Action Wellness Housing staff offer assistance to clients who are experiencing difficulty finding or maintaining housing. Staff provide 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 Disease, and assistance applying for housing related benefits and entitlements.

Action Wellness Housing staff offer assistance to clients who are experiencing difficulty finding or maintaining housing. Staff provide 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 assistance applying for housing related benefits and entitlements.

Action Wellness Housing staff offer assistance to clients who are experiencing difficulty finding or maintaining housing. Staff provide 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 Disease, and assistance applying for housing related benefits and entitlements.

Action Wellness Housing staff offer assistance to clients who are experiencing difficulty finding or maintaining housing. Staff provide 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 Disease, and assistance applying for housing related benefits and entitlements.

Individual counseling sessions are offered to prepare potential homeowners for the milestone of buying first home. Counselors will conduct a thorough review of income, expenses, credit report and work to resolve any barriers to purchasing first home. Reviews the advantages and disadvantages of homeownership, discusses predatory lending, the mortgage process, and reviews available mortgage products to fit your personal situation.

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.

HUD-approved counseling agency for housing problems including budget counseling; also assist with the completion of Farmer's Home Administration application; foreclosure mitigation; pre-purchase counseling; provides information and referrals to other community agencies and programs.

Housing counselors are available to discuss and enroll clients in individual programs designed to help prevent foreclosures. In partnership with the Pennsylvania Housing Finance Agency, housing counselors provide these services: * Individual Pre-Home Purchase Counseling * Individual Credit & Budget Counseling * Pre-Home Purchase Educational Workshops * Pre-Home Closing Counseling Workshops * Anti-Predatory Lending & Foreclosure Prevention Workshops

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.

CBCC offers several educational programs and classes to help adults reach their educational, training, career and personal goals.

Programs/Services Include:
- GED classes (English and Spanish)
- ESL (English as Second Language)
- Intermediate computer classes
- Computer basics (English and Spanish)
- Homeownership classes
- Financial literacy classes
- Job skills training

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.

The CCIP 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. CCIP's counseling programs prepare applicants to secure appropriate mortgage financing and assume the responsibilities associated with home ownership.

CCIP applicants attend group counseling sessions provided with valuable education regarding budgeting, savings, credit, mortgage financing, fair housing practices, mortgage products, selecting a realtor, avoiding default, home inspections, home maintenance, and settlement.

CCIP applicants also meet with certified mortgage counselors for a "one-on-one." This meeting allows the mortgage counselor to provide specialized attention to each applicant in a private setting. During individual counseling sessions, counselors review the applicants credit report, work history, and income stability. Together, counselor and applicant review initial maximum sales price, estimate down payment and closing costs, establish savings goals, develop a budget, and discuss available lending programs. CCIP will assist the applicant in selecting an appropriate mortgage product and guide the client to settlement.

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

Clarifi's financial counseling services help local people and families to get their financial lives on track. Our staff of certified credit and housing counselors provides a confidential picture of each client's current financial situation, and talks the client through specific action steps to improve, or maintain, financial health. Our counseling programs help local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Clarifi's financial counseling services help local people and families to get their financial lives on track. Our staff of certified credit and housing counselors provides a confidential picture of each client's current financial situation, and talks the client through specific action steps to improve, or maintain, financial health. Our counseling programs help 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.

Credit Counseling
Financial Literacy Training
Homebuyer/Home Purchase Counseling

Clarifi's financial counseling services help local people and families to get their financial lives on track. Our staff of certified credit and housing counselors provide a confidential picture of each client's current financial situation, and talks the client through specific action steps to improve, or maintain, financial health. Our counseling programs help local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Clarifi's financial counseling services help local people and families to get their financial lives on track. Our staff of certified credit and housing counselors provide a confidential picture of each client's current financial situation, and talks the client through specific action steps to improve, or maintain, financial health. Our counseling programs help local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

Clarifi's financial counseling services help local people and families to get their financial lives on track. Our staff of certified credit and housing counselors provides a confidential picture of each client's current financial situation, and talks the client through specific action steps to improve, or maintain, financial health. Our counseling programs help 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.

Manages the Community Development Block Grant (CDBG). Community Development also administers the Emergency Shelter Grant (ESG) and the Home Investment Partnership Program (HOME) which are designed to assist homeless and near-homeless individuals and to provide affordable housing for low-income persons respectively.

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

Rental Counseling

• Housing Counseling
  
• Financial Counseling
  
  Counselors work with individuals of all income levels 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).

Credit Counseling Center is celebrating its 25th year of financial services to the community. Established in 1994, Credit Counseling Center has helped over 50,000 people establish budgets, pay down and get out of debt, save an emergency fund, improve credit scores, buy first homes, prevent foreclosure, offer financial education opportunities, and live in control of their finances.

Provides homeownership workshop opportunities for first time buyers who are income eligible.

