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Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them. Also helps homebuyers with grant opportunities, particularly for first-time homebuyers and help with downpayment and closing costs.

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

Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them. Also helps homebuyers with grant opportunities, particularly for first-time homebuyers and help with downpayment and closing costs.

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

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).

Offers a A HUD and PHFA-certified housing counseling program to assist low and moderate income families achieve home ownership in Butler County. Offers monthly classes pertaining to home buyer education, foreclosure prevention, and mortgage assistance.

Provides legal services for individuals who are facing eviction or experiencing difficulty maintaining secure, affordable housing.

Provides housing counseling services.

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 classes designed to help people prepare to buy a home.

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.

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 personalized financial education and coaching to help individuals achieve stability and confidence in managing their money. Services Include:

• Budgeting Guidance: Learn practical strategies to manage income, track expenses, and set realistic financial goals.
• Credit Education & Repair Assistance: Receive help understanding credit reports, disputing inaccuracies, and improving your credit score.
• Identity Theft Awareness: Understand risks and protective measures for yourself and your family.
• Youth Financial Education: Engage children with interactive lessons that introduce basic money management concepts.
• Financial Support for Housing: Guidance on budgeting for rent, utilities, or mortgage payments when applicable.

Sessions are available in-person or via Zoom.

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 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

IDA 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.

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 range of programs to ensure that consumers have access to housing and understand their rights under fair housing laws. Services include counseling on the rights protected under fair housing laws, information on how to recognize and report violations, information on legal options and assistance with the legal process, random testing to ensure regional compliance with fair housing laws, technical assistance, and comprehensive education programs.

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

Offers housing 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).

Coordinates the housing counseling services of three organizations: Concilio, Esperanza and the Norris Square Civic Association - These services are delivered to homeowners, potential homeowners and renters. Counselors identify predatory loans and assist homeowners to obtain good loan products for home repairs. Renters receive tenant rights and rental delinquency services. All clients receive Housing Consumer Education, including budget and credit counseling.

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 housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.

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 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.