Provides homeownership education and individual counseling to families who desire to purchase a home.

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.

Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them.

Also assists homeowners seeking loans and grants to make improvements to their homes.

Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them.

Also assists homeowners seeking loans and grants to make improvements to their homes.

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

Offers a financial education program that supports the opportunity for affordable home ownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Participants are supported through the process of credit building, goal setting, budgeting with potential opportunities to purchase an affordable home. The program also includes education on how to maintain and sustain a property once it has been purchased.

Using a predominantly volunteer workforce, Open Hand Ministries also purchases and renovates properties for low-medium income families.

Offers a homeownership education program consisting of online courses and one-on-one counseling. The course is designed to enable clients to make informed decisions during the transition from renter to homeowner. This course places an emphasis on financial literacy for first-time homebuyers, particularly in the low to moderate income population.

Operation HOME has developed partnerships with the Pennsylvania Housing Finance Agency (PHFA), local lending institutions, social service agencies, and local real estate organizations to help reach its goal of creating successful homeowners throughout Western Pennsylvania.

Provides financial assistance to eligible first-time homebuyers who are interested in purchasing an existing or newly constructed home in the City of Pittsburgh.

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.

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.

Managing and administering the federal and state grants including but not limited to Community Development Grant (CDGB), Community Services Block Grant (CSBG), Emergency Solutions Grant (ESG), Homeless Assistance Program (HAP), Emergency Rental Assistance Program (ERAP), and the Homeless Investment Partnership funding (HOME).

Provides home rehabilitation services for qualifying residents of 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.

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.

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.

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

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

Provides classes designed to help people prepare to buy a home.

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.

Provides foreclosure prevention services for homeowners in danger of losing their homes. Also provides credit counseling and pre-purchase services to those interested in purchasing a home.

Provides foreclosure prevention services for homeowners in danger of losing their homes. Also provides credit counseling and pre-purchase services to those interested in purchasing a home.

Provides housing counseling services to help homeowners avoid foreclosure and other housing issues. Some services include: homebuyer education, credit recovery, loss mitigation, rental counseling, first time homebuyer education and first-time homebuyer down payment assistance.

Provides counseling to first time home buyers. Certified Housing and Urban Development (HUD) 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 homeownership workshop opportunities.

Provides an emergency shelter allowance to stop eviction from home/apartment or foreclosure to house. May also help find a long-term or short-term place to live, if necessary. Amount of the one time payment depends on needs, situation, and emergency.

Provides free home buyers counseling and closing cost assistance.

Provides emergency aid, in the form of either a direct grant (a cash gift, not to be repaid) or an interest-free loan, and by giving college scholarships to children of soldiers.

Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.

Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.

Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.

Provides one-time assistance emergency and preventative assistance. Services include rental assistance and move in assistance; and prevention of shut-offs for electrical, water, sewer, gas and other utilities; assistance with automobile insurance and payments; and ride share apps.

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

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.

Services available include:
A) Finding suitable and affordable housing
B) Accessing utility benefits and programs
C) Managing money and budgeting
D) Solving deed and title issues
E) Helping with mortgage default and delinquency counseling
F) Anti-predatory loan counseling and predatory loan relief

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:

A) Pregnancy Testing and Counseling
B) Housing Assistance
C) Parenting Classes
D) Assistance applying for state assistance, subsidized child care, and subsidized housing
E) Adoption assistance, birth support groups, doulas, adoption services, anger management, medical care, long term counseling, etc.
F) Baby clothes, diapers, & formula

Provides OHCD (Office of Housing and Community Development) approved housing counseling, including:
A) Home Purchase Counseling
B) Mortgage Default and Delinquency
C) Property Tax Default or Delinquency
D) HEMAP (Homeowners Emergency Mortgage Assistance Program
E) Legal counseling for tenants and homeowners

You will meet privately with a professionally credentialed clinician who speaks Russian and will listen to your concerns.
The clinician will help you identify areas in your life that you would like to change and help you develop a plan to make these changes.
You will meet regularly and be supported by the clinician as you take actions to bring about these changes.
The clinician will arrange for you to see a PATH psychiatrist, if indicated.
You will meet with a psychiatrist who will complete an evaluation and may prescribe medication for you.
If you meet with a psychiatrist who does not speak Russian, your clinician will also attend the appointment and act as your translator.
You may continue to see both the psychiatrist for medication appointments and see the clinician for therapy.

