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    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.

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    Taxonomy Code: BH-3800.5000

    Programs that make mortgage payments for people who are at risk of losing their homes without assistance. Mortgage payment assistance programs may have age, income, disability, need or other eligibility requirements.

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    There are 49 matching records.
    Service NameDescriptionLocationProgramAgency
    Advantage Credit Counseling Service - LawrenceProvides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops. LawrenceConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    BCAP - Homeowners Emergency Mortgage Assistance Program (HEMAP)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.BerksBerks Community Action ProgramBerks Community Action Program, Inc.
    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
    Catholic Charities - Diocese of Allentown - Community Support ProgramCase management services assist individuals with goal setting to help individuals and families to establish and sustain self-sufficiency. Referrals are made to the appropriate resources. Can provide housing and utility funds, budgeting and job search counseling and prescription assistance. Financial support with groceries for Puerto Rican evacueesLehighCatholic Charities - Diocese of Allentown - Berks County OfficeCatholic Charities - Lehigh/Northampton Administrative Office
    Central Pennsylvania Community Action - Clearfield Office - Housing AssistanceThe HAP program provides assistance for those at risk of becoming homeless through rental, utility and mortgage assistance. The program requires sustainable income to maintain rental/utilities/mortgage. This program, funded by the Pennsylvania Department of Human Services, through Clearfield County, serves to assist qualified applicants who are having difficulty making monthly rent payments, utility payments or mortgage payments.ClearfieldCentral Pennsylvania Community Action - Clearfield OfficeCentral Pennsylvania Community Action
    Community Action - Main Office - Homeless Assistance Program Housing AssistanceHAP provides housing assistance for homeless or near homeless situations for: rent, mortgage, heat, electric, or water/sewage assistance.JeffersonCommunity Action - Main OfficeCommunity Action
    Congreso de Latinos Unidos - Housing Foreclosure Intervention/Prevention Congreso intervenes at various stages in the foreclosure process, from those who need mortgage assistance after a few back payments to those in the beginning states of foreclosure. The organization’s Housing Department provides counseling and supportive services including advocacy at the conciliation hearings.  Providing high quality housing services to vulnerable populations. PhiladelphiaCongreso de Latinos Unidos - Philadelphia; West KensingtonCongreso de Latinos Unidos
    Emergency Shelter Allowance (ESA) - MontgomeryThe Department of Public Welfare offers an Emergency Shelter Allowance, ESA, to help a homeless or near homeless family/individual to: stop eviction from your home/apartment or foreclosure of your house; find a long-term place to live; find a short-term place to stay.MontgomeryMontgomery County Assistance OfficePennsylvania Department of Human Services
    Housing and Redevelopment Authority County of Butler - Mortgage AssistanceAssists 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 opportunities.ButlerMortgage AssistanceHousing and Redevelopment Authority County of Butler
    Housing Development Corporation - Emergency Mortgage Assistance ProgramProgram assists homeowners who, through no fault of their own, have fallen behind on their monthly mortgage payments. Service is funded through the Pennsylvania Housing Finance Agency.LuzerneHousing Developement Corporation of NEPAHousing Development Corporation of NEPA
    Housing Expenditure AssistanceAssistance with housing expenditures: rent, lot rent, mortgage payment, utilities, homeowner's insurance, real estate taxes, etc.CumberlandTodd Baird Lindsey FoundationTodd Baird Lindsey Foundation
    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 Homeowner's Emergency Mortgage Assistance Program ApplicationsProvides mortgage assistance applications for HEMAP to residents of Pennsylvania.IndianaHomeowner's Emergency Mortgage Assistance Program ApplicationsIndiana County Community Action Program
    Interfaith Human Services - Emergency Financial Assistance ProgramsProvides financial assistance to prevent eviction, electricity service termination, etc. or to help with small home repairs or provide small short-term loans for similar needs. Money management counseling is also available.CentreInterfaith Human Services - ProgramInterfaith Human Services
    It's About the Warrior FoundationIt's About the Warrior Foundation (IATW) assists and empowers post 9/11 veterans and their families with financial, educational, recreational or therapeutic needs.
