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

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

Provides classes, individual practitioner meetings, and community exploration related to meet a client's recovery goal (a commitment of 5 hours per week). Class sizes are limited to allow for focused work among participants.

Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Their in-person or Web base Classes are offered in both English and Spanish. Visit their website or call for a schedule. Classes are provided in their in-person and eHome web base platform. 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

Provides web learning platform called eHome America for convenience to their clients. Classes are offered in English and Spanish 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

Allows low and middle-income persons to buy a home of their own. CAADC first buys and renovates the home. All homes in the program are completely rehabilitated and meet or exceed local codes. In most cases, the homes have all new plumbing, heating and electrical systems as well as new kitchens, baths, flooring, windows and more.

Provides education about the home buying process, wealth, and asset building. Information about grant programs and affordable mortgage programs given to eligible participants.

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 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 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. Services offered include: A) Pre-closing class B) Pre-Purchase Counseling C) Homebuyer Education D) Credit Enhancement

Offers a pre-purchase program for first-time homebuyers. Provides monthly homebuyer education workshops and one-on-one counseling to address the specific needs and challenges that prospective buyers may encounter.

Provides medication-supported counseling and recovery programs to assist clients in meeting a specific personal goal.

Provides comprehensive housing counseling services including Pre- and Post-Purchase Counseling, Rental Counseling, Mortgage Default and Delinquency Counseling, Property Inspection Assistance, Loan Counseling. Home Repair Loans, Mortgage Refinancing Assistance, Property Tax Assistance, and Homestead Exemption Help. Holds Pre-Purchase Workshops the third Thursday of every month.

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

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 homeownership workshop opportunities.

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

Offers a variety of free and confidential support services for individuals and families facing an unplanned pregnancy. Services include free pregnancy tests, limited ultrasounds, and consultations to discuss all options like parenting, adoption, or abortion.

Helps local families overcome debt, improve credit, budget wisely and build assets for the future, as well as helping them maintain stable housing.

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

Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, under-employment, or medical reasons. Also helps those who are looking to become homeowners with monthly workshops, financial counseling, and closing cost assistance grants.

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

Provides counseling to first time home buyers and low income housing.

Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, under-employment, or medical reasons. Also helps those who are looking to become homeowners with monthly workshops, financial counseling, and closing cost assistance grants.

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 Homeowner'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 Homeownership Program is to create affordable home buyer opportunities for low to moderate income persons.