Homebuyer/Home Purchase Counseling

Service Categories
Homebuyer/Home Purchase Counseling has no subcategories

    The structure of the services index and definitions of the terms contained herein were originally published in A Taxonomy of Human Services: A Conceptual Framework with Standardized Terminology and Definitions for the Field by the Information and Referral Federation of Los Angeles County, Inc., 3035 Tyler Ave., El Monte, CA 91731; Copyright (c) 1983, 1987, 1991. No part of this listing of human services terms and definitions may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electrical, mechanical, photocopying, recording or otherwise without the prior written permission of the Information and Referral Federation of Los Angeles County, Inc.

    This file's content displays in the left hand side margin of your Taxonomy - Directory of Services.

    Above is the standard disclaimer required by AIRS INFOLINE, please consult locally or with AIRS as to what is appropriate to post for your system Taxonomy.

    www.211taxonomy.org


    We do NOT recommend that you use MS Word to edit or manage this file, be sure to seek out a program or application that is a valid web authoring tool to do so.

    You will want to be sure to retain the exact file name and extension when editing, saving, and re-uploading this file to your directory.

    RegistrationFooter.incl

    Taxonomy Code: BH-3700.3000

    Programs that help people who want to purchase a home evaluate their readiness for homeownership, shop for housing that meets their needs, resolve potential credit problems, analyze specific home purchase offers, obtain a mortgage loan with advantageous interest rates and an affordable monthly payment, and complete the paperwork to close the loan and complete the sale. Also included are programs that provide assistance for people who want to refinance a home.

    Navigation Tips [+/-]

    by distance from Zip Code:

    There are 73 matching records.
    Service NameDescriptionLocationProgramAgency
    Alliance for Building Communities - First Time HomebuyerDoorway 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. LehighAlliance for Building CommunitiesAlliance for Building Communities
    BASE - Housing CounselingProvides housing counseling including: - pre-purchase counseling - default and delinquency counseling - foreclosure prevention counseling LancasterBASE, Inc.BASE, Inc
    Blair County Community Action Housing Counseling Program Homebuyer/Home Purchasing CounselingProvide 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.BlairBlair County Community Action Housing Counseling ProgramBlair County Community Action Agency
    Blueprints - Housing CounselingHUD-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.WashingtonFamily Economic SuccessBlueprints
    Blueprints - Mortgage Foreclosure AvoidanceHousing 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 WorkshopsWashingtonFamily Economic SuccessBlueprints
    Butler County Homeownership ProgramAssists 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.ButlerRedevelopment Authority of Butler County - Emergency Repair ProgramHousing and Redevelopment Authority County of Butler
    Cardinal Bevilacqua Community Center - Adult EducationCBCC 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 trainingPhiladelphiaCardinal Bevilacqua Community Center - Philadelphia; KensingtonCardinal Bevilacqua Community Center
    Ceiba - IDA Program - Philadelphia; KensingtonIDA 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.PhiladelphiaCeiba - Philadelphia; KensingtonCeiba
    Center for Family Services - Main Office - Homebuyer's EducationHomebuying 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.CrawfordCenter for Family Services - Main OfficeCenter for Family Services
    Chester Community Improvement Project - Pre-purchase Mortgage CounselingThe 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.DelawareChester Community Improvement Project - Delaware; ChesterChester Community Improvement Project
    Community Action Financial Services- 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. NorthamptonCommunity Action Financial ServicesCommunity Action Committee of the Lehigh Valley
    Community Action Partnership of Mercer County - Housing CounselingProvides housing counseling services to help homeowners avoid foreclosure.MercerCommunity Action Partnership of Mercer County - HousingCommunity Action Partnership of Mercer County
    Community Development - Luzerne County GovernmentThe 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. LuzerneLuzerne County Office of Community DevelopmentLuzerne County Government
    Community Progress Council, Housing and Financial Counseling•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. YorkCommunity Progress CouncilCommunity Progress Council, Inc.
    Congreso de Latinos Unidos - Homeownership CounselingCongreso 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. PhiladelphiaCongreso de Latinos Unidos - Philadelphia; West KensingtonCongreso de Latinos Unidos
    Congreso de Latinos Unidos - Homeownership WorkshopCongreso’s Homeownership Workshop helps potential first-time homebuyers through the complex preparations of purchasing a home and helps participants understand the home purchasing process.PhiladelphiaCongreso de Latinos Unidos - Philadelphia; West KensingtonCongreso de Latinos Unidos
    Credit Counseling Center -Doylestown - Mortgage AssistanceMortgage counseling, foreclosure counseling, mortgage assistance ( alternatives to foreclosure).BucksCredit Counseling Center - DoylestownCredit Counseling Center
    Credit Counseling Center - Levittown - Mortgage AssistanceMortgage counseling, foreclosure counseling and mortgage assistance ( alternatives to foreclosure).BucksCredit Counseling Center - LevittownCredit Counseling Center
    Credit Counseling Center- Richboro - Mortgage AssistanceMortgage counseling, foreclosure counseling and mortgage assistance ( alternatives to foreclosure).BucksCredit Counseling Center - RichboroCredit Counseling Center
    Fair Housing Partnership of Greater Pittsburgh, Inc.Assists in the investigation and filing of housing discrimination complaints, and provides legal representation for victims of housing discrimination. Fair housing hotline provides information and referrals for people with housing problems. Provides homebuyer education workshops, pre-purchase and post-purchase counseling, and housing search assistance including help with accessing to public housing. Works to eliminate housing discrimination and to promote fair housing in the Greater Pittsburgh area and throughout Pennsylvania, through education, monitoring and research, legislative reform, testing and enforcement, and community outreach. Volunteer opportunities are available for testers to pose as potential homebuyers or renters to help uncover discriminatory practices.AlleghenyFair Housing Partnership of Greater Pittsburgh, inc.Fair Housing Partnership of Greater Pittsburgh, Inc.