    • Offers financial assistance to pay third party mortgages, rent, and other needs including:
      • Utility bills
      • Housing assistance (rent, mortgage)
      • Housing repairs
      • Funeral expenses
      • Legal fees
      • Educational fees
      • Recreational fees
      • Medical fees
    • Provides gift cards from a variety of retail outlets for the veteran and their families in a time of need.
    • Offers post-secondary educational scholarship opportunities for both the veteran and their dependents.
    • Assists veterans with job placement throughout the Tri-State Area.
    ButlerIt's About the Warrior FoundationIt's About the Warrior Foundation
    Mortgage Assistance Commission on Economic Opportunity -HazletonAssist with mortgage delinquency and default resolution. CEO, working in conjunction with the Pennsylvania Housing Finance Agency (PHFA), the Department of Housing and Urban Development (HUD), and the Court of Common Pleas Foreclosure Diversionary Program, assists homeowners who are having difficulties paying their mortgage. Serves Conyngham, Freeland, West Hazleton, Sugarloaf, Drums, and the Hazleton areaLuzerneCommission on Economic Opportunity HazletonCommission on Economic Opportunity
    Mortgage Assistance - Commission on Economic Opportunity - TunkhannockAssist with mortgage delinquency and default resolution. CEO, working in conjunction with the Pennsylvania Housing Finance Agency (PHFA), the Department of Housing and Urban Development (HUD), and the Court of Common Pleas Foreclosure Diversionary Program, assists homeowners who are having difficulties paying their mortgage.WyomingCommission on Economic Opportunity - TunkhannockCommission on Economic Opportunity
    Mortgage Assistance - Commission on Economic Opportunity - Wilkes BarreAssist with mortgage delinquency and default resolution. CEO, working in conjunction with the Pennsylvania Housing Finance Agency (PHFA), the Department of Housing and Urban Development (HUD), and the Court of Common Pleas Foreclosure Diversionary Program, assists homeowners who are having difficulties paying their mortgage.LuzerneCommission on Economic Opportunity Wilkes BarreCommission on Economic Opportunity
    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
    NHM, Dillsburg, Financial Assistance for Rent and/or Mortgage•Financial Assistance for rent and mortgages for qualifying community members. Eviction and/or foreclosure notice not necessary to seek help. •Amount varies case by case. •Assistance once per year YorkNew Hope Ministries, (NHM) - DillsburgNew Hope Ministries, (NHM)
    NHM, Dover, Financial Assistance for Rent and/or Mortgage•Financial Assistance for rent and mortgages for qualifying community members. Eviction and/or foreclosure notice not necessary to seek help. •Amount varies case by case. •Assistance once per year YorkNew Hope Ministries(NHM) - DoverNew Hope Ministries, (NHM)
    NHM, Hanover, Financial Assistance for Rent and/or Mortgage•Financial Assistance for rent and mortgages for qualifying community members. Eviction and/or foreclosure notice not necessary to seek help. •Amount varies case by case. •Assistance once per year YorkNew Hope Ministries (NHM) - HanoverNew Hope Ministries, (NHM)
    NHM, Mechanicsburg, Financial Assistance for Rent and/or Mortgage•Financial Assistance for rent and mortgages for qualifying community members. Eviction and/or foreclosure notice not necessary to seek help. •Amount varies case by case. •Assistance once per yearCumberlandNew Hope Ministries (NHM) - MechanicsburgNew Hope Ministries, (NHM)
    NHM, New Oxford, Financial Assistance for Rent and/or Mortgage•Financial Assistance for rent and mortgages for qualifying community members. Eviction and/or foreclosure notice not necessary to seek help. •Amount varies case by case. •Assistance once per yearAdamsNew Hope Ministries (NHM) - New OxfordNew Hope Ministries, (NHM)
    NHM, West Shore/Lemoyne, Financial Assistance for Rent and/or Mortgage•Financial Assistance for rent and mortgages for qualifying community members. Eviction and/or foreclosure notice not necessary to seek help. •Amount varies case by case. •Assistance once per year CumberlandNew Hope Ministries (NHM) - West Shore/LemoyneNew Hope Ministries, (NHM)
    Office of Supportive Housing - Emergency Assistance and Response Unit (EARU)Provides limited financial assistance for families and individuals displaced or made homeless, and residents with court ordered evictions. Services include cash assistance with rent and mortgages and security deposits. Also provides post-disaster housing assistance with referral from Red Cross.PhiladelphiaOffice of Supportive Housing - Emergency Assistance Response UnitOffice of Homeless Services
