. Services are provided on an individual and group basis.

Participants choose a specific goal in one of the life domains (living, learning, working, social), this goal then becomes the cornerstone of his or her recovery-focused service. Participants take part in classes, individual practitioner meetings, and community exploration related to his/her recovery goal (a commitment of 5 hours per week). Class sizes are limited to allow for focused work among participants.

Participants choose goals in their living, learning, working, and social environments. The focus is on individual functional skill development, enhancement, retention, and transference to real life tasks and settings. Services are provided on an individual and group basis.

Provides housing counseling services as a supportive base for tenants and homeowners of HAVE's housing development projects.

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.

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.

Provides free home buyers counseling and closing cost assistance.

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.

Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.

Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.

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.

The purpose of this county wide program is to help low to moderate income home owners correct violations of the BOCA Property Maintenance Code, Local and State Codes, and the Section 8 Housing Quality Standards. Violations include, but are not limited to, structural, plumbing, heating, and electrical problems. Also addresses lead based paint reduction.

Handicap accessible modifications are also included in this program. Modifications include, but are not limited to, widened doorways, ramps, and accessible bathrooms and kitchens.

Provides counseling to first time home buyers and low income 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.

Helps with pre- and post-renting, rental delinquency/default, postpurchase counseling, first-time mortgage counseling, anti-predatory lending, and mortgage default and delinquency counseling.

Provides counseling and advocates for individuals with disabilities seeking affordable and accessible housing. Also educates public about housing rights.

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.

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.

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.

Provides housing counseling services.

Provides home ownership counseling and closing cost sssistance loan program; also provides first time home buyer down payment assistance.

Provides homebuyer and homeowner counseling and education, including foreclosure prevention services. All services are available virtually.

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.

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.

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.

Offers a financial health program that supports the opportunity for affordable homeownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Participants are matched with mortgage programs and supported through the process of repairing credit, buying a home, home ownership, and transition to a new neighborhood. Also rehabilitates vacant properties, provides on-going home maintenance training, and sponsors volunteer work days year-round to rehab houses for low-income families.

Serves one-time emergency needs such as nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance, and utilities in arrears assistance.

As of February 1, 2023, PAHAF has temporarily paused accepting new application. Offers counseling and education programs through approved counseling agencies.

Offers homeownership counseling, which is often mandated by banks and lenders. Also provides assistance with applying for low-interest loans through USDA.

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.

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.

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.

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.

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.

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.

Housing rehabilitation assistance for low/moderate income owner-occupied households throughout the City of Erie. Lead Hazard Control program to mitigate hazards associated with lead-based paints is available for income-qualified households throughout Erie County (both owner-occupied and rental properties).

Provides homebuyer counseling services, down payment and closing cost assistance, and a variety of permanent and subordinated mortgage products.

Providing home rehabililtation services for the citizens of Fayette and Greene Counties.

Assists first-time homebuyers in attaining their goal of home ownership by providing financial assistance for the purchase and rehabilitation of eligible housing units.

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.

Provides OHCD (Office of Housing and Community Development) approved 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

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.

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

**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 subject to change with reasonable 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:
- 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 Instructions
Click here for Required Documentation for application

**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 subject to change with reasonable notice.

Provides affordable housing for low income families. Also links residents to community action agencies for housing counseling.

Program 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.

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.

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.

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.

Continues to work with clients past the fulfillment of basic needs, to provide the support necessary to empower 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.

Provides classes designed to help people prepare to buy a 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.

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.

Provides down payment and closing cost assistance up to $7,500 for individuals purchasing their first home in the City of Pittsburgh.

Clients work with staff to learn how to coordinate their resources and expenditures within a family budget. Aims to improve credit score and develop an action plan.

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.