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 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.

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 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.

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

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.

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 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.

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.

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.

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

Assists in negotiations with lender for a Loan Modification or a Forbearance Plan, budget counseling, referrals to other services, and will help explore additional refinancing options. People with an Act 91 Notice should contact immediately, there is a limited window to apply for assistance.

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 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.

Offers HUD-certified housing counselors to assist individuals and families in Schuylkill County with a wide range of housing needs. Services include: - Budgeting and Financial Counseling: Guidance to manage finances and achieve housing stability. - Mortgage and Foreclosure Prevention: Support for homeowners facing foreclosure, including assistance with HEMAP. - HECM (Reverse Mortgage) Counseling: For older homeowners considering a Home Equity Conversion Mortgage. - Eviction Prevention: Strategies and referrals to help renters avoid losing their housing. - Predatory Lending Education: Identify and avoid risky lending practices. - Housing Options for Buyers & Renters: Counseling and resources to explore affordable housing, first-time homebuying, and rental opportunities. All services comply with Equal Housing Opportunity guidelines.

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 housing counseling services as a supportive base for tenants and homeowners of HAVE's housing development projects.

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 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 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.

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.

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.

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 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.