Provides real estate and housing counseling services. Offers advice and services in the areas of pre and post purchase, pre and post rental, mortgage default/ delinquency/ foreclosure, anti-predatory lending, rental default, reverse mortgage counseling/ certification, and housing consumer education.

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

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Foreclosure prevention counseling helps people struggling to make their mortgage payments by helping them to: understand their options to avoid foreclosure; access emergency mortgage assistance through HEMAP; work with their lenders to obtain loan modifications. Reverse mortgage counseling helps people who are over 62 to understand reverse mortgages (also known as Home Equity Conversion Mortgage or HECM) and to decide if this is a good option for them. This counseling is required by law before any lender can make a reverse mortgage to a client.

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

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 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 free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Offers HUD/FHA mortgage insurance, low and moderate income and elderly housing programs, community development assistance to local governments, and financial and technical assistance to organizations administering ongoing HUD programs, projects, and developments. Literature and speakers available.

Provides a wide range of free housing services, including: first-time homebuyer counseling; foreclosure and sheriff sale prevention; rent, mortgage and utility assistance; property tax and rent rebates; financial education. Also help clients build budgets and credit, and can connect people to affordable home repair.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Offers counseling that help homeowners understand the foreclosure process, review their finances, develop budgets, and explore alternatives like loan modifications, forbearance, or repayment plans.

Provides counseling through information, referrals, and advocacy for individuals and families with a variety of housing assistance, issues, questions, or concerns.

Assists struggling homeowners avoid foreclosure by offering loan modifications, refinance options, principal reduction, and short sale or deed-in-lieu alternatives.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Provides civil legal services to low-income individuals and families without the means to hire a private attorney.

Information and access to resources for people who are finding it difficult to make the mortgage payments on their homes and are at risk for foreclosure.

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

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 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 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. Offers foreclosure mitigation and default, and delinquency counseling.

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.

Assists homeowners facing foreclosure. Provides early court intervention for owner-occupied residential mortgage cases, helping homeowners explore options to retain their properties or, if necessary, allow lenders to proceed to Sheriff Sale. SCA counselors provide skilled support and representation, assisting homeowners in negotiating repayment terms, loan modifications, and other solutions to resolve mortgage defaults. In partnership with the Court of Common Pleas – 21st Judicial District and the Schuylkill County Bar Association.