- 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.

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.
  

Housing Case Management Services helps low income families find affordable housing with housing referrals and counseling on budgeting and tenancy readiness. Limited funds available for rental assistance on a case by case basis.

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.

**NOTES**
Office is closed but they can be reached by phone or email until furher notice.

Handles complaints when people feel they have been discriminated against because of their race, color, religion,ancestry, sex, age, national origin, familial status or disability in the area of housing. Examples of cases include:
1. Refusal to rent to a prospective tenant because of race, color, etc.
2. Charging additional rent due to race, color, etc.
3. Requiring a rental agreement or lease which provides that the tenant shall remain childless or may not maintain a household with a person of a certain age
4. Failing to allow a service/support animal for a person with a disability in an apartment or house with a no pet policy.
5. Not allowing a tenant with a disability that receives social security disability payments the reasonable accommodation of paying rent at a date later than the first of each month when a tenant receives their check after the first.

Produces a series of housing rights and responsibilities materials as well as offers private consultations for individuals seeking to understand their specific housing situation.

The center also provides educational information on an individual basis and through agency seminars. Also presents "Fair Housing 101", a free, one hour training course that provides discussion and information on fair housing laws and their application.

**NOTES**
Office is closed but they can be reached by phone or email until furher notice.

Handles complaints when people feel they have been discriminated against because of their race, color, religion,ancestry, sex, age, national origin, familial status or disability in the area of housing. Examples of cases include:
1. Refusal to rent to a prospective tenant because of race, color, etc.
2. Charging additional rent due to race, color, etc.
3. Requiring a rental agreement or lease which provides that the tenant shall remain childless or may not maintain a household with a person of a certain age
4. Failing to allow a service/support animal for a person with a disability in an apartment or house with a no pet policy.
5. Not allowing a tenant with a disability that receives social security disability payments the reasonable accommodation of paying rent at a date later than the first of each month when a tenant receives their check after the first.

Produces a series of housing rights and responsibilities materials as well as offers private consultations for individuals seeking to understand their specific housing situation.

The center also provides educational information on an individual basis and through agency seminars. Also presents "Fair Housing 101", a free, one hour training course that provides discussion and information on fair housing laws and their application.

Housing counseling

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.