Works with potential homebuyers to provide the resources they need to decide whether homeownership is the right choice for them. Also assists homeowners seeking loans and grants to make improvements to their homes.

Provides OHCD (Office of Housing and Community Development) approved housing counseling, including: A) Home Purchase Counseling B) Mortgage Default and Delinquency C) Property Tax Default or Delinquency D) HEMAP (Homeowners Emergency Mortgage Assistance Program E) Legal counseling for tenants and homeowners

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.

**NOTES** Office is closed but they can be reached by phone or email until furher notice. Provides classroom training and eligible participants may qualify for a down payment and closing cost loan to purchase their first home. Classes are offered in both English and Spanish. Visit their website or call for a schedule. 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 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 - Program requirements are

Provides housing counseling including: - pre-purchase group counseling - default and delinquency counseling - foreclosure prevention counseling

Assists low and moderate income families to achieve home ownership in Butler County. A HUD and PHFA-certified Housing Counseling agency. Provides housing counseling for: homeless, rental, home ownership, foreclosures/loss mitigation and budget and credit. Monthly classes pertaining to: home buyer education, foreclosure prevention and mortgage assistance.

As of February 1, 2023, PAHAF has temporarily paused accepting new application. Offers counseling and education programs through approved counseling agencies.

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

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.

Provides services to improve the lives of Hispanics in the region, increase the Hispanic population, support existing and new Hispanic businesses, and increase Hispanic investment in the region.

Allows homeowners to refinance their Federal Housing Administration (FHA) loans to reduce monthly payments. Cash may not be taken out from the loan in the refinancing process.

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 home ownership counseling and closing cost sssistance loan program; also provides first time home buyer down payment assistance.

Provides free counseling for a variety of First Time Homebuyer Programs.

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.

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 free home buyers counseling and closing cost assistance.

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. The homes are then sold to income-eligible families. Sale prices range from $100,000 to $150,000.

Helps homeowners make monthly mortgage payments for a maximum term of 15 years on a mortgage loan of 20 years or more. Mortgage loans for less than 20 years may be subsidized for a maximum term of 10 years. Program available to HUD's Housing Choice voucher recipients.

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.

Provides housing counseling services.

Provides pre-purchase mortgage counseling to first time low to moderate-income individuals interested in purchasing a property in the City of Chester or Delaware County. Prepares applicants to secure appropriate mortgage financing and assume the responsibilities associated with home ownership.

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

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