Using emergency funds and housing counseling, provides help to homeless persons of all ages or those in danger of eviction, and provides information on housing options ranging from rental assistance to nursing homes.

Information on public meetings; speakers; literature on tenant and landlord rights including laws prohibiting discrimination, understanding evictions, reporting housing code violations, obtaining mortgages and home loans; low income housing and rental assistance; credit counseling for housing consumers; CRA (Community Reinvestment Act) review of financial institutions; and home ownership workshops.

Providing education and advocacy about Fair Housing, ensuring that the protected classes are not unfairly discriminated against when it comes to renting or buying a home as well as in financial lending practices. Housing: Fair Housing, Education, Referral, Advocacy.

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

Family Self-Sufficiency (FSS) is a voluntary HUD program that encourages and assists families to become self-sufficient. The FSS Program is open to all residents in Public Housing or those who hold a Housing Choice Voucher/Section 8 Voucher. Participants in the program 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. FSS offers a financial incentive to families through an escrow account, which is based on an increase in a family's earned income. An example of an increase in earned income would be when a family member has a pay raise, obtains employment or has an increase in his or her working hours that results in an increase in the portion of rent that the family pays each month.

For example, if a family member begins working 40 hours per week, and the families rent increases $25.00 dollars per month, that $25.00 dollars goes into an escrow account that the Housing Authority establishes for the family. This account becomes available to the family when the family successfully completes their FSS Contract of Participation which is typically in a 5 year time period or in the interim to use to complete a goal.

Another program is the Home Ownership Program and only open to those who receive a Housing Choice Voucher (HCV)/Section 8 Voucher (S8V). A participant can choose to use his or her voucher to assist with the purchase and payment of a home. Eligible Section 8 Voucher holders may now use their vouchers to assist in the purchase of their own home through the Section 8 Homeownership Program. The voucher assistance provides a partial payment toward the mortgage every month for up to 15 years. Participants are assisted with budgeting and credit repair as needed, provided with homeownership education, and given support every step of the way as they purchase their home.

The Housing Counseling Program provides free classes and individual counseling helping over 3,000 potential first-time homebuyers. Monthly classes focus on topics not taught in regular school including 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.

Greene County Human Services Department offers a full continuum of housing services. The Philosophy of the County is to keep people housed whenever possible and if they become homeless, to assist them to move to permanent housing. Our programs serve the following:
Persons at risk of homelessness
Homeless
Persons with Behavioral Health (Mental Health and Drug Alcohol) Issues
Low Income families and individuals
Families involved with Children and Youth
Persons with Special Needs and/ or Disabilities
Seniors Youth in transition
Person involved in the Criminal Justice System
Veterans
The Greene County Housing Program continuum of services includes the following services that are described in more detail below:OutreachIntake and Coordinated Assessment PATH Services (help with housing for those with Behavioral Health needs)Homeless Prevention (evictions)
Rapid Rehousing (first month's rent)Emergency Shelter
Shelters Transitional HousingPermanent Housing Support Services
To access any of these housing services, contact:
Housing Outreach Specialist
Fort Jackson Building (3rd Floor)
19 South Washington Street, Waynesburg, PA 15370
Phone: 724-852-5276/ Fax: 724-852-5368
Office Hours: 8:30 a.m. to 4:30 p.m., Monday-Friday

Build and rehabilitate houses in Harrisburg City and sell them to eligible individuals/families with a 1% down payment and a "no interest" mortgage. Also provide training in home ownership skills.

Provides low income home loans.

Almost Home is a free multi week course with the goal of increasing financial stability and increasing housing stability. The course focuses on topics of saving, budgeting, debt reduction, and credit repair. Topics including retirement planning, home-buying, career planning, and financial rights are also explored. This course is open to all, but it is specifically geared to families who are interested in home ownership, but need to improve aspects of their financial situation before beginning the home-buying process.

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

Home repair services for needy, qualified, very low/low-income homeowners. New home construction. Disaster repair services. All forms of home repairs: roofs (not more than one story), siding, windows, doors, porch repair, drywall/plaster repair, flooring, plumbing, electrical, appliance replacement, hot water tanks, furnaces, retaining walls, masonry.

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 pre- and post-purchase counseling to low- and moderate-income homebuyers.

Fair Housing Enforcement and Education Services 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.

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.

Integra Home Counseling Inc.(IHC), will soon be rebranded "Envision Home Guidance Center" IHC is the only U.S. Dept. of Housing & Urban Development (HUD) Approved Housing Counseling Agency located in Monroe County PA with 2 HUD Certified Housing Counselors on staff, one of which is a Certified Financial Coach, along with being an Act 91 Housing Emergency Mortgage Assistance Program (HEMAP) Approved Agency through the Pennsylvania Housing Finance Agency (PHFA).
Our HUD Housing Counseling Program supports the delivery of a wide variety of housing counseling services to homebuyers, homeowners, low- to moderate-income renters, and the unhoused (often referred to as homeless).