    Family Self-Sufficiency and Home Ownership ProgramFamily 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 case manager to help them set and reach goals related to becoming self-sufficient such as receiving more education, job training, help with childcare, a career and home ownership. FSS offers a financial incentive to families through an escrow account, which is based on an increase in a families 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. 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.FranklinFranklin County Housing Authority (FCHA)Franklin County Housing Authority (FCHA)
    Genesis Housing Corporation - Housing Counseling ProgramThe 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.MontgomeryGenesis Housing Corporation - Montgomery; NorristownGenesis Housing Corporation
    Greene County Human Services - Housing ProgramGreene 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: • Outreach • Intake 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 Housing • Permanent 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 GreeneHousing Authority of the County of GreeneGreene County Human Services
    Habitat for Humanity of Montgomery and Delaware Counties - Almost Home - Montgomery; West NorritonAlmost 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.MontgomeryHabitat for Humanity of Montgomery and Delaware Counties - Montgomery; West NorritonHabitat for Humanity of Montgomery and Delaware Counties
    HADC - Homebuying AssistanceNew and renovated homes are reserved for sale to people in the low to moderate income range as defined by HUD. Homebuyer counseling is available. LehighHousing Association and Development CorporationHousing Association and Development Corporation
    Home Buyer WorkshopsProvides homeownership workshop opportunities for first time buyers who are income eligible.CumberlandCumberland County Housing and Redevelopment AuthoritiesCumberland County Housing and Redevelopment Authorities
    Home Ownership, PICPIWe offer homeownership counseling, which is often mandated by your bank or lender. We can help you apply for low interest loans through USDA.AdamsPennsylvania Interfaith Community Programs, Inc. (PICPI)Pennsylvania Interfaith Community Programs, Inc., Adams County Housing Authority, Turning Point Interfaith Mission
    Home Ownership Program - Towanda - TrehabProgram 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.BradfordTREHAB - TowandaTREHAB
    Homeownership-TrehabProvides 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.SusquehannaTREHAB - MontroseTREHAB
    Homeownership - Wellsboro - TREHABProvides 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.TiogaTREHAB - WellsboroTREHAB
    Hosanna IndustriesHome 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.BeaverHosanna IndustriesHosanna Industries
    Housing Counseling - Advantage Credit Counseling Services NEPAIndividual 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.LuzerneAdvantage Credit Counseling Services NEPAAdvantage Credit Counseling Services of NEPA
    Housing Development Corporation - Homebuyers Mortgage AssistanceProvides pre- and post-purchase counseling to low- and moderate-income homebuyers.LuzerneHousing Developement Corporation of NEPAHousing Development Corporation of NEPA
    Housing Opportunities of Beaver County - Mortgage Foreclosure AvoidanceProvides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.BeaverHousing Opportunities of Beaver County - Mortgage Foreclosure AvoidanceHousing Opportunities of Beaver County
    Indiana County Community Action Program Housing CounselingProvides counseling to first time home buyers and low income housing.IndianaHousing Counseling for First Time Buyers / Low Income HousingIndiana County Community Action Program
    Indiana County Office of Planning and Development - Fair HousingAssists 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.IndianaIndiana County Office of Planning and DevelopmentIndiana County Office of Planning and Development
    Integra Home Counseling - Education and CounselingHousing purchase and mortgage counseling agency that provides free classes and seminars on foreclosure prevention, budgeting and stress management, new home purchase, and diversion orientation related to judicial foreclosure. Acts as a counseling agency for the Homeowners Emergency Mortgage Assistance Program (HEMAP) for Pennsylvania Housing Finance Agency.MonroeIntegra Home CounselingIntegra Home Counseling
    Intercultural Family Services - Housing Counseling ProgramHelps with pre- and post-renting, rental delinquency/default, postpurchase counseling, first-time mortgage counseling, anti-predatory lending, and mortgage default and delinquency counseling.PhiladelphiaIntercultural Family Services, Inc. - Philadelphia; University CityIntercultural Family Services
    Jefferson CenterThe Social Service Department of the Housing Authority of the City of York, also known as The Jefferson Center, offers a wide range of programs and services to assist and enhance the life opportunities and self-sufficiency efforts of adults and children residing in Section 8 and public housing throughout York County. Services Include: Family Self-Sufficiency: Program designed to help families become economically independent so they will no longer need to rely on public assistance. Members work with a case manager to assess strengths, identify barriers, set and achieve goals. Section 8 Homeownership Program: program for anyone currently living in Section 8 voucher housing. Under this program, eligible families can purchase a home and receive financial assistance for mortgage payments for up to 15 years. For the elderly/disabled, there are no time limits. Call for specific eligibility requirements. Budget counseling, a wellness center and a computer lab. YorkJefferson CenterHousing Authority of The City of York
