Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

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.

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

Provide 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.

Offers single moms experiencing homelessness or at risk of being homeless the opportunity to get permanent housing and establish family and financial stability over a period of 12-15 months.

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 housing services for older adults and families. Advice and information on housing related subjects from home repair to predatory lending, mortgage foreclosure and reverse mortgages is also available.

Provides pre-purchase mortgage counseling to first time low to moderate-income individuals interested in purchasing a property in the City of Chester and 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.

The 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 - $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

Provides emergency furnace repair or replacement, emergency hot water heaters, chair glides and more.

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.

The Housing Counseling and Financial Literacy Program assist individuals to secure decent, safe, and sanitary housing via advocacy, counseling, workshops, and education.

This program provides: First time homebuyer counseling,  homebuyer workshops (offered the last Tuesday of every month, mortgage delinquency counseling, homeowner services counseling, tenant & landlord counseling.  Rental/Delinquency counseling

Congreso provides homeownership counseling to assist community members through the process of purchasing a home, including financial planning, finding a house to purchase, acquiring a favorable mortgage and running credit reports.

Congreso’s Homeownership Workshop helps potential first-time homebuyers through the complex preparations of purchasing a home and helps participants understand the home purchasing process.

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

Mortgage counseling, foreclosure counseling, mortgage assistance ( alternatives to foreclosure).

Mortgage counseling, foreclosure counseling and mortgage assistance ( alternatives to foreclosure).

Mortgage Assistance program reviews your current financial situation. We will negotiate with your lender to stop foreclosure and help you maintain your home. We will help you apply for mortgage repayment and or assist with foreclosure prevention. We work with Bucks County mediation program to stop 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 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 Habitat.

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.

Wyoming Valley Habitat for Humanity is a non-profit organization that builds simple, decent homes to sell to families in need. We use volunteer labor and charitable gifts to ensure our homes are affordable to low income families in Wyoming Valley.
Families who purchase Habitat homes invest at least 300 hours of sweat equity volunteer labor. Ideally, they work on their own homes by building walls, painting, installing windows or other work related to their skill levels. Many community members also volunteer their time. Some are skilled professionals, many are not. By keeping labor costs down, Habitat is able to keep selling costs low.

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.

For nearly a decade, HACE has provided professional housing counseling services to residents of Eastern North Philadelphia. The program serves as a supportive base for families requiring these services, and furthermore, as an organizational core program in working with tenants and homeowners of HACE's housing development projects. Our mission is to provide counseling assistance to the at-large community and to our residents and tenants towards achieving the goal of homeownership while providing employment opportunities as part of our economic development activities.
The services provided through HACE' Housing Counseling Program include:
* Homebuyers Counseling
* Mortgage Default and Delinquency
* Tenant Counseling
* Housing Consumer Education

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.

New and renovated homes are reserved for sale to people in the low to moderate income range as defined by HUD. Homebuyer counseling is available.

Provides free home buyers counseling and closing cost assistance.

Provides:

- Counseling for housing discrimination victims on their rights protected under fair housing laws
- Information for consumers, nonprofits, and communities on how to recognize and report violations
- Testing investigation services for housing discrimination victims
- Information on legal options and assistance in navigating the legal process
- Random testing to ensure regional compliance with fair housing laws
- Technical assistance to prevent discrimination before it occurs
- Comprehensive and individually tailored education programs provided on site, online or at FHCSP's training facility in Fort Washington for private landlords, property managers, real estate professionals, consumers, homeowners' associations, housing authority staff, CDBG funded nonprofits, local government, social service agencies, etc.

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.

The HPCC's First Time Home Buyer Program is intended to assist low and moderate income individuals and families interested in purchasing a first home within Chester County.

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. Lead based paint is also addressed in this program.

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

Credit Counseling provides, free of charge, counseling to individuals who want to improve their credit worthiness. Individual counseling sessions and group workshops are available.

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 persons 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.

This program is geared toward first-time home buyers. It is designed to educate prospective home buyers in the process leading to home ownership and the responsibilities thereafter. The program counselor also reviews the various mortgage products available with each client and what information and documents they need to have to qualify. Those who complete the program are referred to a lender for a mortgage.

Provides housing counseling services to first-time, low and moderate-income homebuyers.

Home ownership counseling, low-interest financing

Distributes program information and administers the Home Ownership Outreach Program (HOOP) in the City of Allentown, City of Bethlehem, City of Easton, Lehigh County and Northampton County. Staff qualifies applicants for this homebuyer mortgage program and assists them in obtaining first mortgages from lending institutions. Facilitates and originates second mortgages to assist with down payment and closing costs.

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.

Housing counseling

Provides real estate and housing counseling services.
Provides expert advice and quality services in the areas of pre and post purchase, pre and post rental, mortgage default/delinquency/foreclosure, ant-predatory lending, rental default, reverse mortgage counseling/certification and housing consumer education.