    Operation REACH (Relief for Emergency Assistance through Community Help) for VeteransThe goal of Operation REACH (Relief for Emergency Assistance through Community Help) is to assist veterans who are struggling with substance abuse and/ or co-occurring mental health needs get the help that they need. This initiative will focus on the comprehensive needs of the veteran and delivering services through a holistic approach. Operation REACH will strive to provide intervention support services through a targeted case management model. Veterans and their families will benefit from targeted case management through assistance in coordination with basic necessities. Unlike many programs, characterization of discharge will not serve as eligibility criteria for Operation REACH. Services provided include, but may not be limited too: •Mental Health Treatment Services •Substance Use Disorder (SUD) Treatment Services •Housing Support and Assistance ‐Emergency Housing ‐Transitional Housing ‐Rent Subsidies •Support Services ‐ Emergency Assistance ‐ Food ‐ Clothing ‐ Toiletries ‐ Transportation ‐ Child Care ‐ Legal Assistance ‐ Recreation Activities FranklinFranklin County Veteran AffairsFranklin County Human Services
    PathStone - Emergency Food and Shelter - AspersServe the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services. Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)AdamsPathStone Corporation - AspersPathStone Corporation
    PathStone - Emergency Food and Shelter - BerksServe the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services. Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)BerksPathstone Corporation - BerksPathStone Corporation
    PathStone - Emergency Food and Shelter - ErieServe the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services. Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)EriePathStone Corporation - EriePathStone Corporation
    PathStone - Emergency Food and Shelter - Kennett SquareServe the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services. Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)ChesterPathStone Corporation - Kennett SquarePathStone Corporation
    PathStone - Emergency Food and Shelter (Migrant & Farm Workers) - ChambersburgServe the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services. Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)FranklinPathStone Corporation - ChambersburgPathStone Corporation
    PathStone - Emergency Food and Shelter - ScrantonServe the one-time emergency needs of migrant and seasonal farmworkers and other rural disadvantaged people who may not be eligible for other emergency services. Services include: Nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance and utilities in arrears assistance (one-time only assistance)LackawannaPathStone Corporation - ScrantonPathStone Corporation
    Pennsylvania Housing Finance Agency - Homeowner's Emergency Mortgage Assistance Program (HEMAP)HEMAP provides emergency loans for homeowners who, through circumstances beyond their control, have fallen behind in making their monthly mortgage payments. HEMAP loans help homeowners bring the mortgage up to date. Repayment begins when homeowner is financially able.DauphinPHFA Housing Counseling, Development, and InformationPennsylvania Housing Finance Agency
    Pennsylvania Wounded WarriorsProvides emergency financial assistance to veterans to help pay for housing, utilities, transportation, medical and other expenses. Pays directly to landlords, vendors and creditors.CumberlandPennsylvania Wounded WarriorsPennsylvania Wounded Warriors (PAWW)
    Philadelphia Senior Center - Housing CounselingServices 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.PhiladelphiaPhiladelphia Senior Center - Philadelphia; South PhiladelphiaPhiladelphia Senior Center
    Phoenixville Area Community Services - Basic Needs Assistance - Mortgage Payment AssistanceFood, fuel, utility, and rental assistance and other essential needs are provided to people who live in our service area and are low-income.ChesterPHOENIXVILLE AREA COMMUNITY SERVICESPhoenixville Area Community Services
    Phoenixville Area Community Services - Emergency ServicesEmergency Services offers limited assistance with basic human needs for people within certain eligibility guidelines. Emergency assistance with food through an emergency pantry, and emergency assistance with utilities and housing is offered when funding is available. Follow ups are also provided to determine whether needs have been met.Chester*Main Site (Phoenixville Area Community Services)Phoenixville Area Community Services