    LHOP - Homebuyer Assistance Program -YorkProvides 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 YorkLHOP - York Housing Opportunity CenterLHOP - Lancaster Housing Opportunity Partnership
    LHOP - Homebuyer Initiative - LancasterProvides 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.LancasterLHOP - Lancaster Housing Opportunity PartnershipLHOP - Lancaster Housing Opportunity Partnership
    LHOP - Homebuyer Initiative - YorkProvides 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.YorkLHOP - York Housing Opportunity CenterLHOP - Lancaster Housing Opportunity Partnership
    Montgomery County Community Action Development Commission (CADCOM) - IDA - Mortgage & Homeowners CounselingThis 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.MontgomeryMontgomery County Community Action Development Commission (CADCOM) - Montogomery; NorristownMontgomery County Community Action Development Commission (CADCOM)
    Montgomery County Department of Housing and Community Development - First Time Homebuyers ProgramFirst 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.MontgomeryMontgomery County Department of Housing and Community Development -Montgomery County Department of Housing and Community Development
    Mt. Airy USA - Housing CounselingProvides housing counseling services to first-time, low and moderate-income homebuyers.PhiladelphiaMt. Airy USA - Philadelphia, Mt. AiryMt. Airy USA
    Neighborhood Housing Services - Home OwnershipDistributes 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.LehighNeighborhood Housing Services of the Lehigh ValleyNeighborhood Housing Services of the Lehigh Valley
    Neighborhood Housing Services of Greater Berks, Inc. - First Time Home OwnershipHome ownership counseling, low-interest financingBerksNeighborhood Housing Services of Greater Berks, Inc.Neighborhood Housing Services of Greater Berks, Inc.
    NeighborHope - Home Ownership Classes and AssistanceHome ownership classes and assistance for first time homebuyers. Please call for information on next class; classes are not run on a regular basis.AlleghenyNeighborHopeNeighborHope
    NeighborWorks - Allegheny CountyProvides free housing counseling services, homebuyer education and financial literacy courses. Foreclosure prevention services help homeowners whose mortgage delinquency is due to involuntary unemployment, adjustable rate resets, income disruption, family/medical emergency, or predatory lending. Provides free credit scores, budgeting advice, and pre-purchase counseling for FHA loans. Satellite Locations:
    • Eastside Neighborhood Employment Center - Garfield,
    • Hosanna House - Wilkinsburg,
    • Human Services Inc. - Turtle Creek,
    • The Kingley Association - Larimer,
    • North Hills Community Outreach,
    • North Side Leadership Conference,
    • NWWPA Homeownership Center - Main Office in Uptown/Downtown Pittsburgh,
    • Lawrence County Community Action Partnership - New Castle,
    • South Hills Interfaith Ministries,
    • Operation Better Block,
    • Veterans's Administration - Delafield Road,
    • Hazelwood.
    AlleghenyNeighborWorks - Western PANeighborWorks Western PA
    NeighborWorks - Lawrence CountyProvides free housing counseling services, home-buyer education and financial literacy courses. Foreclosure prevention services help homeowners whose mortgage delinquency is due to involuntary unemployment, adjustable rate resets, income disruption, family/medical emergency, or predatory lending. Provides free credit scores, budgeting advice, and pre-purchase counseling for FHA loans. Call or email for Satellite Locations nearest you. AlleghenyNeighborWorks - Western PANeighborWorks Western PA
    NeighborWorks Western PA - RealtyWorks in commercial and residential real estate. Helps narrow down the options and provides choices that best suit budget, lifestyle and needs.AlleghenyNeighborWorks Western PA REALTYNeighborWorks Western PA
    Northwest Counseling Services - Real Estate and HousingProvides 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.PhiladelphiaNorthwest Counseling Services - Philadelphia; LoganNorthwest Counseling Services
    Open Hand MinistriesProvides low/moderate income, disadvantaged families the opportunity for affordable homeownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Matches clients with mortgage programs and supports them through the process of repairing credit, buying a home, home ownership, and transition to a new neighborhood. Partners with local construction companies to rehabilitate properties and provide on-going home maintenance training to clients. Sponsors volunteer work days year-round to rehab houses for low-income families.AlleghenyOpen Hand MinistriesOpen Hand Ministries