Provides low/moderate income, disadvantaged families with financial health program that supports the opportunity for affordable homeownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Progam members are then matched with mortgage programs and supported through the process of repairing credit, buying a home, home ownership, and transition to a new neighborhood. Partners with local construction companies to rehabilitate vacant properties and provide on-going home maintenance training to clients. 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.

Offers counseling and education programs through approved counseling agencies.

We offer homeownership counseling, which is often mandated by your bank or lender. We can help you apply for low interest loans through USDA.

One-on-one rental, pre-purchase, and post-purchase counseling, and group workshops covering topics including, but not limited to: home insurance, property tax assistance, weatherization, affordable senior housing, home purchase, fair housing, and home maintenance.
PCDC offers a free full course to earn a first-time home buyer certificate.

Services include:

- Prepare for Home Purchase
- Avoid Foreclosures
- Resolve Renter Issues
- Gain access to special programs for renters, homeowners and homebuyers.

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.

The Pittsburgh Hispanic Development Corporation (PHDC) is a community development corporation that focusesxon racial equity in the Pittsburgh metropolitan area. 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). Homebuyer Assistance for 1st time homebuyers in the City of Erie. Commercial facade improvement programs (in limited areas of the City of Erie). Adopt-a-Lot Program to allow residents, businesses, and neighborhood groups to care for and utilize vacant lots in their neighborhood (ideal for gardening, creating an impromptu pocket park, planting flower beds, etc.).

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

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.

Educates consumers on topics including:
Advantages and Disadvantages of Homeownership, Affordability, Budget Planning and Sustainability, Mortgage Qualification
, Beginning the Purchase Process
, Loan Application Process
, Closing the Real Estate Transaction
, Taking Possession of the Home , Home Repair & Maintenance
, Anti-Predatory Lending Practices
, 1st Time Homebuyer Programs.

Educates homebuyers on topics relating to closing on a property.

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.

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.

**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:
- 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.

Develops and 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.

Offers the following services: budgeting, home ownership, parenting, and financial literacy education, to in-depth and wrap-around services such as early learning, child and youth development, long-term case management, and neighborhood planning and revitalization.

Offers pre-purchase and post-purchase workshops and counseling, including counseling for first time home-buyers and foreclosure intervention.

Universal Companies is community-based and non-profit organization and congruent with its fundamental mission, it created the Universal Housing Counseling Program (UHCP) to provide direct and free of charge services to the low and moderate income people. Since its inception, UHCP has been providing concrete and helpful services to first-time home buyers, existing home owners, tenants and renters in the areas of housing, finance, credit, budgeting and savings.

UHCP is equipped with highly professional, certified, knowledgeable and competent counselors and is capable of providing high-quality services. Program participants are encouraged to become home owners, be financially smart, maintain their homes, avoid foreclosure, own decent credit scores, be budget oriented and be wealth builders.

UHCP holds group and individual sessions that focus on housing consumer education, especially for the first time home buyer issues, credit repair and improvement, post –purchase counseling, budgeting, and saving plans. Through this program, we have assisted hundreds of existing home owners to avoid foreclosure and potential homeowners to understand the nature of predatory lending practices. The goal of UHCP workshops is to empower participants with knowledge and resources.

UHCP provides mortgage loan counseling and helps clients obtain affordable mortgages through our PHFA-approved lending partnership. We also assist clients with receiving down payment and closing cost loans, grants and assistance.

UHCP understands the home-buying process may seem overwhelming and intimidating too many low- and moderate income people and because of this inherent problem, UHCP tries to ease the difficulty through direct and face-to-face counseling from the counseling starting point to the finality of home buying.

UHCP counselors make the home buying process more accessible to the first time home buyers. Instead of having to coldly approach mortgage lenders, potential home buyers can meet our counselors in our office to go through the pre-qualification process. Participants with credit problems learn ways to resolve them. Participants that do not qualify for a mortgage right away are assisted to become qualified through our structured, consistent, and educational counseling.

Operation HOME is 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.

Assists first time homebuyers as well as people in mortgage default, deliquency, or those facing tax liens learn about their options

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

SSVF provides comprehensive Supportive Services to very low income Veterans and their families who are currently experiencing homelessness or are at risk of losing their homes.

Resources include case management, housing counseling, legal support, credit repair and financial planning services, and time-limited, temporary financial assistance.

Eligible veterans may receive time-limited financial assistance for rent, utilities, and security deposits. SSVF offers short-term case management that links Veterans with resources within the Veterans Administration and the community with the ultimate goal of stabilizing veterans in housing.

Veterans Service Officer (access to VA benefits and entitlements)
Access to emergency food and clothing and other local services
Transportation to and from the Coatesville VA Medical Center
Internet employment application assistance
Training courses such at ServSafe and basic computer skills
Personal/life skill courses such as budgeting (offered by Clarifi)

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.