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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 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.

Offers home buying counseling to help people meet the necessary qualifications to achieve homeownership for the first time. Serving as the bridge between the lender and the client by translating complex mortgage terminology into client-friendly language.

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

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.

Remote sessions take about 90 minutes to complete while the traditional face-to-face sessions can take over 2-3 hours. Counselors are certified by PHFA and NeighborWorks. Participants needs to have a Smartphone, tablet, laptop, or desktop computer and a device that has a web camera so that the counselor can clearly see you during the session.

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 individualized training in maintenance, budgeting and upkeep of properties as well as first time home buyer housing 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 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 and workshops concerning first-time homebuyers, budgeting and managing finances, resolving/preventing mortgage delinquency, avoiding predatory lending, landlord-tenant issues, and tax liens. Provides referral service for any issue regarding tangled titles and deed transfers. Maintains an extensive list of resources for homeowners, heirs, and rental topics.

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

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.

Serves one-time emergency needs such as nutritional assistance, emergency shelter, first month rental assistance, rent in arrears assistance, mortgage assistance, and utilities in arrears assistance.

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 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.

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.

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

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

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

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.

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 case management, HIV testing, prevention education, supportive housing, HIV treatment as prevention and volunteer services.