    Pathstone - Financial Fitness Program - ChambersburgProvide individuals and families with education about the home buying process, wealth and asset building, enabling them to move toward successful purchase of safe and affordable housing. This program helps participants develop financial skills, repair their credit, and obtain access to products to help them build assets. Classes help participants establish and achieve financial goals and prepare for homeownership. One-on-one credit counseling and financial planning is also available. Provided in English and Spanish.FranklinPathStone Corporation - ChambersburgPathStone Corporation
    Pennsylvania Housing Finance Agency - Homebuyer CounselingHomebuyers 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.DauphinPHFA Housing Counseling, Development, and InformationPennsylvania Housing Finance Agency
    Redevelopment Authority of the City of ErieHousing 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.).ErieRedevelopment Authority of the City of ErieRedevelopment Authority of the City of Erie
    Redevelopment Authority of the City of Uniontown Homebuyer Redevelopment Program Counseling ServicesProvides homebuyer counseling services, down payment and closing cost assistance, and a variety of permanent and subordinated mortgage productsFayetteHomebuyer Redevelopment Program Counseling ServicesRedevelopment Authority of the City of Uniontown
    Redevelopment Authority of the County of Fayette Homebuyer Redevelopment Program Counseling ServiceProvides homebuyer counseling services, down payment and closing cost assistance, and a variety of permanent and subordinated mortgage productsFayetteHomebuyer Redevelopment Program Counseling ServiceRedevelopment Authority of the County of Fayette
    Redevelopment Authority of the County of Washington - Countywide Homebuyer Assistance ProgramAssists first-time homebuyers in attaining their goal of home ownership by providing financial assistance for the purchase and rehabilitation of eligible housing units.WashingtonRedevelopment Authority of the County of WashingtonRedevelopment Authority of the County of Washington
    Remote Housing Counseling - Advantage Credit Counseling Services NEPARemote 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.LuzerneAdvantage Credit Counseling Services NEPAAdvantage Credit Counseling Services of NEPA
    SACA Development CorporationProvides 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.LancasterSpanish American Civic Association - LimeSpanish American Civic Association
    Saint Martin Center - Main Office - Pre-Closing WorkshopEducates homebuyers on topics relating to closing on a property.ErieSaint Martin Center - Main OfficeSaint Martin Center
    Schuylkill Community Action - Budgeting and CounselingBuying 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.SchuylkillSchuylkill Community Action ProgramSchuylkill Community Action Program
    Southwest Community Development CorporationOffers utility assistance, foreclosure prevention, first-time home buyer education, community organizing, economic development, employment resource computer lab.PhiladelphiaSouthwest Community Development Center - Philadelphia; Southwest PhiladelphiaSouthwest Community Development Corporation
    Tabor Community Services - Barshinger Financial Empowerment Center - Homebuyer CounselingHomebuyer 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 LancasterTabor Community Services - Ann B Barshinger Financial Empowerment CenterTabor Community Services, Inc.
    Threshold Housing DevelopmentDevelops and provides affordable housing for low income families in Fayette, Greene and Washington counties. Also links residents to community action agencies for housing counseling.FayetteThreshold Housing DevelopmentThreshold Housing Development
    Tri County Community Action - Harrisburg Office - Housing CounselingProvide 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.DauphinTri County Community Action - Harrisburg OfficeTri County Community Action
    United Communities Southeast Philadelphia - Home Prep ProgramFirst 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.PhiladelphiaUnited Communities Southeast Philadelphia - Philadelphia; South PhiladelphiaUnited Communities Southeast Philadelphia
    United Communities Southeast Philadelphia - Housing CounselingOffers pre-purchase and post-purchase workshops and counseling, including foreclosure intervention.PhiladelphiaUnited Communities Southeast Philadelphia - Philadelphia; South PhiladelphiaUnited Communities Southeast Philadelphia
    United States Department of Veterans Affairs, Veterans Benefits Administration - Home LoansThe United States Department of Veterans Affairs, Veterans Benefits Administration is responsible for administering The VA's extensive non-medical benefits. Its responsibilities include initial veteran registration, eligibility determination, and five key lines of business (benefits and entitlements): Home Loan Guarantee, Insurance, Vocational Rehabilitation and Employment, Education (GI Bill), and Compensation & Pension. VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. Types of Assistance: Purchase Loan VA can help you purchase a home at a competitive interest rate, and if you have found it difficult to find other financing. VA's Cash-Out Refinance Loan For homeowners who want to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. The Cash-Out Refinance Loan can also be used to refinance a non-VA loan into a VA loan. VA will guaranty