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.

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 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 rental, housing, and financial counseling. Works with individuals to help them meet their financial goals, whether it's securing an affordable rental, purchasing their first home, or building savings. Also provides foreclosure mitigation and default and delinquency counseling.

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 affordable rental and owner occupied housing and promotes neighborhood revitalization for low and moderate income families in Lancaster County. Additionally, assistance is provided with mortgage application, credit report updates, inspection of property to determine potential problems or needs. Classes are held to teach the home buying process and requirements which include Spanish speaking instruction.

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.

**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

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

Provides individual counseling sessions are offered to prepare potential homeowners for buying first home.

Provides classes designed to help people prepare to buy a home.

Provides homebuyer and homeowner counseling and education, including foreclosure prevention services. All services are available virtually.

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).

The Cradle Pregnancy Resource Center (CPRC) offers counseling and decision-making support to mothers who are pregnant and are feeling overwhelmed by their pregnancy. For those who are still unsure what they are going to do about their pregnancy, the staff and volunteers at CPRC offer guidance and support and information about the choices available to pregnant women and new mothers, and a host of services to assist them, including: A) Pregnancy Testing and Counseling B) Housing Assistance C) Parenting Classes D) Assistance applying for state assistance, subsidized child care, and subsidized housing E) Adoption assistance, birth support groups, doulas, adoption services, anger management, medical care, long term counseling, etc. F) Baby clothes, diapers, & formula

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).

Offers a Pre-Closing Counseling to help you navigate the final steps of purchasing your home. This program, in partnership with the Pennsylvania Housing Finance Agency (PHFA), provides you with the essential information and support needed for a smooth closing process.

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 low-medium income families.

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 assists homeowners seeking loans and grants to make improvements to their homes.

Offers a comprehensive approach to individual, family, and neighborhood success, Tri County Community Action provides a myriad of programming and initiatives around early childhood and family development; employment, education, and financial empowerment; housing security; and community development - all in an effort to create strong families and thriving communities.

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

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.

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

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