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

Offers a financial education program that supports the opportunity for affordable home ownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Participants are supported through the process of credit building, goal setting, budgeting with potential opportunities to purchase an affordable home. The program also includes education on how to maintain and sustain a property once it has been purchased. Using a predominantly volunteer workforce, Open Hand Ministries also purchases and renovates properties for those low-medium income families who qualify.

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.

Builds, rehabilitates houses, and sells them. Provides training in home ownership skills. Seeks volunteers for construction, community service, and our ReStore.

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 housing counseling services as a supportive base for tenants and homeowners of HAVE's housing development projects.

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

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.

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.

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 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.

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).

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

Provides free classes and individual counseling. Monthly classes focus on topics such as 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.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

Offers Pre-Closing Counseling to assist first-time homebuyers in Schuylkill County. Provides essential guidance to help clients understand the final steps of purchasing a home, ensuring a smooth and informed closing process.

• Receive advice from counselors to help you understand the closing process.
• Learn about the final financial commitments and necessary documentation.
• Be better prepared for what to expect on the closing day.

In partnership with the Pennsylvania Housing Finance Agency (PHFA)

The purpose of this county wide program is to help low to moderate income home owners correct violations of the BOCA Property Maintenance Code, Local and State Codes, and the Section 8 Housing Quality Standards. Violations include, but are not limited to, structural, plumbing, heating, and electrical problems. Also addresses lead based paint reduction. Handicap accessible modifications are also included in this program. Modifications include, but are not limited to, widened doorways, ramps, and accessible bathrooms and kitchens.

Services 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.

Provides information on tenant and landlord disputes. Offers first time homeowner classes and credit 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 individualized training in maintenance, budgeting and upkeep of properties as well as first time home buyer housing counseling.

Offers a homeownership education program consisting of online courses and one-on-one counseling. This course places an emphasis on financial literacy for first-time homebuyers, particularly in the low to moderate income population.

Offer assistance to clients who are experiencing difficulty finding or maintaining housing. Provides a range of services and options to assist clients in securing and maintaining safe, affordable housing. Housing services include counseling, subsidized housing for homeless individuals with HIV/AIDS and other chronic illnesses, and assistance applying for housing related benefits and entitlements.

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.