    Pike County Human DevelopmentThis office provides emergency rental and mortgage assistance, utility assistance, food vouchers and listing of county food pantries, emergency shelter, county housing rehab program, referrals, funding and information source for local human service agencies.PikePike County Human DevelopmentPike County Human Development
    Rental Assistance - Salvation Army WilliamsportAssists families who have a current eviction notice. This assistance does not pay for security deposits or first month's rent. Assistance is subject to availability of funds.LycomingSalvation Army Williamsport - Social ServicesSalvation Army Williamsport
    Saint Martin Center - Main Office - Mortgage AssistanceProvides mortgage assistance for qualifying individuals. Must meet eligibility requirements.ErieSaint Martin Center - Main OfficeSaint Martin Center
    Salvation Army, Lower Bucks - Rental/Mortgage AssistanceWe are able to keep many on the fringes of homelessness to maintain their home. Many fall ill and for a short period of time unable to work. Many do not have the means to have a catastrophe happen to them of their loved ones, and are unable to make up for back rent or mortgage.BucksSalvation Army, Lower Bucks - Bucks; LevittownSalvation Army, Lower Bucks
    Salvation Army of Lebanon Social ServicesLimited assistance available at this time Provides assistance with basic needs for electric bills and mortgage assistance (one month of principal and interest), clothing and furniture vouchers.LebanonSalvation Army of LebanonSalvation Army of Lebanon
    Schuylkill Community Action - Rent and Mortgage AssistanceProvides assistance for rent or mortgage to individuals or families facing a hardship and/or eviction. Funds are distributed when available. The applicant can receive the service once per year.SchuylkillSchuylkill Community Action ProgramSchuylkill Community Action Program
    Shenango Valley Urban League - Housing Assistance - Mortgage Foreclosure AssistanceProvides mortgage foreclosure assistance.MercerShenango Valley Urban League - Housing AssistanceShenango Valley Urban League
    Southwest Community Development Corporation - Housing Retention Program (HRP)Provides mortgage assistance for people who have fallen behind on payments and are at risk of becoming homeless.PhiladelphiaSouthwest Community Development Center - Philadelphia; Southwest PhiladelphiaSouthwest Community Development Corporation
    Sullivan County Government - Human Services - Emergency Food and Shelter ProgramA federally funded assistance program, that provides a one (1) month mortgage or a one (1) month metered utility payment or vendor minimum delivery amount of a non-metered utility (wood, oil or propane if the primary heat source). This service may also allow for hotel/motel vouchers in order to provide shelter to homeless individuals. Sullivan County households can be assisted once a year through this program while funds are available and on a first come first serve basis.SullivanSullivan County Human ServicesSullivan County Government
    USA CaresUSA Cares provides financial and advocacy assistance to post 9/11 active duty US military service personnel, veterans and their families. They assist all branches of service and all ranks and components. They do not charge fees nor accept repayment and rely on donations from private citizens, businesses and foundations for all funding. Financial assistance is not given directly to service members or their families; instead, payments are made to mortgage lenders, utility companies, and other vendors. The objective is to reach families at the earliest stage of intervention to proactively prevent further financial distress. Typically, USA Cares provides assistance in four major areas:
    • Emergency Assistance - pays immediate, essential bills, including food and utility bills,
    • Housing Assistance – helps to stop and prevent evictions and foreclosures,
    • Combat Injured - pays basic expenses: mortgage/rent, food and home utilities which enables combat injured to receive treatment and be assured their family is taken care of,
    • Jobs Assistance – reduce unemployment among post-9/11 Veterans through job-seeker tools, open to all veterans, limited financial assistance.
    USA CaresUSA Cares

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