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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.

Pennsylvania 211

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

Pennsylvania 211

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.

Pennsylvania 211

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

Pennsylvania 211

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.

Pennsylvania 211

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

Pennsylvania 211

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

Pennsylvania 211

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).

Pennsylvania 211

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.

Pennsylvania 211

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

Pennsylvania 211

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.

Pennsylvania 211

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.

Pennsylvania 211

Provides homeownership and credit counseling, post purchase counseling, homebuyer education, and down payment and closing cost assistance loans for first-time homebuyers.

Pennsylvania 211

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.

Pennsylvania 211

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.

Pennsylvania 211

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.

Pennsylvania 211

Provides free home buyers counseling and closing cost assistance.

Pennsylvania 211

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.

Pennsylvania 211

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

Pennsylvania 211

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.

Pennsylvania 211

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

Pennsylvania 211

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

Pennsylvania 211

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.

Pennsylvania 211

Reserves new and renovated homes for sale to people in the low to moderate income range as defined by HUD. Homebuyer counseling is also available.

Pennsylvania 211

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.

Pennsylvania 211