The primary objectives of our Program are to improve financial literacy, expand homeownership opportunities, improve access to affordable housing, and preserve homeownership.





Our staff of HUD Certified Housing Counselors are trained to provide the following services:


-Financial Management/Budget Counseling

-Financial, Budgeting, and Credit Repair Workshops

-Fair Housing Education Workshops

-Home Improvement and Rehabilitation Counseling

-Mortgage Delinquency and Default Resolution Counseling

-Non-Delinquency Post Purchase Workshops and Counseling

-Pre-Home Purchase Counseling
-Pre-Purchase Homebuyer Education Workshops

-Predatory Lending Education Workshops

-Rental Housing Counseling and Workshops

-Resolving/Preventing Mortgage Delinquency
-Reverse Mortgage Counseling

-Housing Counseling Services for the Unhoused

Our Pre-home purchase counseling can help homebuyers become eligible for various financial benefits, including:


-Down payment assistance programs

-Closing cost grants

-Below market mortgage rates
-Fixed-rate loans



-Provided information on fair housing, fair lending, and accessibility rights
-Developed sustainable household budgets
-Assisted clients to improve their financial capacity (reduce debt load, increase savings, increase credit score)
-Provided access to housing and non-housing resources
-Assisted unhoused or potentially unhoused households to obtain housing
-Aided tenants to avoid eviction
-Helped first-time homebuyers obtain mortgages
-Assisted homeowners with understanding home equity conversion mortgages (HECM)
-Aided homeowners to improve their home conditions and affordability
-Assisted homeowners facing foreclosure to prevent or resolve a mortgage default and stay in their home.

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

**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.

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.

Pre-purchase housing counseling, reverse mortgage counseling and homebuyer education.

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.

First Time Homebuyers Program is directed to assist low, moderate, and median income households interested in purchasing a home in Montgomery County. Eligible participants may receive assistance with closing costs.

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 financial empowerment, homebuyer, and foreclosure prevention services. All services are available virtually, too.

Provides house counseling services. Also offers the following counseling: Refinancing, Home Repair Loans, Credit Repair, Anti-Predatory, Default Delinquency, Budgeting, and assistance in setting up a tax agreement.

Provides OHCD (Office of Housing and Community Development) approved housing counseling.

Housing counseling

Ensuring and improving the availability and accessibility of low-income and affordable housing in the Northside Communities while improving the lives of families.

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.

Provides financial education, pre-purchase education and post-purchase counseling.

Provides individuals and families with education about the home buying process and wealth and asset building, enabling them to move toward successful purchase of safe and affordable housing. Information about grant programs and affordable mortgage programs given to eligible participants.

Provides individuals and families with education about the home buying process and wealth and asset building, enabling them to move toward successful purchase of safe and affordable housing. Information about grant programs and affordable mortgage programs given to eligible participants.

Serve the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services.

Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)

Homebuyers can participate in counseling and education programs through an approved counseling agency.

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.

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.

PHA 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.

Program available to HUD's Housing Choice voucher recipients. 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.

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.

Provides the following services for very low-income veterans and their families:

- Housing counseling and assistance in finding affordable housing
- Assistance, including legal counseling, with obtaining VA benefits and other public benefits
- Credit repair assistance
- Temporary financial assistance, including rental assistance, utility payment, security deposits, moving costs, emergency supplies, transportation, and child care

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

The Redevelopment Authority of the County of Greene is the principle agency in Fayette County responsible for community development and single-family affordable housing activities. It is a division of The Pennsylvania Association of Housing and Redevelopment Agencies.

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.

Offers utility assistance, foreclosure prevention, first-time home buyer education, community organizing, economic development, employment resource computer lab.

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

Develops and provides affordable housing for low income families in Fayette, Greene and Washington counties. 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.

Eligible clients are provided with housing-related counseling, landlord-tenant mediation, housing relocation assistance, rental assistance, utility assistance, emergency shelter, and homelessness prevention services.
Programs include Emergency Food & Shelter Program, Homeless Assistance Program, Homeless Prevention and Rapid Rehousing 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.

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.

Firs Time Home Buyer Education: provides assistance with securing and maintaining affordable housing by teaching the skills necessary for home ownership. We also provide one-on-one counseling for those families facing mortgage difficulties or foreclosure.

First time homebuyers are prepared for homeownership. Potential clients are educated on the whole home buying process, from how to shop for a mortgage, how to look for a realtor to how they can obtain grants to buy the first home. A one-on-one meeting with a certified Housing Counselor will provide an opportunity for the client to get all their questions answered as well as obtain guidance on repairing credit, obtain down payment assistance and foreclosure prevention techniques to better acquire the home and keep it as long as they wish.

Offers pre-purchase and post-purchase workshops and counseling, including foreclosure intervention.