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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. Mortgage Foreclosure prevention largely work with Lancaster County Court System to prevent foreclosure.

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

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 HUD-certified housing counseling services to individuals and families in Schuylkill County to support safe, stable, and sustainable housing outcomes. Housing counselors work one-on-one with clients to assess their full housing and financial situation, identify barriers to stability, and develop individualized action plans. Services may include education, budgeting support, and connection to appropriate housing resources and programs based on client needs. Services include: • Housing Stability Counseling: Personalized support to address housing challenges, review financial circumstances, and develop strategies to maintain or secure stable housing. • Mortgage & Foreclosure Prevention: Assistance for homeowners at risk of foreclosure, including counseling and application support for HEMAP and other loss mitigation options. • Pre-Purchase Counseling: Education and guidance for first-time homebuyers, including budgeting, credit readiness, and understanding the homebuying process. • Pre-Closing Counseling: Final review and counseling support prior to mortgage closing to ensure readiness and long-term affordability. • Reverse Mortgage (HECM) Counseling: Required counseling for older homeowners considering a Home Equity Conversion Mortgage. • Financial & Budget Counseling: Support with budgeting, credit, and financial planning related to housing stability. • Housing Resource Navigation: Connection to appropriate internal and external housing resources based on individual need and eligibility. All services are provided in accordance with HUD guidelines and Equal Housing Opportunity standards.

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

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.

Service Description Provides early court intervention and housing counseling for homeowners in Schuylkill County facing residential mortgage foreclosure. The Mortgage Foreclosure Diversion Program, operated by Schuylkill Community Action (SCA) in partnership with the Court of Common Pleas – 21st Judicial District and the Schuylkill County Bar Association, is designed to assist homeowners in resolving mortgage default situations before Sheriff Sale proceedings. The program helps homeowners understand available options and connect with federal, state, and local resources that may support loan workout solutions, including repayment agreements, loan modifications, or other loss mitigation options when appropriate. SCA provides skilled housing counseling and support during the court process, including assistance in communicating with lenders and exploring options to retain ownership of the home or reach an appropriate resolution. This program focuses on early intervention to help homeowners address foreclosure and work toward the best possible housing outcome based on their individual circumstances.

Provides budget and credit counseling, assistance resolving or preventing mortgage delinquency or default, assists clients with applying for emergency mortgage assistance, and rental counseling. ​

Provides comprehensive housing counseling services including Pre- and Post-Purchase Counseling, Rental Counseling, Mortgage Default and Delinquency Counseling, Property Inspection Assistance, Loan Counseling. Home Repair Loans, Mortgage Refinancing Assistance, Property Tax Assistance, and Homestead Exemption Help. Holds Pre-Purchase Workshops the third Thursday of every month.

Court of the Common Pleas, 43rd Judicial District in Monroe County office this service in an effort to address the increasing number of property foreclosures in the county. Objective of the program is to provide a streamlined, unified process for the resolution of mortgage foreclosure proceedings through court intervention, housing counseling, and conciliation conferences.

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 legal aid for low-income homeowners facing evictions and foreclosures.

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

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 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 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.

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

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

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 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.

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 housing counseling services to help homeowners avoid foreclosure and other housing issues. Some services include: homebuyer education, credit recovery, loss mitigation, rental counseling, first time homebuyer education, and first-time homebuyer down payment assistance.

Provides assistance for the following mortgage and housing-related expenses to help prevent mortgage delinquencies, default, foreclosure, and displacement. The maximum amount of assistance for any homeowner under the PAHAF is $30,000 or up to 24 months of assistance.