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

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

Works with clients past the fulfillment of basic needs to provide the support necessary for clients to achieve long-term stability. Offers a variety of long-term support, education, and counseling services on topics such as budgeting and buying a home. Also offers an intervention program for male perpetrators involved in domestic violence, as well as several specialized permanent supportive housing programs for chronically homeless individuals and families.

Provides education programs in areas such as agriculture, farming, food preservation, nutrition, child care, as well as training in the natural gas industry. Advisors are available to go to homes to provide nutrition education for low-income clients. Also provides information on chemical safety, such as using pesticides, and advises which products should be used for a specific cause.

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 grants and technical assistance to qualified lower income homeowners to improve their homes and eliminate housing code violations.

Accepts new and used items such as appliances, furniture, bathroom fixtures, and paint donated by builders, local suppliers, manufacturers and individuals.
Provides affordable materials for home furnishing and repair.

Accepts new and used items such as appliances, furniture, bathroom fixtures, and paint donated by builders, local suppliers, manufacturers and individuals.
Provides affordable materials for home furnishing and repair.

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.

Reserves new and renovated homes for sale to people in the low to moderate income range as defined by HUD. Homebuyer counseling is also available.

Provides individualized training in maintenance, budgeting and upkeep of properties as well as first time home buyer housing counseling.

- 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 information on tenant and landlord disputes. Offers first time homeowner classes and credit counseling.

Offers a comprehensive approach to individual, family, and neighborhood success, Tri County Community Action provides a myriad of programming and initiatives around early childhood and family development; employment, education, and financial empowerment; housing security; and community development - all in an effort to create strong families and thriving communities.

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

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

Provides rental, housing, and financial counseling. Works with individuals to help them meet their financial goals, whether it's securing an affordable rental, purchasing their first home, or building savings. Also provides foreclosure mitigation and default and delinquency counseling.

Focusing on service to veterans, service members and communities. Programs for Family, Youth, Community and National Affairs. Help with VA claims, assistance in finding employment, support for current members of the military, and financial advice.

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.

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

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.

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

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

Helps people who lost their jobs to save their homes. Provides housing counseling services such as resolving mortgage delinquency and preventing foreclosure within the City’s Mortgage Foreclosure Diversion Program, representing homeowners in appeals when they are denied assistance through the Homeowners Emergency Mortgage Assistance Program, and providing real estate tax delinquency counseling to avoid tax foreclosure. Also provides rental and eviction prevention counseling.

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

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

Assists low and moderate income individuals and families interested in purchasing a first home within Chester County. Provides pre-purchase home ownership counseling and a loan for down payment and closing costs to first time buyers.

Provides 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.

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 to build homes for families in need. Volunteer labor and charitable gifts ensure our homes are affordable to low income families. Family members have sweat equity by assisting with volunteer labor.

Offers a 6-week long program of virtual classes that provides meaningful guidance and feedback on smart financial repair, growth and success. The focus of the first 3 weeks is financial literacy training, and the second 3 weeks focuses on preparing for home purchase. Offered spring, fall, and winter every year. Provides individualized support through trained Volunteer Financial Coaches.

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

Remote sessions take about 90 minutes to complete while the traditional face-to-face sessions can take over 2-3 hours.
Counselors are certified by PHFA and NeighborWorks. Participants needs to have a Smartphone, tablet, laptop, or desktop computer and a device that has a web camera so that the counselor can clearly see you during the session.

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 move-in assistance, security deposits, and/or first month's rent for those who are homeless. Assists households with delinquent rent payments to stop eviction.

**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

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

**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

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

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.

Provides assistance for people who want to purchase a home by offering information and advice about affordable housing that meets their needs, solving potential credit problems, etc.