loans up to 100% of the value of your home. VA Home Loan Guaranty Most VA Home Loans are handled entirely by private lenders and VA rarely gets involved in the loan approval process. VA "stands behind" the loan by guaranteeing a portion of it. If something goes wrong and you can't make the payments anymore, the lending institution can come to us to cover any losses they might incur. The VA loan guaranty is the "insurance" that we provide the lender. Interest Rate Reduction Refinance Loan The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate by refinancing your existing VA home loan. By obtaining a lower interest rate, your monthly mortgage payment should decrease. You can also refinance an adjustable rate mortgage (ARM) into a fixed rate mortgage. Native American Direct Loan The Native American Direct Loan (NADL) Program provides direct home loans from VA to eligible Native American Veterans to finance the purchase, construction, or improvement of homes on Federal Trust Land, or to refinance a prior NADL to reduce the interest rate. Housing Grants for Disabled Veterans VA provides grants to Servicemembers and Veterans with certain permanent and total service-connected disabilities to help purchase or construct an adapted home, or modify an existing home to accommodate a disability. Two grant programs exist: the Specially Adapted Housing (SAH) grant and the Special Housing Adaptation (SHA) grant. VA's Adapted Housing Grants for Disabled Veterans Trouble Making Payments VA Regional Loan Centers have technicians available to conduct financial counseling. This counseling is designed to help you avoid foreclosure. If you want this assistance, call 1-877-827-3702 to reach a Loan Service Representative that can assist you.United States Department of Veterans Affairs, Veterans Benefits Administration - Home LoansUnited States Department of Veterans Affairs, Veterans Benefits Administration
    Universal Housing Counseling Program (UHCP)Universal Companies is community-based and non-profit organization and congruent with its fundamental mission, it created the Universal Housing Counseling Program (UHCP) to provide direct and free of charge services to the low and moderate income people. Since its inception, UHCP has been providing concrete and helpful services to first-time home buyers, existing home owners, tenants and renters in the areas of housing, finance, credit, budgeting and savings. UHCP is equipped with highly professional, certified, knowledgeable and competent counselors and is capable of providing high-quality services. Program participants are encouraged to become home owners, be financially smart, maintain their homes, avoid foreclosure, own decent credit scores, be budget oriented and be wealth builders. UHCP holds group and individual sessions that focus on housing consumer education, especially for the first time home buyer issues, credit repair and improvement, post –purchase counseling, budgeting, and saving plans. Through this program, we have assisted hundreds of existing home owners to avoid foreclosure and potential homeowners to understand the nature of predatory lending practices. The goal of UHCP workshops is to empower participants with knowledge and resources. UHCP provides mortgage loan counseling and helps clients obtain affordable mortgages through our PHFA-approved lending partnership. We also assist clients with receiving down payment and closing cost loans, grants and assistance. UHCP understands the home-buying process may seem overwhelming and intimidating too many low- and moderate income people and because of this inherent problem, UHCP tries to ease the difficulty through direct and face-to-face counseling from the counseling starting point to the finality of home buying. UHCP counselors make the home buying process more accessible to the first time home buyers. Instead of having to coldly approach mortgage lenders, potential home buyers can meet our counselors in our office to go through the pre-qualification process. Participants with credit problems learn ways to resolve them. Participants that do not qualify for a mortgage right away are assisted to become qualified through our structured, consistent, and educational counseling.PhiladelphiaUniversal Companies - Philadelphia; Graduate HospitalUniversal Companies
    Warren-Forest Counties Economic Opportunity Council - Pre-Housing CounselingPre-purchasing counseling for those who are obtaining a Pennsylvania Housing Finance Loan.WarrenWarren-Forest Counties Economic Opportunity CouncilWarren-Forest Counties Economic Opportunity Council
    Westmoreland Community Action - Housing Counseling & Money Management CenterOffers training and resources designed to support families and individuals who are interested in purchasing their very own home. The Housing Counseling & Money Management Center provides free housing counseling services to all Westmoreland County residents who have housing needs or problems that are potentially resolvable through home buyer education and/or pre-purchase counseling. Service offered include: -Pre-closing class -Pre-Purchase Counseling -Homebuyer Education -Credit Enhancement WestmorelandHousing ProgramsWestmoreland Community Action

    Outline of Categories [+/-]

    Select a main category outline to be viewed: