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Provides HUD-certified housing counseling services to individuals and families in Schuylkill County to support safe, stable, and sustainable housing outcomes. Housing counselors work one-on-one with clients to assess their full housing and financial situation, identify barriers to stability, and develop individualized action plans. Services may include education, budgeting support, and connection to appropriate housing resources and programs based on client needs. Services include: • Housing Stability Counseling: Personalized support to address housing challenges, review financial circumstances, and develop strategies to maintain or secure stable housing. • Mortgage & Foreclosure Prevention: Assistance for homeowners at risk of foreclosure, including counseling and application support for HEMAP and other loss mitigation options. • Pre-Purchase Counseling: Education and guidance for first-time homebuyers, including budgeting, credit readiness, and understanding the homebuying process. • Pre-Closing Counseling: Final review and counseling support prior to mortgage closing to ensure readiness and long-term affordability. • Reverse Mortgage (HECM) Counseling: Required counseling for older homeowners considering a Home Equity Conversion Mortgage. • Financial & Budget Counseling: Support with budgeting, credit, and financial planning related to housing stability. • Housing Resource Navigation: Connection to appropriate internal and external housing resources based on individual need and eligibility. All services are provided in accordance with HUD guidelines and Equal Housing Opportunity standards.

Offers counseling that help homeowners understand the foreclosure process, review their finances, develop budgets, and explore alternatives like loan modifications, forbearance, or repayment plans.

Assists clients in applying for a mortgage modification or other long-term mortgage resolution options. Clients that are delinquent in real estate taxes also have the opportunity to obtain long-term repayment plans with their real estate taxes.

Service Description Provides early court intervention and housing counseling for homeowners in Schuylkill County facing residential mortgage foreclosure. The Mortgage Foreclosure Diversion Program, operated by Schuylkill Community Action (SCA) in partnership with the Court of Common Pleas – 21st Judicial District and the Schuylkill County Bar Association, is designed to assist homeowners in resolving mortgage default situations before Sheriff Sale proceedings. The program helps homeowners understand available options and connect with federal, state, and local resources that may support loan workout solutions, including repayment agreements, loan modifications, or other loss mitigation options when appropriate. SCA provides skilled housing counseling and support during the court process, including assistance in communicating with lenders and exploring options to retain ownership of the home or reach an appropriate resolution. This program focuses on early intervention to help homeowners address foreclosure and work toward the best possible housing outcome based on their individual circumstances.

Assists struggling homeowners avoid foreclosure by offering loan modifications, refinance options, principal reduction, and short sale or deed-in-lieu alternatives.

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 emergency help to bring mortgage up to date. Repayment begins when homeowner is financially able.

Offers to help homeowners get mortgage relief and avoid foreclosure.

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 professional guidance and advocacy for homeowners who are behind on their mortgage or at risk of foreclosure. HUD and PHFA-certified counselors will review client's financial situation, work with their lender, and help them to explore options that may allow them to keep their home. Clients may be eligible for the Save Your Home Program, a statewide initiative deisnged to help homeowners who have fallen behind on payments due to financial hardship. Assistance to address past-due payments and stabilize their housing situation may be available.

Provides foreclosure prevention counseling and application assistance for Pennsylvania homeowners facing foreclosure due to a temporary financial hardship. The Homeowner’s Emergency Mortgage Assistance Program (HEMAP), funded and administered by the Pennsylvania Housing Finance Agency (PHFA), provides emergency mortgage assistance loans to eligible homeowners who are at risk of losing their primary residence. As a PHFA-certified housing counseling agency, Schuylkill Community Action (SCA) assists homeowners who have received an Act 91 Notice (Notice of Intent to Foreclose) by providing counseling, determining eligibility, and helping complete the HEMAP application process. HEMAP assistance may help bring mortgage accounts current and may provide temporary assistance with ongoing payments while the homeowner works to regain financial stability. Assistance is provided in the form of a loan and must be repaid according to PHFA guidelines.

Helps homeowners avoid foreclosure and eviction by providing mortgage financing to applicants with a stable income. Provides refinancing for homeowners with equity in their properties; for homeowners without equity, BlueHub acquires properties in foreclosure and resells homes to their existing occupants with mortgages they can afford.