As of February 1, 2023, PAHAF has temporarily paused accepting new application. Provides assistance for the following mortgage and housing-related expenses to help prevent mortgage delinquencies, default, foreclosure, and displacement. The maximum amount of assistance for any homeowner under the PAHAF is $30,000 or up to 24 months of assistance.

Helps homeowners to avoid foreclosure through counseling, working with lenders, and applying to available programs; can also connect to additional social, health, and financial resources as well as educational and employment opportunities.

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.

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.

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

**NOTES**
Office currently operating on an Appointment Only basis.

A state program to help those who have worked hard to purchase their homes to keep them during short periods of financial turmoil. The Homeowners Emergency Mortgage Assistance Program provides homeowners who have received an Act 91 notice a chance to apply for a loan to pay their mortgage until they are able to regain their financial footing. Counselors review each individual situation and prepare the necessary paperwork to be mailed to the state for a decision.

Information and access to resources for people who are finding it difficult to make the mortgage payments on their homes and are at risk for foreclosure.

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

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

Assists in negotiations with lender for a Loan Modification or a Forbearance Plan, budget counseling, referrals to other services, and will help explore additional refinancing options.

People with an Act 91 Notice should contact immediately, there is a limited window to apply for assistance.

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

Provides free housing counseling and free legal advice to give homeowners a way to negotiate with their mortgage lenders. Can also assist with property tax questions and appeals. Call if you have missed a mortgage payment, mortgage payments have suddenly increased, there is a problem with mortgage, have unpaid property taxes or City/water liens, got letter from Sheriff’s Office, don’t understand your loan documents, been the victim of foreclosure rescue scam, or have reverse mortgage questions.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Provides assistance with housing emergencies such as foreclosure, eviction, and essential utility termination (heat, electric, water/sewage), as well as emergency shelter and assistance to locate permanent housing; assistance with budgeting, and addressing other issues affecting the household through referrals to community resources.

- 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.

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.

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

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.

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 free civil legal representation to low-income clients.

Cases handled include family, consumer and housing law and public benefits within program priorities. Assists survivors of domestic violence in Protection From Abuse actions without regard to income.

Provides free civil legal representation to low-income clients.

Cases handled include family, consumer and housing law and public benefits within program priorities. Assists survivors of domestic violence in Protection From Abuse actions without regard to income.

Provides free civil legal representation to low-income clients.

Cases handled include family, consumer and housing law and public benefits within program priorities. Assists survivors of domestic violence in Protection From Abuse actions without regard to income.

Provides free civil legal representation to low-income clients.

Cases handled include family, consumer and housing law and public benefits within program priorities. Assists survivors of domestic violence in Protection From Abuse actions without regard to income.

Provides services in civil cases and small claims dealing with consumer issues (bankruptcy, foreclosures), housing, abuse, elder law, custody and public benefits. Pro bono programs available.

Legal Aid of Southeastern Pennsylvania (LASP) provides free civil legal services in Bucks, Chester, Delaware and Montgomery counties. In addition, Pro Bono programs in all four counties are avenues through which private attorneys willing to donate their time, advise and represent low-income clients, victims of domestic abuse and the elderly.

Legal Services include:
- Consumer problems (including bankruptcy, debt relief, foreclosures and sheriff's sales)
- Custody
- Denial/Termination of government benefits
- Domestic Violence
- Elder law issues
- Employment law
- Expungement of criminal records, Clean Slate and pardons
- Housing, including mortgage foreclosure, landlord/tenant, evictions, public housing and Section 8, subsidized housing
- Protection from Abuse orders (PFAs)
- Public Benefits, including Unemployment Compensation, SSI, SSDI, TANF (cash assistance), SNAP (food stamps), Medical Assistance (Medicare), and more
- Utilities
- Veterans

Legal Aid of Southeastern Pennsylvania (LASP) provides free comprehensive legal services in civil cases in Southeastern PA.

Legal Services at Legal Aid of Southeastern Pennsylvania (LASP) provides services in civil cases and small claims. In addition, Pro Bono programs operating in all five counties are avenues through which private attorneys willing to donate their time, advise and represent low-income clients, victims of domestic abuse and the elderly.

Legal Services include:
- Consumer problems (including bankruptcy, foreclosures and sheriff's sales)
- Custody
- Denial/Termination of government benefits
- Elder law issues
- Housing (including Landlord/Tenant disputes, Public Housing and Section 8)
- Protection from abuse
- Social Security
- Employment (including unemployment compensation and expungement of criminal records)
- Utilities

Legal Services at Legal Aid of Southeastern Pennsylvania (LASP) provides services in civil cases and small claims. In addition, Pro Bono programs operating in all five counties are avenues through which private attorneys willing to donate their time, advise and represent low-income clients, victims of domestic abuse and the elderly.

