Provides assistance and counseling to homeowners to help 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.

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.

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.

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 counseling and advocates for individuals with disabilities seeking affordable and accessible housing.

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

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.

Provides housing counseling services.

Offers pre-purchase counseling sessions to assist prospective buyers to understand the mortgage process; foreclosure prevention counseling helps current homeowners to avoid foreclosure when possible. Also provides information about reverse mortgages in special sessions. All counselors are HUD-certified.

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: - Anti-Predatory Lending and Foreclosure Prevention - Fair Housing/Fair Lending - What is home inspection - Understanding Home Insurance - 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 Additional Information Click here for Eligibility Requirements http://www.lhop.org/wp-content/uploads/York-Borrower-and-Lender-Instructions.pdf">Click here for Borrower and Lender Form

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 affordable housing for low income families. Also links residents to community action agencies for housing counseling.

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.

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

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.

Offers connection to supportive services to individuals and families experiencing and at risk of homelessness. Services include: Emergency Shelter Services, Safe Haven, Transitional Housing, Permanent Supportive Housing, Shelter Plus Care, and Homeless Prevention Programs.

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

Homebuyer Counseling can help: - Understand the home-buying process, lender requirements and mortgage loan products - Assess readiness to buy a home, including a credit and budget review - Develop a personal homebuyers plan, with periodic progress review - Review and prepare for closing-understand the terms and process Counselors are NeighborWorks Center for Homeownership Educational and Counseling (NCHEC) certified

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.

Provides a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.

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 counseling to first time home buyers. Certified Housing and Urban Development (HUD) Counseling Agency.

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

Allows homeowners to refinance their Federal Housing Administration (FHA) loans to reduce monthly payments.

Assists residents who are preparing for homeownership by providing extensive Housing Counseling Services. Housing Counseling Services offer participants training and Pre-Purchase Counseling including Needs Assessment /Action Plans, Credit Counseling and Financial Education. Prospective homeowners should also consider signing up for PHA's Financial Literacy Improvement Program.