Legal Services include:
- Consumer problems (including bankruptcy, foreclosures and sheriff's sales)
- Custody
- Denial/Termination of government benefits
- Elder law issues
- Housing (including Landlord/Tenant disputes, Public Housing and Section 8)
- Protection from abuse
- Social Security
- Employment (including unemployment compensation and expungement of criminal records)
- Utilities

Legal Services at Legal Aid of Southeastern Pennsylvania (LASP) provides services in civil cases and small claims. In addition, Pro Bono programs operating in all five counties are avenues through which private attorneys willing to donate their time, advise and represent low-income clients, victims of domestic abuse and the elderly.

Legal Services include:
- Consumer problems (including bankruptcy, foreclosures and sheriff's sales)
- Custody
- Denial/Termination of government benefits
- Elder law issues
- Housing (including Landlord/Tenant disputes, Public Housing and Section 8)
- Protection from abuse
- Social Security
- Employment (including unemployment compensation and expungement of criminal records)
- Utilities

Court of the Common Pleas, 43rd Judicial District in Monroe County office this service in an effort to address the increasing number of property foreclosures in the county. Objective of the program is to provide a streamlined, unified process for the resolution of mortgage foreclosure proceedings through court intervention, housing counseling, and conciliation conferences.

Provides foreclosure intervention assistance and counseling.

Provides civil legal services to low-income individuals and families without the means to hire a private attorney.

Offers support for the Elderly Property Tax and Extension Program which can extend, defer, or assist older adults who are behind on property taxes. Older adults are also assisted with foreclosure preventions/loss mitigation counseling, budgeting and financial coaching.

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.

Foreclosure prevention counseling helps people struggling to make their mortgage payments by helping them to: understand their options to avoid foreclosure; access emergency mortgage assistance through HEMAP; work with their lenders to obtain loan modifications.

Reverse mortgage counseling helps people who are over 62 to understand reverse mortgages (also known as Home Equity Conversion Mortgage or HECM) and to decide if this is a good option for them. This counseling is required by law before any lender can make a reverse mortgage to a client.

Provides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.

Provides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.

Provides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.

Provides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on the financial situation.

Government program to help homeowners get mortgage relief and avoid foreclosure. Making Home Affordable programs offer a range of solutions that may be able to help:

• Refinance and take advantage of low mortgage interest rates.
• Reduce monthly mortgage payments
• Get mortgage relief while searching for re-employment
• Get help when you owe more than your home is worth
• Avoid foreclosure when homeownership is no longer affordable or desirable.

Government program to help homeowners get mortgage relief and avoid foreclosure. Making Home Affordable programs offer a range of solutions that may be able to help:

• Refinance and take advantage of low mortgage interest rates.
• Reduce monthly mortgage payments
• Get mortgage relief while searching for re-employment
• Get help when you owe more than your home is worth
• Avoid foreclosure when homeownership is no longer affordable or desirable.

Military Resources

Under recently announced changes to HAMP, military homeowners and other families who are permanently displaced by a job-related move may be eligible for a mortgage modification.

Responsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws.

Headquarters (Washington office):
451 Seventh Street, S.W., Washington, DC 20410
888-995-4673 Hope for Homeowners

HUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. As part of President Obama's comprehensive Homeowner Affordability and Stability Plan (HASP), you may be eligible for a special Making Home Affordable loan modification or refinance, to reduce your monthly payments and help you keep your home.

If you need help understanding the Making Home Affordable programs, you can use this search tool to find a counseling agency in your area that will provide you with free foreclosure prevention services. If you are eligible for the loan modification or refinance program, the counselor will work with you to compile an intake package for your servicer.

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services.

Conveniently located housing counseling agencies listed at website in searchable state page.

**NOTES**
Click here for Coronavirus Information
Click here for Coronavirus Resources for Renters

Responsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws. Also provides consumers with information on a range of housing issues, including foreclosures and reverse mortgages, and referrals to approved local housing counseling agencies.

Headquarters (Washington office):
451 Seventh Street, S.W., Washington, DC 20410

HUD / FHA mortgage insurance, low and moderate income and elderly housing programs, community development assistance to local governments, and financial and technical assistance to organizations administering ongoing HUD programs, projects, and developments. Literature and speakers available. In most cases, HUD does not provide direct service to the public. Callers can request the list of HUD - subsidized housing. There are three housing lists, one for families, one for the elderly, and one for persons with disabilities.

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.

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.